blonde poker forum

I have two current accounts (or post grad, not 100%) with Natwest, both debit card jobbies. One has no dosh in it and is pretty much never used, but when I wrote a cheque for £240, I picked up the wrong cheque book (I am assuming although I shall double check) and thus accidentally asked for it to be withdrawn from the account with nothing in it. A few days later I was charged £38.00 for 'UNPAID ITEM(S) , CHQ 240.00'.

Two questions. Are they allowed to charge me this amount and don't Natwest debit card accounts have overdrafts? They didn't hesitate to put the account into negative £38.00.

I have a Natwest account which is a post grad effort which i pay my bills from, social costs etc (have a seperate one for my poker) and that has an overdraft with a debit card. Whether all accounts have this facility i doubt it.

As for reclaiming charges, I don't know but i know there was a lot of hooha a year or so ago but ppl doing so.

Hi Snoops, if you write in and explain the situation, then as long as you had covering funds in the other account then they should refund that charge.

If they dont then address the letter to a higher position, always works in the end with banks. In the end they get fed up and refund people just to get rid of them lol

Yes they were right to make a charge (although amount is up for debate) as you had no money in the account that you wrote the cheque on. Most of this process is automated ie no-one will look to see if you have money in other accounts.
If you had an overdraft then the cheque would have been paid, so presumably not. Best thing to do is to ask for an agreed overdraft to cover possible situations like this again. Assuming this bounced cheque hasn't damaged your rating with the bank.
As said above, if you write to the bank explaining the error they will consider a refund based on your reason and your record with them.
Good luck
 :)up

As an interesting little aside, £38 is approximiatley the amount the large financial instutions are prepared to write off and refund if a customer is kicking off, they all have a certain limit that lower level employees are allowed to refund without supervision. Id send a letter kicking off and saying you will report them to the FSA, they'll refund it.

Prior to being a poker type person I used to be a financial services complaints handler type person.

no good can come from using cheques! A letter explaining the situation with reference your good history with the bank etc and they refund them.

Hi. Thanks for those responses, very helpful and much appreciated. You mentioned writing a letter. Do you advise doing this rather than going in in person. Also, who do I address the letter to?

On a side, the bank fucked up my automated rent when they entered my landlord's account number incorrectly. Caused me a right headache and wasted loads of my time. I don't remember charging them!

i have Nat West account ,same thing happened to me, wary of using my main bank account on the internet i decided to have a separate bank account just for the internet,transferring money when i needed to buy things.
paypal messed up a payment and the account went into the red for £70,i had no problem getting the charges squashed after a i phoned to explain, that wasn't the end of it though,you may have gone into the red for 2 months,
next month a statement may arrive charging you for being in the red again for this month,
quick phone call and that was squashed as well.

wow, do people still use cheques?

you may have to wait 2/3 months now without any more charges on your a/c before they'll give you an o/d on it but it's worth putting one on even if you never use it just to cover yourself against being stupid again

Hi Snoopy,

Just ring up, explain what happened, be nice to the person you are speaking to, its likely they will decide to refund or not.  If they dont write a letter and 99% of the time you will get your money back.  Ringing is easier and saves you alot of hassle.

I work for a bank and about 3 years ago i used to give refunds on overdraft charges, however if people rang up being rude i would never refund charges.

Not really relating to this, but

One of our business accounts is NatWest.  We get the statements through each month along with the months charges and this months charge was

£6.40 - for fees but we have a minimum charge of £10 so you have been debited £10!

Cheers for that, cheeky sods.

I've got a Natwest grad account but I have an overdraft with mine (which you have to ask for).  As far as my understanding goes, a couple of years ago people could sucessfully claim their bank charges back over the amount of £12 per item.  This was what was deemed to be reasonable by whoever decides these things.  Not sure what the situation is now because it all when to court and I'm not sure of the outcome.  But I do know that some banks decided to close people's accounts if they asked for the charges back (after refunding them), so if you do go down that route you should find out Natwest's stance on it.

Latest on that is that people could claim them back. Then teh banks appealed. So we're waiting for that to be heard.

P.S I'm sure they won't close your account for claiming back one charge, but just for info if anyone else decides to try.

Hey Dave, don't let anyone tell you that you aint lived the high life son, you lived the dream, f*ck the doubters!  ;)

I just rang Natwest and was put through to their 'lending' (I think) department. I told them the situation, was as nice as pie and asked them to take pity on me, but they were having none of it and just said, "Sorry, it's company policy to charge these fees unless it's a bank error." I asked for an address, and they gave me: customer relations unit, freepost, NAT 12685, London, EC3B 3JL. Before I left, I asked him, "Do you guys ever reimburse customer error related fees?" and he said, "No, we simply repeat company policy."

