My son’s student account with National Westminster was blocked in 19 November of 2019 without any valid reason given. We were told by The Financial Ombudsman that it is in within NatWest guidelines ‘(Terms and conditions) to do so. My son received this text message saying- IMPORTANT Following a review of your banking arrangements, we have made the decision that we can no longer offer you banking facilities. Accounts have been blocked & a letter sent to advise this decision & next steps. This decision is in line with the T&Cs of your account & we are unable to discuss the rationale for this. There was no letter sent regarding the closure of his account.. He couldn’t log into his account nor use his bank card immediately after receiving that message. He had no money for food or any other means for me to get money to him. He was distraught, shocked stressed, disappointed, emotional distressed and defrauded. He could not sleep because of a level of worry. He was an emotional wrecked student. His Natwest account was opened in 2001 as a savings account. In 2019 he requested for NatWest to turn it into a student account which they did. In December 2019 National Westminster sent him a threatening letter regarding the £500 overdraft they gave him at the start. Now! where must he get that money from so soon knowing he was living off his overdraft away from home. His dad sent him £160 and they took it which left him without. This overdraft was to be paid back at the end of the 3 years by the agreement of the bank. The outstanding balance is around £140. This overdraft was not a loan so they should have set up payment plan with him. By January they sent his name to debt collectors {Moorcroft} By February there was a default on his credit file NatWest is the worse and disgusting bank ever. Please do your research on this bank before you decide to open an account with them. My son had been a victim of Kafkaesque