To hell with natwest
- Thread starter pyro
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Soldato
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Vixen said:
I think his post was more a reference to Nat Wests computers not being able to manage his money!
No, actually he went overdrawn, causing an unagreed loan and thus got penalised for it. £1.56 or £500, 1 day before pay day or 1 year, it's an unagreed loan, thus he was right to get penalised. The bank refunded to save face from him running to the Sun complaining he lost his dummy.i know nothing said:I think his post was more a reference to Nat Wests computers not being able to manage his money!
Dj_Jestar said:
Well £28.00 in my back pocket
Plus given the fact that i've gained the bank several customers over the 5/6years i've been with them (not to mention at one point work for them) i think its thoroughly correct and theres a lot of people who share my thinking
>| Raoh |<
Dj_Jestar said:
No - the bank can only penalise you for their costs incurred from him going overdrawn as it is a penalty charge - which in no way is £25.
This is why when you actually summons them for the charges, they pay you back (as they won't go to court and disclose their costs - in much the same way they refused to tell the OFT).
Soldato
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Dj_Jestar said:
Or maybe it was because he didn't withdraw the money and it was their small interest charge like he said.
When you go to the bank there's always some (usually black) work experience girl 'chatting' on the phone to her 'mates' in some unrecognisable dialect who might just find 5 seconds to talk to you if you wait there long enough, and one older white woman who actually knows what she's doing. Always go for the latter.
The bank were slow giving me my overdraft and I went in 3 times and talked to the first girl who kept telling me 'compu-ah sez iz autahma-ic. Jus wait a bih'. The fourth time I deliberately chose the other woman who did it there and then on the spot, no problem whatsoever.
The bank were slow giving me my overdraft and I went in 3 times and talked to the first girl who kept telling me 'compu-ah sez iz autahma-ic. Jus wait a bih'. The fourth time I deliberately chose the other woman who did it there and then on the spot, no problem whatsoever.
im 16 and have two accounts with the abbey... the old account which i can only use at ATMs or in the branch, and my new electrom where my work payment goes into (my pocket money still goes in the other account).
i had spent all my wages and had £5.98 in my old account, so i went to the abbey branch to draw it out... as i needed lunch
the women that served me said that i can only draw the money out using a book that i got with the account, which i had misplaced somewhere, and she just wouldn't let me have the fiver (although i had photo ID and my card for my other account..) so i went to the manager and complained and he said that he would do it for me 'just this once'.
then, being annoyed, i asked nicely to close my account, to which he replied i need my book...
and i asked for a replacement, he said it would cost money for a new one
is this right?
do i really have to pay to close my account? i'm not sure on my rights here so please help
i had spent all my wages and had £5.98 in my old account, so i went to the abbey branch to draw it out... as i needed lunch
the women that served me said that i can only draw the money out using a book that i got with the account, which i had misplaced somewhere, and she just wouldn't let me have the fiver (although i had photo ID and my card for my other account..) so i went to the manager and complained and he said that he would do it for me 'just this once'.
then, being annoyed, i asked nicely to close my account, to which he replied i need my book...
and i asked for a replacement, he said it would cost money for a new one is this right?
do i really have to pay to close my account? i'm not sure on my rights here so please help
blighter said:
Well think about it, what is the point in them giving you a book if you they don't expect you to use it to withdraw the money? They may as well just tell you all to come in with photo ID and save themselves the cost of buying the books to issue.
qwerty said:
Ahahahaha can't say I experienced that one, though a white girl at the counter has mistreated me and at the same time treated me like a King, so has an asian, who also treated me like crap. What am I saying? It's nothing to do with race!
Anyone remember Yorkshire bank I think? I lost my card three times with them so they decided not to send me one again, that was the invitation to close my account so I did. When you get an unfriendly face at the counter, always ask for the manager. One time this chick wouldn't clear my cheques because the name looked slightly different, I explained it to her and she refused to accept the explanation accusing me of it being illegal. After I laughed and looked around for Jeremy Beedle I said put them through, if there is fraud you have my name, address, etc and it will fall back on me. Sadly, the manager was busy or something (she probably didn't call him) so I just left ~ I was already having the worst day or I would have made sure she got fired.
Moral of the story? You always get a******
zain said:
If those cheques had turned out to be illegal and the girl had put them through, then she would be risking her job. Bank staff are taught to be very cautious about that sort of thing, and she did what she should have. People with attitudes like yours just help fraudsters get away with what they're doing.
Vixen said:
My name looked as if it had been slightly mis-spelt, when you have two important cheques you need putting through you don't smile and say all in the name of fraud so I accept your decision. The way she handled it was not professional either, aha GD! Always quick to make the assumption *shakes head*, *sling shots "People with attitudes like yours just help fraudsters get away with what they're doing." to Vixen. Either way, the same day I took them to my local and they happily put them through.
zain said:
It's not an assumption at all. If there's anything wrong with a cheque at all then it should be questioned. I've been trained to question customers and not to withstand any "but I really need this" if there is anything remotely suspicious, and I never let something through if I'm unsure. I could go into patterns of fraud and types of customers to prove a point, but it's not the wisest of things to post on an internet forum.
I'd be more inclined to say that your local branch did anything wrong than the first one.
re the first post, sounds really annoying, but it does make sense from a security point of view - if a card is sent out and not received within X days it would be irresponsible for the bank to leave it active (think how annoyed you'd be if your new card went missing in the post and was used because it wasn't cancelled when it wasn't received).
Re the banks and cheques, again mildly annoying but a very sensible precaution given the amount of fraud etc these days.
It seems the banks are in a no win situation, if they don't take measures to protect peoples accounts they get complaints, and when they do take measures they get complaints
P.S.
Zain, I wouldn't invite Vixon to bite you, I don't know if she's had her Rabies jab
Re the banks and cheques, again mildly annoying but a very sensible precaution given the amount of fraud etc these days.
It seems the banks are in a no win situation, if they don't take measures to protect peoples accounts they get complaints, and when they do take measures they get complaints
P.S.
Zain, I wouldn't invite Vixon to bite you, I don't know if she's had her Rabies jab