Can anyone advise me on the best course of action. Of course, it was my own error, but I'd imagine my error costs them very little in comparison to the £38 they have charged me. Plus, It was an honest mistake and I am a valued customer, so feel they could give me the benefit of the doubt on what is my first offence.

18 months free banking with my company for all business accounts, if you are paying such a low amount sure you could get on a fee free tariff with a proper bank...

I'm shocked that they havent given you the charge back especially as its the first time it has happend, I have at some point or other had an account with the majority of the high street banks and have had refunds for similar charges from Halifax, HSBC, Barclays just by asking nicely.  At my place if a person is declined a refund over the phone and then the customer complains about the charge/attitude of staff or some kind of previous problem the policy is to refund.  At this stage I would write a letter, worth 10mins. 

Just checked around about Natwest and found this - http://www.blagger.com/db4/company_id/745/companyname/Natwest.html

Doesnt seem they are mad keen on refunding charges.

Snoops, i work in Pensions & Insurance, I have done complaint handling and for a year and a half my job was complaint root analysis (investigating complaints after the complaintsteam had dealt with them and compiling a montly report the causes.)

First thing I do here is as you have done, quick phone call to see if something can be arranged amicably.

The response given is not to your liking, and IMO the call handler has possibly mis-informed you as I doubt he was in a position to tell whether a reimbursement has ever been given in a similar case.

Your next step is to write, again politely, however do note that you were far from convinced that you had been given the correct information. Detail the day and time you made the call and also the call handlers name if you noted it. The reason I say this is that ALL calls SHOULD should be recorded and in my experience this is not always the case. If you are fortunate enough that they have not recorded your call and cannot examine part of your complaint then they should compensate you in some way. Not because the charge was incorrect but because they could not investigate your complaint fully.

Again, you may not get back all your charges, however the average ex gratia payment from our company is £25

Worth a shot mate, Freepost adress and the cost of a pen (which I'm sure you can borrow.)

Geo

I wouldn't waste time ringing call centres, as you have found out.

 ;)

Sadly, I don't know the exact time of the call and I didn't get a name. Should I ring again tomorrow and try a different person, or will they know that I already tried the day prior?

You could try tomorrow and you might get Carol

YouTube: http://www.youtube.com/watch?v=WOdjCb4LwQY

Sadly, no, you are not. You are a high-maintenance, loss-making, nuisance. (To NatWest, or any other High Street clearing bank).

That's the truth, I'm afraid, & they don't give a monkeys. Why should they? They earn bugger all out of you.

Bin the cheque-book, get Online Bnking, & that way, obviate the need for personal contact or "human" interface.

As to your minor mistake, well, it was your mistake, & you have to pay for your mistakes. It was, after all, your fault. The fact they messed you about a while back is neither connected, or relevant, in practice, or in English Law.

Move on, & don't get obsessed by it.

Yes mate, the call handler should always give their name when taking the call, if not ask them. They may well know that you called before but just tell them you weren't convinced by the first answer. You'll be very unlucky if you get the same guy.

When you write in they have 5 days in which to make their first response, it's usually a holding letter but if you make sure you give them  telephone number then they may cal you. A wee tip.........All complaints are recorded (written or verbal)and are used as part of what we call SIGMA, it's a measuring tool as to how well we are servicing our customers. Complaints is one part of this. We are generally briefed that if we can have agreement with the client within 24 hours then it does not need to be recorded as a complaint. I suspect they will be no different.

As I said before, try it it's free.

BTW Indy, don't shop me off - lol

Geo

Well, with all due respect, if I can get it back, then I'll sure as hell give it a crack. We're not all TV superstars!  ;tk;

Fine, & good luck, really, but if you enter the debate on a false premise - that you are "a valued customer" you have a shock in store - you are anything but! To them, Clients like you - or me, anyone like us - are just an irritant. They earn nothing out of us, & we can be high-maintenance.

But most of all, what I saying - trying to tell you - is don't get hung up on the matter, obsessed with it. We've all seen what an expensve thing dogma is. You've had £38 worth of loss. Don't spend £39 worth of your time chasing it. Life's too damn short, & myopia is incurable.

It was your fault, so you have no redress. Remember that. So you are throwing yoursef upon their, err, "good nature"......!

