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In 2003 I opened a bus.account with NatWest bank in Bournemouth. I was not the a/c holder , my son and an.other were I transacted all the business and with their authorisation signed the cheques. A few months later my dear wife passed away. As a result I was in so much grief I let the business dwindle and we ended up in debt to the bank for about 25,000 pounds. I had a moral obligation to my son to pay this debt but I had no money, I paid some money because both the bank and their solicitors harassed me from 2004 till last year 2013. I constantly informed them I was not a signatory but it fell on deaf ears. Finally in December 2013 they admitted they were wrong I have all the correspondence They refunded all the monies I had paid them £1770 .00 together with a derisory cheque for £200.00 which they called compensation. Throughout these last 7 years due to the stress of all this and my son's resentment I have been quite unwell. I have a doctor's report to hand. I feel very strongly that the bank should compensate me comnensurate to the stress I have suffered all this time . I cannot pay a solicitor to act for me . I am on benefits now. Could I claim legal aid. in order to deal with the bank.Can you please advise me as to what I should do. Thank you. Joseph xxxxx
Hi Jo, In their letter dated 30th Dec.2013, they write "Having considered all the information , I agree with your complaint about you being pursued for the outstanding debt balance incorrectly when you were only a signatory to the account and therefore are not liable for the outstanding debt balance"
Yes they pursued me as an individual.. Cheque for £200.00 enclosed in above dated letter Yes I paid the cheque into my account.
Thanks Joseph xxxxxx
I have replied to your questions .
Dear Jo, I have been with the Financial Ombudsman who informed me that because I wasnt the account holder with the bank they cannot assist me with this case. So what do I do next ???
Thank you Jo C I think I will send them one more letter then proceed via the Small Claims Court. By the way what is the cost via Small Claims Court ? Joseph Shear