National Westminster Bank Plc

Financial Ombudsman decision DRN-4158756 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Jun 27deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Charges and fees

In the Ombudsman’s words

I’m currently intending to find that NatWest acted unfairly when it continued charging overdraft interest and associated fees on Mr W’s overdraft from December 2017. By this point, it ought to have been clear that Mr W was in no position to sustainably repay what he owed within a reasonable period of time.Irresponsible lending

NatWest’s failure to remove the overdraft facility and the charges that were incurred as a result of this.Charges and fees

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4158756.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.