Yes, this is true, and worthwhile advice. I wasn't planning on taking it further than a phone call and a letter.

Success. Rang them up again and 'Angie' said I could have it refunded in the next 48 hours. I took her name and time of call just in case they go back on their word. Must have been my manly charm.

Talk about inconsistency.

n1, snoopy, i wonder how many give up after being turned down after the first call,always worth another go

yup well done that man, problem is too many people give up too easily. All you gotta do is throw the dummy out the pram a bit.

Sorry to divert the thread a bit but does depositing into gambling websites affect your credit rating? I like to cash out a lot and therefore have to deposit a lot aswell and was just wondering if this stream of activity into sites like Will Hill is bad for my credit rating.

No idea, I don't see why it should be.

You're credit rating is generally linked to defaults on past payments to creditors. Did you know that if you are not registered on the electoral roll you may be denied credit?

One of the most common credit checks is an experian report and this will show a poor rating if you are not a registered elector.

Not sure if banks can tell what type of site you are depositing to. I haven't had the opportunity to cash out too often but when I have it's been from pokerstars. The transaction does not state pokerstars on your bank statement, can't remember what the title is but from memory it didn't really link to gambling.

Others more successful may be able to say what it is.

Geo.

Just a quick thank you to everyone who offered advice on this thread. It is immensely appreciated.

Hopefully I can return the favour. If anyone needs help with WWE wrestling, then I'm your man.

Yay, the £38 was returned to my account today.

Thanks again everyone for the advice.

The pleasure was mine.......;)

Nice result snoops.

Geo

Nice work!

Oh my God, you're not going to believe this. I have just been charged £28, even though my account was at £0.

I rang up Natwest and asked what the charge was regarding, and they said it was because I went into my overdraft on the 31st of July when I was charged £38 for my unpaid cheque (yes, the £38 that I covered 4 days later [as soon as I noticed] via a transfer from another account and the £38 that they later reimbursed after numerous phone calls).

Is this normal? I can't believe they are willing to charge me £38 for my cheque issue, and then an extra £28 because their £38 took me into the red, even though they eventually gave me back the £38. Should I be expecting another charge because the latest £28 charge took me into the red again? Where the fuck does it end? What's more, "Theresa from the Bristol London Centre" has to be the rudest, most abrupt customer service rep I've ever spoken to.

Thoughts?

phone up again snoopy and explain what happened last month

I have just done that, and they said there was nothing I could do. Even though I was reimbursed, I still went into the red, which means I am destined to receive a £28 charged. I would have thought that seeing that it was reinbursed and put back up to £0, that I wouldn't get charged for being in the red. Surely?!

But it doesn't end there, oh no. Get this. The last representative that I spoke to has just informed me that next month, I will be charged ANOTHER £28 next month for going into the red with this £28. So that will be £56 in total (potentially £96 in total if I hadn't argued the toss on the initial £38).

I checked my phone messages, and I have no missed calls from Natwest forewarning me of this and no one told me about the potential for a £28 charge when they reimbursed my £38. Am I the only one who think this is outrageous?

dont accept it snoopy,just ring up again and ask to speak to the manager who agreed to refund the charge from last month and explain its an administration error, also make sure you mention they should make sure you dont receive a statemment next month trying to charge you again

To me totally out of order Snoops.................ring them back tomorrow and ask to speak to a supervisor and then if you get no help write to the Banking Ombudsman. There is no way in the world they can justify charging you in this instance once they have taken off the original charges.

Change banks IMO, for instance:

HSBC Fair Fees Policy
We always aim to be fair in the way we charge for our
Overdraft services, therefore:
• We will not charge an Arrangement Fee provided, within
the last 6 months we have not agreed to a request from
you for an overdraft
• we will not charge an Arrangement Fee for an overdraft
request of £10 or less
• we will not charge Arrangement Fees for Informal overdrafts
if covering funds are paid in before the end of the day
• we will give advance notice before Arrangement Fees are
debited from your account
• if debited Arrangement Fees (or interest) cause your
account to go overdrawn or further overdrawn we will not
make a further charge
• arrangement Fees charged will never be higher than the
overdraft requested (eg a £15 overdraft will not cost you
say, £50)
• we will not charge more than one Arrangement Fee a day.

Hey man,

Don't get me started on overdraft charges and shit like that. I have incurred so many HSBC charges cos it lets me use my debit card for more than I have, and even if I pay it off within like a day it I get charged. One time I got charged £100. Which pisses me off cos it's not like I don't have the money to cover going overdrawn like £100 elsewhere.

