Chit Chat
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I have a loan with Natwest and I owe them £5,300, I missed a payment and they decided to take the whole loan away from me to make my account -£5,300, before my wages went in.
I kicked-off and and told them I had missed one payment, and this was a disgrace so they credited the account with the £5,300 and took the loan payment of £170.
Last Friday, I looked at my account and they had credited me another £5,300, which I transfered to other accounts and spent.
I know, I shouldn't have but I'm struggling at the mo and I'm going to Orlando for New Year and bought the kids tickets for Disney and paid my mortgage arrears. Today, I checked my account and they have taken the £5,300 back.
Wat can they do?
If I say, I'm skint and thought it was my wages, as I don't get paid much less than that, but really wat can they do?
I kicked-off and and told them I had missed one payment, and this was a disgrace so they credited the account with the £5,300 and took the loan payment of £170.
Last Friday, I looked at my account and they had credited me another £5,300, which I transfered to other accounts and spent.
I know, I shouldn't have but I'm struggling at the mo and I'm going to Orlando for New Year and bought the kids tickets for Disney and paid my mortgage arrears. Today, I checked my account and they have taken the £5,300 back.
Wat can they do?
If I say, I'm skint and thought it was my wages, as I don't get paid much less than that, but really wat can they do?
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Replies: 68
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how can you be struggling if your wage is £5,300??
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You get paid £5300 a month and are skint??
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snap :)
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If I say, I'm skint and thought it was my wages, as I don't get paid much less than that ?
Why woud you want to borrow if you earn that much ? |
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I was in trouble about 3 years ago and took a loan, I don't get paid that much but I was going to say, we get a Crimbo bonus, which we do.
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And, I've knocked a few quid out on here recently?
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I'm struggling at the mo and I'm going to Orlando for New Year and bought the kids tickets for Disney
Eh? Is it just me or does that sentence not make sense? |
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They'll still want their money back...you is fooked imo.
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your **ed if you ask me... offer to repay the whole lot over the next 10 years
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My point is they had no problem in deducting the amount when I missed one payment, now they have paid me twice I will pay you double the amount on the loan.
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YEA...how can you be struggling yet p1ssing off to Disneyland with kids?
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Fishing alert.
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got to be fishing... it didnt occur to you oh they have made an error i'll phone em and see whats up... no first reaction 5300 i've been given lets have that and spend it.
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I have to agree with harry crumb...smells like kippers to me as well now.
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Won holiday in a raffle, anyway they turned me over by taking £5,300 without a care.
My bank charges over the years are fortunes, I will pay them the money if they want, but I'm not prepared to do it in one lump. If, they take £5,300 without any care then I'm prepared to double my load amount for the remaining whatever years...All I want to know is how will that stand, I'm willing to pay them back but not in one go. |
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Why don't you just ask them?
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im pretty sure i've seen people say you can get done for theft
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on similar situations in the past that is
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5 grand for a couple of tickets for Disney World?
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and 5 grand in mortgage arrears? :D
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since you had the money since friday i would suggest you get a refund on tickets.... they are well within rights to take the money back as an obvious error has been made.
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Collect $5300 and advance to Free Parking.
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Ive just read a previous thread of yours on Gubbed with you bragging about winning 13k in a single day... Wonder if Mr Nat west know about that
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That's stealing, it's the bank money and they will take you to court to get it back and then you will be lumbered with court and lawyers cost.
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Here it it....3 weeks ago...Should of paid off the loan then IMO
charliegi 01 Nov 22:35 My biggest wvery winning day until today was about 4k but won a bit on morning dogs, outside bias at Hove and then diecided to have a go. American Football: £783.05 | Athletics: £959.00 | Football: £5,071.09 | Greyhound Racing: £1,230.12 | Horse Racing: £751.44 | Motor Sport: £2,547.94 | Rugby League: £2,216.52 Total P&L: £13,559.16 |
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nice find.. good to see he'll have no problem paying back a measly 5grand.
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I can pay the 5k, if needed but my point is the bank took 5.3k from me without a care, I could have been skint and they didn't think twice. Now they have over payed me, I will pay them double the loan for the remaininder of the course.
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two wrongs don't make it right. I part own Nat west and I want MY money back
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you said you were struggling?
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I agree with inspiron.
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You can pak the 5k back yet you could'nt pay the monthly amount of £170... How does thatwork??
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im on the phone now paying it back to the Bristol lending centre.
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Ffs can't a bloke even stick up a bulls hit post any more without someone reminding him 3 weeks later ;)
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charliegi 24 Nov 14:35
Won holiday in a raffle, anyway they turned me over by taking £5,300 without a care. My bank charges over the years are fortunes, I will pay them the money if they want, but I'm not prepared to do it in one lump. If, they take £5,300 without any care then I'm prepared to double my load amount for the remaining whatever years...All I want to know is how will that stand, I'm willing to pay them back but not in one go. LOOK FORWARD TO SOME HEFTY BANK CHARGES COMING YOUR WAY, YOU DESERVE EVERY ONE OF THEM. |
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tell them they gave you the money. ask them to provide proof that you owe them the money. proof, ie some form of agreement or contract wherein you agreed that on receipt of these funds you would repay it. do this with a letter. of course they will try their best, but they have no proof of debt, because there is no paperwork proving a debt exists. you may want to set up a bank account with someone else though and start using that instead from now on, because they will do their best to make thigns awkward for you.
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...and advise them they should be more careful in future, for you cannot be held responsible for their mistakes, and you are not obliged to check that monies in YOUR account are actually YOURS.
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FFS..
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DonWarro 24 Nov 15:00
tell them they gave you the money. ask them to provide proof that you owe them the money. proof, ie some form of agreement or contract wherein you agreed that on receipt of these funds you would repay it. do this with a letter. of course they will try their best, but they have no proof of debt, because there is no paperwork proving a debt exists. you may want to set up a bank account with someone else though and start using that instead from now on, because they will do their best to make thigns awkward for you. NO WONDER THE BANKS ARE IN DEBT AND NEEDED BAILING OUT WITH TAXPAYERS MONEY. its theft, he knows it aswell and most on here knows it. |
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lol. why you think they will accept an offer of repayment over x years that you stipulate.
it likely cost the bank ZERO anyway. learn where money comes from, check the unenforceable credit agreements thread on the financials forum board. there is nothing wrong ethically or morally with not repaying this. regrettably your peers will tell you otherwise because they have been fooled by the system like everyone else and have no idea how it works. |