Natwest letting me go overdrawn on a basic account with no overdraft!

PaulBlake

Natwest has let a company take money outta my account when i had nothing in there and no overdraft set up on the account, i was given no notice of this happing, i will be going in tomorrow to get them to sort it out, any body know what my rights are with this?

natweststaffmember

PaulBlake wrote: »

Natwest has let a company take money outta my account when i had nothing in there and no overdraft set up on the account, i was given no notice of this happing, i will be going in tomorrow to get them to sort it out, any body know what my rights are with this?

Did you have an agreement with the company though?
Is it fraud?

PaulBlake

ebay have taken money out off my girlfriends account for a fine without informing me and also I dont have an overdraft as pacifically put that down when opened my account with them, because they ask! I dnt no what to do all my benefit money and more is going to be taken and I have a little girl to support, I need help

natweststaffmember

PaulBlake wrote: »

ebay have taken a charge out off my account without informing me and also I dont have an overdraft as pacifically put then when opened my account with them, because they ask! I dnt no what to do all my benefit money and more is going to be taken and I have a little girl to support, I need help x

Did you buy something on Ebay?
When did it go out?
How much?

PaulBlake

no it is because I couldnt pay for something, they fined me, they took out 266 out sturday

natweststaffmember

PaulBlake wrote: »

no it is because I couldnt pay for something, they fined me, they took out 266 out sturday

£266.00? That would be the total of the charges which would be for last month since the charges come out 21 days after your statement date.

PaulBlake

yea £266.00 its not charges from the bank its ebay, but i wasnt informed and I dont have an ovberdraft is their anything I can say tomorrow when go into the bank or do this money wasnt in their to be taken

stclair

Well you have an agreement with ebay/paypal so they are within there right to take a payment. They usually notify you via the email address you registered the account with.

PaulBlake

havent been notified and yea they have a right but my bank shouldnt have let them as no money in the account or overdraft facility as its just a cash account, and also ebay should have notified me by mail as well as email

stclair

PaulBlake wrote: »

havent been notified and yea they have a right but my bank shouldnt have let them as no money in the account or overdraft facility as its just a cash account, and also ebay should have notified me by mail as well as email

Is it a step account or a cash account?

As a cash account you cant have direct debits and standing orders set up on it !!

natweststaffmember

PaulBlake wrote: »

havent been notified and yea they have a right but my bank shouldnt have let them as no money in the account or overdraft facility as its just a cash account, and also ebay should have notified me by mail as well as email

I am not saying not to reclaim the money but no bank worker can say 100% that with an account without an overdraft that you cannot go overdrawn. Furthermore, if you know how the charges work then you can take control of them rather than end up in a cycle of charges. Remember, if you buy something on Ebay then you pay for it through a nominated payment method or if you sell something then the same applies. Worth checking which email you have(I have 3 that I regularly check so I know it can be difficult).