Admittedly I could have been more careful...but on a downswing here and there I'm not thinking about it all that much...

This may have been mentioned in the thread but there's a court case to do with banks charging extortionate fees. I really hope the ppl suing the bank win cos then I get like £500 back :)

https://www.hsbc.co.uk/1/2/popups/fsa-charges;jsessionid=0000_3DEjtBVPZwnQLhf3B5MVZy:12c58nn8e

It's that second bolded bullet point that Natwest need to change, and I feel sorry for people who can't afford to get themselves in the black and stop what could be an endless cycle. I'm unlucky I checked online, so I could finally ship a couple of hundred quid over to stop a third £28 deduction for next month's pending charge. They claimed to have sent me a letter, but I'm not at home at the moment. They ring me when I take large chunks of money out of the ATM, so I see no reason why they couldn't ring me for this.

I feel so angry about this. I can understand the initial £38 charge, but I think once it has been reimbursed, logic surely suggests that you can't be then charged for going into the red when the situation was rectified. What is really bad though, is to say you're going to get charged yet again next month because the latest charge took you into the red. I genuinely think that this is praying on people, and I don't like it one bit.

I feel so strongly about the latter that I am willing to change banks. I am going to go into my local branch next week when the Bolton GUKPT finishes, but if nobody in their rectifies the problem, I will happily ask for my accounts to be closed. I saw HSBC got a mention. Are there any other banks you'd advise moving to?

Honestly I think they are all the same.  I'm with Nationwide and Natwest and I have to say that I think Natwest have treated me better than Nationwide have, and they are a building society.  I came home to a lovely letter from Nationwide at the weekend.  They decided they wanted to cancel my entire overdraft because I went over my overdraft limit for three days.  Why did I go over my overdraft limit?  Because of the disgusting £70 worth of bank charges they charged me that pushed me over.  Obviously I incurred another £20 charge for going over it...

I've been banking with Nationwide since I was 5 years old, and I think it's disgusting how they treat customers sometimes, but unfortunely I think that's banks for you.  I managed to kind of sort out my problem, but I'm still so annoyed about it.  They are all being extremely harsh in recent months due to the credit crunch, but honestly I don't think there is anything such as a "nice" bank.  If Nationwide do anything else maybe I'll move to HSBC.  At least they don't charge you when they push you over your limit, but I still think they are all big bullies at the end of the day.

I'm more annoyed about the intent really.

They have my number yet didn't bother calling me. They never mentioned it when I was reimbursed the £38 either. They know I have money in my other Natwest accounts, but they just want me to go on a cycle of monthly charges.

Is that a good way to treat people, never mind customers?

The fact is that these banks only make these outragous charges cos they can get away with it in the majority of cases and make more millions. Most people dont kick up a fuss and just ignore them. They make a fortune out of people that cannot afford it.

I agree with the principle of charging a fair amount if it is the customers fault, but the amount is not usually fair (£38 is just silly) , it is not always the customers fault and they dont always notify people in advance that they will be charging X amount on a certain day.
 
With regards to making a complaint, if anyone needs any advice on this, im a complaint handler for a large insurance company so im happy to assist where i can.

you can blame the scots for that one - Natwest, now owned by the Royal Bank of Scotland, have adopted their charging model as well - what happens is that its like a double punishment for going overdrawn - first you get hit with the charge for the item that took you overdrawn, then on a set date later in the month they will charge you £28 for everytime you did this in the last month, up to a maximum of £84. If you look at the summary page that comes along with the statement, it will be stated on there that they are going to charge you this.

But you should get it back if you complain. Of course that isnt the point....

A girl I used to go out with banked with RBOS, and so did her dad who had quite a bit of money.

Guess what happened when she managed to get charged for something?

What if you've been reinbursed the £38 a few days after the charge. Should you still expect to be charged £28 for going overdrawn? That sounds silly to me. Seems illogical to charge you for something you were reimbursed on.

aye, but logic doesnt come into it - from a systems perspective, by incurring the 38 charge, there will be a counter on your account goes to "1". then, when the billing cycle happens every month, it will take that "1" and multiply it by 28, therefore invoking the charge. the fact that someone has re=imbursed you the 38 quid is neither here nor there to the system. I would be that when you got the 38 quid refunded they said they were doing it as a "goodwill gesture", which means they are giving you it back, but still think you are in the wrong.

