RBS Change in Charging Policy !!!

natweststaffmember

flam147 wrote: »

are step accounts now given 21 days after statement date or are they still penulties?

It is 21 days. If you use online banking facility you can click on at the top of the accounts summary a pop up with previous notifications sent out. If you click on the one from January, it runs through the list of changes that happened.
You can change the statement date to be certain that the charges are covered however, it would take 2 months to kick in, ie charging period would have ended already and the following one started. does that make sense?

flam147

natweststaffmember wrote: »

It is 21 days. If you use online banking facility you can click on at the top of the accounts summary a pop up with previous notifications sent out. If you click on the one from January, it runs through the list of changes that happened.
You can change the statement date to be certain that the charges are covered however, it would take 2 months to kick in, ie charging period would have ended already and the following one started. does that make sense?

yes thanks but my step accounts have been half suspended!!!

natweststaffmember

flam147 wrote: »

yes thanks but my step accounts have been half suspended!!!

Half suspended?

flam147

natweststaffmember wrote: »

But wasn't when the systems were updated overnight. As an aside, online banking cut off point is 6.30pm

so the statement that money has to be in the account by 3.30pm previous working day is false.

it is now money has to be in account by 3.30pm previous working day by branch except if online banking 6.30pm except if telephone banking xx.xxpm except if it triggers a charge whatever we make up to suit us as we go along!

much better after 3.30pm mark funds as unavaiable so the DD gets paid then Natwest could say Natwest Helpfull banking!!!

natweststaffmember

flam147 wrote: »

so the statement that money has to be in the account by 3.30pm previous working day is false.

it is now money has to be in account by 3.30pm previous working day by branch except if online banking 6.30pm except if telephone banking xx.xxpm except if it triggers a charge whatever we make up to suit us as we go along!

much better after 3.30pm mark funds as unavaiable so the DD gets paid then Natwest could say Natwest Helpfull banking!!!

However, you can still pay in the working day when the payment is going out and the item could be paid. You do need to make a member of staff aware that it is to cover this though so the 3:30pm rule has never been fixed in stone apart from the days when branches shut at 3:30pm

flam147

natweststaffmember wrote: »

However, you can still pay in the working day when the payment is going out and the item could be paid. You do need to make a member of staff aware that it is to cover this though so the 3:30pm rule has never been fixed in stone apart from the days when branches shut at 3:30pm

i explanded this to them on telephone banking on saturday the money was transfered from one step account to another then back again and i told them a direct debit was due and they still charged me £38 and refused to refund