Nat west charge my 15 year old daughter £40 for refusing to pay a £27.00 DD

TighterThanTwoCoatsOfPain

Back on topic.. Just my personal opinion, but if i were you i would let the bank charge stand - hear me out! - Your daughter wont forget (hopefully) the benefit of managing her accounts correctly and will hopefully steer clear of charges for life.

Should it just get lifted she will assume that it doesnt matter how she spends / manages money as its ok, she'll just get bailed out.

Whether you agree with the principle or not, i think its quite a good and cheap lesson as long as its a one off and doesnt cause a spiral into debt which doesnt seem to be the case.

just my opinion, i dont expect many on this board to agree..

nervousmother

Same thing happened to my daughter, who is 18, first account first DD. Natwest refused to shift after bouncing a £36 dd, charged her £38 that made her £2 overdrawn so charged her £28 for that too! the money was in her account the same day it went overdrawn but she was overdrawn in the morning so that was that. expensive lesson. £66 when she is in full time education and gets £20 a wk pocket money

natweststaffmember

TighterThanTwoCoatsOfPain wrote: »

Back on topic.. Just my personal opinion, but if i were you i would let the bank charge stand - hear me out! - Your daughter wont forget (hopefully) the benefit of managing her accounts correctly and will hopefully steer clear of charges for life.

Should it just get lifted she will assume that it doesnt matter how she spends / manages money as its ok, she'll just get bailed out.

Whether you agree with the principle or not, i think its quite a good and cheap lesson as long as its a one off and doesnt cause a spiral into debt which doesnt seem to be the case.

just my opinion, i dont expect many on this board to agree..

I understand your point of view on this one but the hard facts are contained within the Terms and conditions of the account, ie she was charged(yes it was the consequence of not having the correct amount in the account to cover a payment) for something she is not permitted to have on the account. I am sure that the OP did not let her daughter off lightly(if most mothers are like the OP ) and she will not forget it in the cold light of day.

peachyprice

natweststaffmember wrote: »

On the last point, I was sacked for gross misconduct on February 11th.
It is related to the what I do in the bank charges campaign. There was an article in the independent on Sunday yesterday about it.

:eek: So sorry to hear that.

lisssa

firstly natwest staff member - thanks for the advice and im really sorry to hear you have lost your job !!! At the end of the day you werent doing anything illegal just pointing out the facts - hmmm typical of the banks at the moment!

Thanks for all your advice, I have taken it all on board, - and no my daughter didnt get away with it lightly lol. It actually quite shocked her when she received the letter, she was down to the bank straight away, paying money in ! To be honest she hasnt made a fuss at all about paying the charge it has been more a case of me begruging the bank that amount of money as I know it is alot of money for her , especially when she has shown that she has been really responsible with her allowance and budgeting quite nicely until she had the hiccup over christmas !!

Will have a think over the next couple of days as to whether to take her down to the bank or not !

thanks again

jopwo_87

Just complain and keep complaining. As its the first charge they always refund it if you push hard enough. The first person you speak to will always say no, ask to speak to their superviser. At this point they may say no as well, in which case ask to speak to a manager and they will refund it.

Whenever iv complained about first bank charges on a couple of my bank accounts or credit cards they have always refunded eventually.

Good luck. By the way shes lucky to have parents like you who are teaching kids the value of money. I wish i was taught it from that young age too and i may not be in the mess i am now.

x

Jakg

Just to point out - she didn't go over-drawn, as she's under 18 they can't lend her money, and so it'll just get rejected if she tries to buy anything rather than going over-drawn.

natweststaffmember

ts_aly2000 wrote: »

Ooooh nice, NatWest are going after the throats of children now... Nice....

It's not actually NatWest which is responsible for their dreadful attitude, it's RBS. I worked for NatWest when RBS took over, and they turned what was once a relatively proud bank, into a culture of backstabbing, setting people up, bringing in contract consultants at £600/day to do what was already being done. It's RBS's fault.

But to the subject at hand. Your daughter is a minor. They can't charge her a thing, it's also extremely bad practice too. Well, they could charge her £1,000,000 if they fancied, but seeing as she's a minor, they're not able to get the money out of her.

Tell her to go and open another account elsewhere, and tell NatWest to go whistle. The account WILL spiral into freefall, with charges upon charges, and the threatening letters from Debt Collector's will starting dropping on the doormat. When it hits £1,000 (and it WILL into about 12-months if it's left) then you go to the newspapers.

16-year old Girl in £10,000 of debt to NatWest due to bank charges

The Daily Mail will snap that one up in an instant.

All you need to do is to phone up the Lending Department/Operations, and tell them that she's 15, and if they don't re-adjust their attitude then you'll be going to the newspapers. And also add that they have no legal claim, and if that's the way they think they should be treating children, then it's no wonder we're in the mess we're in now.

They caused all of this! It's their mantra and the way they think.

Oh, and I've just decided that you owe me £50,000 for writing this post. This 'charge' will increase at £12 per day, and interest will be charged at 37%. Failure to pay this outstanding amount will result in our Recovery Team kidnapping you in the middle of the night, removing one of your kidney's, and selling it on the black market.

If you used to work for NatWest as I did, you must know that it cannot spiral because the Adapt/card plus cannot incur charges for being in the red. Why be confrontational when you simply explain to the bank that they are not allowed to trust someone under the age of 18 and they should refund the amount same day. They will probably require the DD to be cancelled. Sometimes, being confrontational simply is not the way you would have expected to be treated at work nor would I have.