HSBC FTW

Yes, thought as much, I just find it hard to believe that I now owe £56, which is more than what I was reimbursed in the first place. As I said, it just feels a bit hush hush "let's keep it zipped and hope he doesn't notice for a few months so we can keep charging him". The whole idea of charging someone and then charging them for the charge seems immoral to me. I told them that I can accept the first £28 charge, but on principle, not the second one for next month, which is why I'll be closing all of my Natwest accounts.

I still refuse to bank with HSBC since they bouced a cheque on me 14 years ago, charged me a fee and then refused to refund it.

However I bought shares in them as I thought I may as well profit from these money grabbing b*****ds.

I went into Natwest today to contest my two £28 charges, politely and calmly. The guy spent about one minute with me, didn't even listen to what I had to say or take me into a side room. "If you want to complain, you can write to this address," was all he said. I answered that I didn't want to do that, I wanted to sort it out here. "There's nothing we can do," he replied. I then stated that I was going to close my account then, and he he looked up at me stoically, shrugged, and said, "Yep, fine."

I gave up then and went next door to HSBC to make an appointment.

I won't be taking the issue further, I don't see the point. For £56, it's probably not worth the effort, but on principle of being knowingly placed in the vicious charged-for-being-charged circle, without any forewarning, help or advice, not to mention having to deal with aggressive, abrupt customer service reps, I am going to open up an account at HSBC as soon as I can and close all my Natwest accounts. I've been at Natwest my entire life, and all they can say is "Yep, fine". I don't see why I should give them my custom if that is their attitude.

deutschebank ftw imo. I pay then a small amount monthly to run my accounts and in return get fantastic service. one of my accounts that I've not been using went o/d due to the monthly fee so they phoned me, explained the situation and asked whether I wanted to move some funds across or close the a/c. I said I'd come in in about 2 weeks to sort it if that was ok- 'of course sir, no problem, I'll just put a note on your records'.

no fuss, no charges made, just good old fashioned common sense and customer service

Good Lord, it almost sounds like you're the customer.

The problem you have with any bank is if you aren't borrowing money from them or going overdrawn occassionally so they can give you these charges from time to time, they aren't making any money from you. So you are pretty much worthless to them and they really couldn't care if you bank with them or not, why should they do you a favour and let you bank with them for nothing? Harsh but true for all of us.

The fun never ends. I've just been charged again, totally inexplicably. Fuckers.

Here's the history:

There is 0 in my account. I pick up the wrong cheque book.

31 Jul 2008 - £38 paid out

I ring them up to beg and hope, as a long time customer with no previous charges, they let me off my mistake.

They agree to pay the £38 back in. No mention of any future fines.

I transfer £250 into this account. A few days later, my cheque is paid, leaving me with 0 again.

29 Aug 2008 - £28 paid out

I ring up, they say this for going into the red. I argue, to no effect, and transfer £28 into the account to put me out of the red and back up to 0. They make no mention of any future fines.

I put £200 into my account to cater for any future fines.

30 Sep 2008 - £28 paid out

I ring up, they say this is for going into the red from my previous charge. I argue the toss again, but ultimately to no avail. They make no mention of any future charges.

This surely must be an end to the charges now as I have put £200 into the account to stop that charge taking me into the red...

31 Oct 2008 - £28 paid out

I try to ring up, but find out I'm outside 'business hours'

Does anyone know how to get out of this cycle of charges and why they are continuing to charge me?

Close account?

HSBC?

Nat west I think

Each time you go overdrawn they charge you - you could have 3 different debits of £10 each and they charge you 3 times - call them and ask for a breakdown of all charges to your account in the last 5 years because you want to go through legal channels to reclaim them - see what they say...

Yes, Natwest. They keep charging me and I don't know how to make it stop.  :'(

this timeline confuses the crap out of me;

"29 Aug 2008 - £28 paid out

I ring up, they say this for going into the red. I argue, to no effect, and transfer £28 into the account to put me out of the red and back up to 0. They make no mention of any future fines.

I put £200 into my account to cater for any future fines.

30 Sep 2008 - £28 paid out

I ring up, they say this is for going into the red from my previous charge. I argue the toss again, but ultimately to no avail. They make no mention of any future charges.

This surely must be an end to the charges now as I have put £200 into the account to stop that charge taking me into the black...

31 Oct 2008 - £28 paid out"


you put 200 in to the account and that pays for the original (2nd actually but OK) 28£ charge, right?

Then what is the £28 charge on 30-09? A charge for going into the red on a charge they made because of a charge they nullified?

Tell them you'll fight all the charges, write them a letter.

And stop F'ing about and close the account FFS.

