NatWest crisis could see knock-on effects drag on for weeks David Cresswell, of the Financial Ombudsman Service, said the knock-on effects of the crisis would take a long time to put right. "It is really important to start making a note of what is happening to you, of conversations you have with people, of difficulties you are facing, or knock-on effects, because this is a ripple effect from the original problems," he said. What you need to do is make a clear list of how you have been affected, so you can go back to your bank and say: 'This is the complete picture, how can you help?' Credit checking agencies also warned that it will be up to people to check their credit rating and dispute any negative consequence of late payments due to the NatWest problems. Mr Cresswell's comments were echoed by Sir Mervyn King, the governor of the Bank of England, who said there would be a "very detailed" investigation into the issues. "It's still going to take time for it to catch up, to get back to normal," Sir Mervyn said. He said the Financial Services Authority will "go in to find out what went wrong and why it took so long to recover." Stephen Hester, the chief executive of RBS, this morning said sorting the problem out should be the first priority, ahead of any investigation. The most important thing that I or anyone at RBS can do is to put this right. There's plenty of time afterwards to say 'Why did it happen? How do we stop it happening? What's the accountability?' All of those things can and will happen but right now we're putting it right. The chief executive, who earlier this year waived his near £1 million bonus last year, was asked if he thought the saga would affect this year's pay rewards. He said: "All of us are judged in part by customer service, from me on downwards, and we should be, but today anyone thinking about bonuses I have no patience for. Today this is about helping our customers through this. He added: "We are all accountable for our actions and customer service is one of the most important things we do as a bank. We will learn lessons, there will be proper accountability.