Natwest Mastercard

Phoebs · 25 Nov 2007 at 19:40

i am absolutely fuming!

just checked my bank account to discover that natwest have very kindly taken card protection out for my card! £29!!!!
im fuming because:
1. I recieved a letter about 2 weeks ago asking if i wanted to renew my card protection. if so i had to fill in the form and said it back! I didnt fill it in as i dont want or need it as i am planning on cancelling the card anyway!

2. as a result of them taking £29 out of my account without my consent i am now over my credit limit! which is going to result in charges and interest payments!!!!!!!!!!!!!!!!!

so if i ring them tomorrow and state i want my £29 back and any interest they are about to charge me will they give it me back?

Phoebs · 25 Nov 2007 at 19:46

blighter said:
At least you have access to your bank

well i hope when you do get access yours will look better than mine
£6
£2.52
-£3

Phoebs · 25 Nov 2007 at 19:48

Ben M said:
Kick off and say you want to close your account.

if you do it in the right way they'll reverse the charges.

And then you can go ahead and close your account anyway.

The kicking off is best done in a branch, not to some indian in a call center.

can only do the credit card stuff over the phone cant you? if i can do it in the bank id much rather. HATE speaking to people on the phone!

wanna cancel it anyway. someones been using it to pay for xbox! so thats like 50quid more they owe me! paying it off in february. hoorahhhh!

Phoebs · 25 Nov 2007 at 19:52

Ben M said:
i can't see why they wouldn't let you do stuff with it in branch.

make sure you take proof of id.

hmmm good job i have a 3 hour free at uni tomorrow! im going armed with statements ID and a mouthfull of words! im so annoyed! my money situation has never been this bad!

Phoebs · 25 Nov 2007 at 19:57

knip said:
Mines worse -£192.45, and I have car tax and MOT to pay for this week, and I dont get paid until Friday, by which time my rent will have already gone out.
What do I win.

ouch! i would say you win our money! but no-one has any.

Phoebs · 26 Nov 2007 at 13:53

"even though it has the natwest name we cant do anything with it here"

what the hell! Now i really am angry! roll on home time. a few choice words will b exchanged over the phone!

the woman didnt even react when i told her the card had been used without my position!

Phoebs · 26 Nov 2007 at 16:16

[DW]Muffin;10564781 said:
Good how?

I think thats standard procedure for credit related issues, all phone/letter based. Could be to do with security, they view letter/phone call with staff meeting certain criteria (too stupid to remember details etc *ducks*)

Thats funny, as when i asked to speak to someone regarding issues with my credit card she was perfectly happy to book me an appointment. as soon as i mentioned what the issues we're she changed her mind! building myself up now for the phone call

Phoebs · 26 Nov 2007 at 17:05

Please god no more classical music!

they've cancelled my card protection and are refunding that god knows whats gonna happen if i get charged!

They're sending me the forms to fill in about the payments to Xbox.

and im now in the process of writing a letter to cancel my card. what exactly do i say?

Phoebs · 26 Nov 2007 at 17:20

gumbald said:
Doesn't need to be elaborate, just that you'd like to cancel with immediate effect

i assume i can still cancel if i still have payments to make? aslong as i pay the payments of course?

Phoebs · 26 Nov 2007 at 18:16

gumbald said:
They'll probably ring you with general confusion if you try and cancel before it's all sorted. I'd just wait until it's clear before you try. Departments aren't generally very good at talking to each other...

gonna state in the letter about the current dispute and the continuing of payments etc. we'll see what happens! i'd rather not have it anymore, if they tell me i dont have a leg to stand on about the xbox payments then im stuck in the same position!