I phoned Natwest to take out a mortgage with them. The deal seemed too good to be true. The mortgage set up fee was £595. They told me that once the mortgage had completed they would write to me requesting the set up fee and I could send a cheque or pay over the telephone.
2 days later I checked my bank balance and they had taken the £595 out of my account without my permission.
It took 18 phone calls to get the money refunded. Natwest told me that I agreed to have the money taken from my account (which is a lie). They soon changed their tune when I told them I had recorded the initial telephone call stating clearly they wouldn't take the money.
This company also get the surveyor to under value your property so you are not entitled to the lower re-mortgage rate. They under valued out house by £20,000 (according to an independent surveyor).
An awful, awful company that lie to get your business, BEWARE