Natwest

[snoopy1239]

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.

[Geo the Sarge]

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.

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.

[snoopy1239]

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.

[snoopy1239]

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

Thanks again everyone for the advice.

[tikay]

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

Thanks again everyone for the advice.

The pleasure was mine.......

[Geo the Sarge]

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

Thanks again everyone for the advice.

Nice result snoops.

Geo

[sovietsong]

Nice work!

[snoopy1239]

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?

[steeveg]

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.

phone up again snoopy and explain what happened last month

[snoopy1239]

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.

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?

[steeveg]

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

[LLevan]

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.

[Grier78]

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.

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?

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.

[MC]

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

[snoopy1239]

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.

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?

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.

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?