Natwest have stolen my money!

natweststaffmember

wigwamsalesman wrote: »

They really should be.

As you don't do their job or have the amount of abuse they sometimes have to take, I don't think you have a clue.


I am interested in the POS job though cos you might be the man to answer the question. How was floor limits programmed into the machine?
Furthermore, is there a default setting that you could get a transaction through without asking for authorisation?

wigwamsalesman

natweststaffmember wrote: »

Is this under the new charging system, ie 21 days after the statement date? Was the item refused that day or was it relating to a historic unpaid item.

The item was refused the day before and the charge was put on at the end of the day I made my debit card transactions.

My comments regarding her being on minimum wage related to the fact that she showed no interest in customer service and had no authority whatsoever. She offered the information that the charge would not be reversed even before I could get a word in and then when I explained she just kept saying that her records showed that the charge came off before I spent my money.

natweststaffmember

wigwamsalesman wrote: »

The item was refused the day before and the charge was put on at the end of the day I made my debit card transactions.

My comments regarding her being on minimum wage related to the fact that she showed no interest in customer service and had no authority whatsoever. She offered the information that the charge would not be reversed even before I could get a word in and then when I explained she just kept saying that her records showed that the charge came off before I spent my money.

hmmm, normally I can explain charges and I suspect she was anticipating what you were going to say. Unfortunately I would have followed a similar approach albeit without the interruption. I don't get how there is funds available showing unless the transaction was done on Friday and it is the following tuesday that the charges are applied or rather was applied.

simon_templar_2

Given the OP's attitude on here is it any wonder 'Tina' was abrupt back to the OP? Had he been in branch with his surly manner I would have been sorely tempted to punch him in the face.

wigwamsalesman

simon_templar wrote: »

Given the OP's attitude on here is it any wonder 'Tina' was abrupt back to the OP? Had he been in branch with his surly manner I would have been sorely tempted to punch him in the face.

God, are you a Guardian reader? Only they wouldn't get annoyed at £70 being taken off them for no good reason. I was perfectly courteous to Tina and as already stated, she didn't let me get a word in before telling me it wouldn't be reversed.

Thanks for your useful input on the matter though.

natweststaffmember

wigwamsalesman wrote: »

God, are you a Guardian reader? Only they wouldn't get annoyed at £70 being taken off them for no good reason. I was perfectly courteous to Tina and as already stated, she didn't let me get a word in before telling me it wouldn't be reversed.

Thanks for your useful input on the matter though.

The difficulty we have is not seeing a screenshot with your details removed to be able to understand where she is coming from. I don't understand the fact that you were showing as funds available and no other transactions went through the account apart from the charge. Was the unpaid fee valid?
Was the unpaid item bounced on that day or not?

aaliyah2007

wigwamsalesman wrote: »

I am absolutely outraged! I used checked my balance on 28th May before using my debit card. I check my online banking the next day and find that I have gone overdrawn because natwest decided at the end of the 28th to apply a £38.00 charge for a direct debit that failed (that's my fault, I forgot to cancel it). THEN they have charged me £70.00 for card guarantee charges (£35 for each time I used my debit card the day before) because their charge put me overdrawn. A charge that was applied later in the day than I used my card! I know point of sale can be slow but both the transactions show on my statement as going out on the 28th.

The robotic moron called Tina I spoke to at Natwest said it wasn't a bank error as the charge was showing on their account before I used my card (how convenient) even though when I checked at the cash machine it said I had funds available and I know the point of sale machine would have rejected the payment if there were not enough funds available.

Is there anything I can do about this other than shove my maestro card up her backside and move to a different bank? I have put over £30,000 into my current account in the last year and that's the best customer service they can come up with?

ok let me add here. first of all no offence but you should have recieved a pre advice letter regarding how much and when the charges will be debited from your account. if you didnt they would say this information is available on your online banking under statements. so, the bank would argue you knew in advance the 38pounds were going to come out but you still went ahead with your pos transaction, hence the charge.

stclair

You havent got a leg to stand on there was no bank error.

Id refresh yourself on the banks current terms and conditions.

http://www.natwest.com/olb/mandatory_message/downloads/tcs_changes.pdf

stclair

aaliyah2007 wrote: »

ok let me add here. first of all no offence but you should have recieved a pre advice letter regarding how much and when the charges will be debited from your account. if you didnt they would say this information is available on your online banking under statements. so, the bank would argue you knew in advance the 38pounds were going to come out but you still went ahead with your pos transaction, hence the charge.

View a Statement for a Bank Account

View your account history, transactions and bank statements.
View transactions by date or period
Review your recent account history (e.g. last month) or transactions between flexible dates that suit you.
View bank statements on screen
Even if you still receive statements by post, you can view your historic bank statements on screen.
View pre-advice of interest and charges on screen
Giving you notice of interest and charges that will be applied to your account – even if you get this information already by post.
Start or stop receiving bank statements by post
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PasturesNew

If you're looking to change banks, I've had a couple of accidents with the CoOp over the years and they've always instantly refunded me a couple of charges when I've phoned.

Another one was Barclays. I accidentally wrote a cheque on my current account when I meant to move money electronically from my savings account (new account/s, hadn't got the hang on them and I thought the cheque book had the money in) ... they too instantly refunded my bounced cheque charge.