Natwest failed to cancel my direct debits Step account over £400 overdrawn

flam147

last year when i was ill i asked Natwest to cancel all my direct debits by telephone banking which they failed to do so i was eventually charged over £400 in an unlawful imho step account.

natweststaffmember

flam147 wrote: »

last year when i was ill i asked Natwest to cancel all my direct debits by telephone banking which they failed to do so i was eventually charged over £400 in an unlawful imho step account.

Did you write a letter of complaint at the time and what was their response?

flam147

i have also made mistakes with coop cashminder (also basic account) but when the account got to just over £70 overdrawn in charges they suspended the account and canceled direct debits untill i was in credit again which is what natwest should have done?

flam147

natweststaffmember wrote: »

Did you write a letter of complaint at the time and what was their response?

just disputed it by telephone and they refused to refund any charges

natweststaffmember

flam147 wrote: »

i have also made mistakes with coop cashminder (also basic account) but when the account got to just over £70 overdrawn in charges they suspended the account and canceled direct debits untill i was in credit again which is what natwest should have done?

No they don't do that(NatWest that is)

flam147

natweststaffmember wrote: »

No they don't do that(NatWest that is)

which is why i think the step account is unlawful as the contract is unbalanced in favour of the Bank
you may not overdraw your account but we may overdraw your account and charge you what we like to any amount that we like.
and try to get round this by using jargon that you may not have an authorised overdraft (ie you may not overdraw), but you may have an unauthorised overdraft (ie we may charge you and make you go overdrawn to what ever amount we like).

natweststaffmember

natweststaffmember wrote: »

Did you write a letter of complaint at the time and what was their response?

So let's get back to the matter at hand which is either it's bank error or its not.

flam147

i beleave that because Basic account,s are for people with bad credit history on benifits etc that charges on them should only reflect the costs to the bank (as it should on all accounts). not plunge people into debt that cannot afford it. as these are the accounts that mistakes are most likely to happen

flam147

natweststaffmember wrote: »

So let's get back to the matter at hand which is either it's bank error or its not.

bank say i should have notified the companies as well?

esmerellda

If a DD is cancelled at the bank it is cancelled. The company may try drawing on it but it will bounce back which is when you get the letters from the companies saying you cancelled your DD ring us and pay by other means etc.

How much notice of the cancellation of the DDs did you give to the bank ? ie how long before they were due to go out, theres usually a specified period like 2 days or so.

flam147

esmerellda wrote: »

If a DD is cancelled at the bank it is cancelled. The company may try drawing on it but it will bounce back which is when you get the letters from the companies saying you cancelled your DD ring us and pay by other means etc.

How much notice of the cancellation of the DDs did you give to the bank ? ie how long before they were due to go out, theres usually a specified period like 2 days or so.

they did not cancel any and the time period is months