Creditor, lender or debt-collection entity

NatWest

Independent information about NatWest arrears, missed payments, affordability support and complaints.

NatWest says customers who are struggling financially should contact it early. Where a payment has been or may be missed, it may ask for income and expenditure information so support or an arrangement can be considered against the customer’s circumstances.

What role does NatWest have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

National Westminster Bank Plc is an active UK bank registered under company number 00929027. NatWest states that it is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA under Financial Services Register number 121878.

National Westminster Bank Plc is authorised by the PRA and regulated by the FCA and PRA under Financial Services Register number 121878.

Contacting NatWest

Use NatWest’s official app, support centre or financial-difficulty contact routes. Have the relevant account or credit product and an accurate view of income, essential spending and arrears available.

If you want to complain

NatWest publishes a formal complaints process and states that eligible unresolved complaints may be referred to the Financial Ombudsman Service after its final response or if the complaint has not been resolved within the applicable period.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with NatWest. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.