THIS BANK NEEDS CLOSING DOWN! A long story cut short, I am now in thousands of pounds of debt because Natwest allowed someone to use my identity to take out two loans and a credit card. Their response was for me to go into a debt managment plan to avoid further missed payments etc.. Perhaps if they lent responsibly and did appropriate checks for credit, this wouldn't be happening. This bank is abhorrent and has taken absolutely no responsibility for allowing this to happen. Just disgusting. I don't know if how they get away with it. It's absolutely appalling. Avoid Natwest at all costs.