 Go into a branch and speak to a  customer services manager.

Yes, that's exactly what it is. What the one on 31st October is though I have no idea, but I fear they're going to get me again next month too!!!

I can't close my account at the moment because I have standing orders, pending income, etc.

Go to online banking to see exactly what your balance was at the times of charges...

1st charge = 0
2nd charge = £200
3rd charge = £172

I would go into the bank and have a chat with the manager.

Move everything else to another account...

lol you'd think so

How many debits went out whilst you were in the red?

moving accounts is much easier than you think, you can get all your direct debits and standing orders by filling in a form.  Natwest are appalling.

None, I haven't been using this account of late. I used to use it for my poker bankroll. The only reason I have any money in it at the moment is to try and stop these constant charges, but it's not working. I seem to be stuck in a cycle of anal intrusion.

I opened a HSBC account the other week because of all this, but I have bills and pending income in a couple of my Natwest accounts that I need to wait for first before making a complete transfer. I would close this one, but I'm scared they'll just start taking £28 out of my main Natwest account instead.

In which case it is their error - they can oly charge you once for going into the red (if you only went into the red once).  Because they agreed to waiver that initial charge (they should tape calls as proof) then you should not have been charged anything.  Speak to them.  It will be ok...

HSBC are horrid in my experience.  However they should be able to transfer all of your credits and debits on your behalf?

The first time I spoke to them, they said the £38 wasn't a nullification of the unpaid cheque charge, but a 'good will gesture' and that I would still be charged the £28 for going into the red. Sadly, they didn't mention this to me initially and allowed me to end the phone call thinking they had nullified the charge.

Yes, I keep looking at my accounts online. I put in £200 on 4th Sep, have been charged £28 on both 30th Sep and 31st Oct, and now have £144. I didn't go into the red, as the final figure shows.

Shall I start charging them for their error! I just can't believe they try this on.

Usually charges are a month after actually being charged - are you sure you didnt go over last month?

Banks are horrid - I remember the days that I could have a friendly chat with my lovely bank manager and he would be happy to give me what I wanted.  Sadly not any more :(

No, I have a print out of my accounts. I've only been in the red twice, yet they've charged me three times. That just doesn't make sense.

If it's month later, then the 31st Oct charge is illogical because on the 31st Sep I had £172. The last time I was in the red was on 29th Aug where they put me into the red themselves with the £28 charge. I have been in the black since then, yet received two charges.

Ps I had ALL of my charges refunded after threatening court action but I had to sign something saying I understood it to be a 'gesture of goodwill' and not an acknowledgment of the banks unfair, outrageous and illegal charges...

Whereas my NatWest branch and my experiences with my account  have been excellent (up till now anyway). Still with the Sheffield Uni Branch (even though I graduated over 10 years ago). 

,

This is generaqlly correct.

Snoops, do you not receive statements as these should detail charges to be taken in the next month.

If you are happy to do so, send me a list of dates  & times of calls made and where possible the names of people you spoke to. I will draft you a letter of complaint.

You should be able to get the email for the complaints team at Natwest (send me the number you called and I should be able to get an email address tomorrow from work)

Obce we get this to them they have 5 days to acknowledge receipt and then 20 days for follow up. All banks etc attempt to have complaints settled within this period.

Do not send me any your account details, wouldn't want another potential grimmers thread  - lol

Geo

I live in London, but happen to be in Solihull this week, which is where my official branch is. Therefore I'll pop in tomorrow and ask why they're still charging me on a monthly basis. Thx for the offer, I'll let you know how I get on. I'm taking my pops in for extra manpower.

Just thought I'd offer an update here for anyone interested of facing similar charges. I went into my original branch in Solihull where I was treated much better. Seemed to help having my dad in the ranks, he's a lot more adamant than me and so harder to brush off. Either way, I felt I held my home and kept hammering my points until she agreed to put a report through and make sure we are contacted with three days. A few days later, they rang to say that all charges had been reimbursed. I didn't receive an explanation or an apology for the illogical final charge, but it was clearly a banking error so I'd imagine it played a big hand in getting my money back. Thanks to those who offered to help or posted words of advice, it was much appreciated.

Lol weird, im still with the Sheffield Uni natwest branch as well, graduated only 5 years ago though.

Glad you got it sorted, unfortunately any bank is only as good as the person you are dealing with.

have you closed the a/c yet or are we going to be treated to the next comedy installment next month when they charge you again?

Have been busy last few days but will close it early next week. I feel like I owe it to my fans to keep the comedy going though.