Received transaction list from natwest... but no charges on there??

tb89

Hi all,

I recently requested the list of charges from natwest as per the templates on this site, and received today a list of all my transactions on that account for the since 2004 (when I opened it). What is odd is that I can't find any unauthorised overdraft charges on it, only a couple of unpaid cheque charges. I know for sure I've paid many unauthorised OD charges on this account, so where are they?

The transaction papers were preceded by a letter reading:

"Manual Intervention
With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account"

I have absolutely no idea what that means...

natweststaffmember

tb89 wrote: »

Hi all,

I recently requested the list of charges from natwest as per the templates on this site, and received today a list of all my transactions on that account for the since 2004 (when I opened it). What is odd is that I can't find any unauthorised overdraft charges on it, only a couple of unpaid cheque charges. I know for sure I've paid many unauthorised OD charges on this account, so where are they?

The transaction papers were preceded by a letter reading:

"Manual Intervention
With reference to your request concerning any 'manual intervention' to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event you breach the terms and conditions, we will take the appropriate action, contacting customers when appropriate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted on the account"

I have absolutely no idea what that means...

Ok, have you got internet banking?
You can double check this via online banking.

tb89

Downloaded all the statements now, appears to be the same, are they trying to tell me that the charges don't need to be registered on the account as they are 'manual intervention'?

natweststaffmember

tb89 wrote: »

Downloaded all the statements now, appears to be the same, are they trying to tell me that the charges don't need to be registered on the account as they are 'manual intervention'?

They're telling you that the charges are automated so no manual intervention was made