An interesting story here.

What is very clear to me at least, is the extraordinary time you spent on the telephone, which of course means that you have no record of what transpired. You didn't even have a closing statement from the account that you closed - which strikes me as strange.

When I deal with anything related to banking, I do it by mail (recorded delivery if important) simply so that I retain a copy as a record. And always keep letters that you receive from the bank in all cases.

I think the "kitchen unit" reward is fairly trivial, but because you have no records (and Nat West are aware of this) the matter concludes.

Jells Bells - as a matter of interest, did you get anywhere with the 2nd situation involving the strange handling of your loan account??(I'm a customer of NatWest as well!!)

Unfortunately I am a fan of the - let's just get it sorted with one phonecall and let that be the end of it - theory, rather than the 6 months & 42 trees worth of paper later, and certainly I probably wasted far more time trying to speak to the right person (and failing) than I would have done if I had started down this route right from the get go. Definitely a lesson learned.

It is completely strange that I never had closing statement - but easily explained because they obviously never closed the account! I had no idea that I should have received anything, so was oblivious to the fact it was missing. I know now.

I'd be interested to know if you think I would have got more had I had more records. Or if presumably it would not have got this far.

Kitchn unit reward far from trivial!! Sink empties into a bucket at the moment... emptying said bucket into a drain (navigating obstacle course of worms and snails etc who seem almost seem to come out just to watch) on these cold wet and windy nights is not much fun so - every little most welcome :-).

"Kitchin unit reward far from trivial!! Sink empties into a bucket at the moment... emptying said bucket into a drain (navigating obstacle course of worms and snails etc who seem almost seem to come out just to watch) on these cold wet and windy nights is not much fun so - every little most welcome :-)."

Fair enough. In my experience, as far as letter writing is concerned, sending something directly to the CEO's office (usually) means that somebody is assigned 'ownership' of that problem, and you only have one person to deal with.

But in these days of corporate irresponsibility, the customer is often no longer king!

Good luck with the plumbing.

Hello - yes I did. I wrote in telling them I was apalled and that it was discrimination and nothing else. I got a letter back saying that it just an administrative error - or that was the general gist - and that they were terribly sorry I felt that way and couldn't really understand why I would think that. Skating over the fact that without saying antyhing other than 'why was my repayment programme stopped' to Triton - they said - 'Have you made a complaint? That's why'. So that is how I came to that conclusion... it wasn't very difficult.

Anyway - I did eventually pick up the phone again as another months payment was due and I didn't want the whole thing escalting out of control. I was offered the chance to pay £270 ish a month instead of my £65. She then admitted she could see the repayment plan had been set up but hadn't been updated on the system correctly. And then after about 20 minutes of insisting that inspite of that I'd have to pay £270 a month she miraculously reset it and I now pay £65.

So that's a good result. And I got it confirmed in writing. I am still disputing my default for which they have no default paperwork although they are able to send me another 42 trees worth of statements which somehow they think is satisfying my request for a copy of the default notice. It is not.

We carry on spurred on by recent vicotories! If I can get this default removed, I will have a fabulous credit rating and the chance of a much better mortgage each month, allowing for even more kitchen units... see - there is a plan!