They closed my account without explanation and refused to discuss it with me. When I got my credit report to find out what was going on it suggested that I had been the victim of fraud, although I was unaware of this. Surely a bank should help you in this situation not kick you out and refuse to talk to you! I have written to NatWest for an explanation but they have not replied in a month - appalling! Will now be writing to financial ombudsman as I believe this behaviour is in breach of their own terms and conditions. Nationwide have since helped me to open an account with them and to clear the cifas from my otherwise good credit report.