National Westminster Bank Plc

Financial Ombudsman decision DRN4452146 Upheld

Upheldoutcome, as published by the Ombudsman

£1,250redress stated in the decision

Mon Jul 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

Charges and fees, Credit file reporting, Support for vulnerable customers

In the Ombudsman’s words

NatWest must refund any interest and charges it’s applied in relation to the overdraft if it has not already done so.Charges and fees

It must remove any information it has registered on Ms W’s credit file about the overdraft.Credit file reporting

NatWest needs to treat Ms W positively and sympathetically because as a direct result of what it did she’s now in financial difficulties. She also tells us she has a mental illness which may be a disability and it should take this into account too.Support for vulnerable customers

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4452146.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.