Natwest

[snoopy1239]

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

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.

[snoopy1239]

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.

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.

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.

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.

[zelda]

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...

[zelda]

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

[snoopy1239]

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...

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.

[zelda]

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

[snoopy1239]

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.

[zelda]

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...

[kinboshi]

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.

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.

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.

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). 

[Geo the Sarge]

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

,

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

[snoopy1239]

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

,

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.

[snoopy1239]

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.

[Longy]

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.

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.

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.

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). 

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

[Grier78]

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.

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

[gatso]

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?