Help, Bank Account disappeared ?!

auldblerk

Dont know whats happened here but hope somebody can help. My monthly wages were paid in today [paid in on the 15th of each month], withdrew some money to pay a bill this morning then went to work. Went to buy something with card at 5.30 and transaction refused after swiping it twice = bad situation !. Went to cash machine and couldn't get any cash or a statement ?! Tried to get info by phone banking and told my balance for the account was nil (even though I have an overdraft) and couldn't give me any previous transactions. Soon as I got home I went online and the Account isn't on the page. I wouldn't have thought the Bank would have terminated the Account as they were making money on overdraft charges. I have missed a few loan payments which is on a seperate account. I was just about to commence a IVA now this has happened ! Hope somebody can help me with this problem as I see a sleepless night looming.

withnell

Can you provide some more information?

What bank are you with?
How are your wages paid - cheque / BACS?
When you rang phone banking did you speak to a human or just listen to the automated voice?

auldblerk

RBS
BACS
Automated Voice

Kavanne

if you owed rbs money on a loan and you paid money into an rbs account then they can take that to pay off your loan arrears. they may have done this. choose option 2 to speak to a real person on telephone banking

dc110

You say your wages have been paid in. Have they definetely gone in or are you assuming they have because they always do on the 15th?

Fire_Fox

The OP has also posted on the IVA board ....