.....................

pugsyts

like many of the aboe posts, you areall trying to explain this... when actually there is no 100% answer. APART from the overdraft wasnt taken off when i requested.

i will still honor my payments, but would like some form of compensation for tehlast three years bully boy tactics from the bank....

forget what i did or why, try answer why or how a bank can make such massive mistakes and not take responbsility....!!!! even say a call didnt happen when it cleary did (got proof).

thats what i am for..

Lokolo

pugsyts wrote: »

get your facts right before posting. the card process does not cover this . payments are honered for up to 6 mths with a retailer but the payment still has to be authorised via the bank to confirm available funds first. otherwise what is stoping people who have no available funds spending? they cant, as you and i know if i tried using my card to buy anything it would get declined in the first instance due to having no available funds.....!!!!

It has been confirmed by the bank that the only reason the payments came out were because the overdraft was still active, with this included and my credit i had available funds.

Pl

The overdraft feature is part of your account and cannot be removed. Just like the ability to transfer to other accounts.

The bank can remove your overdraft facility, but this does not mean the overdraft cannot be reinstated automatically when you purchase something without the funds.

In the T&Cs in the account, when you purchase something without the funds, you authorise the bank processing system to add an overdraft if you are allowed (if your credit rating is good enough).

You will not get compensation, you neither need it nor deserve it. As for 'bully boy tactics', stop making s*** up.

bendix

Doesnt this thread just sum up modern Britain.

A supposedly mature adult can't control their spending and thinks it's up to the banks to act as their financial parents, withdrawing their lollies when the bag is close to empty.

When the child (sorry - adult) realises it's spent more than it should, it blames everyone except themselves and demands compensation.

Utterly sickening.

You should be ashamed of yourself.

pugsyts

lokloooao: What a load of crap.!!! please

bender dik: ha ha ha. who rattled your cage.

sensible advice please, whats wrong with a discussion forum, meant to allow free speech, without attacking the author.

like i said you wondeer why the UK is in such a state with banks like ours and bender dix liken the above.

anyway back to the point.

Lokolo

pugsyts wrote: »

lokloooao: What a load of crap.!!! please

bender dik: ha ha ha. who rattled your cage.

sensible advice please, whats wrong with a discussion forum, meant to allow free speech, without attacking the author.

like i said you wondeer why the UK is in such a state with banks like ours and bender dix liken the above.

anyway back to the point.

How is my post a load of crap? Please point to where I am incorrect.

pugsyts

Lokolo wrote: »

How is my post a load of crap? Please point to where I am incorrect.

they are called un-authorised overdrafts, but these are for nominal amounts. Like £100 or so. not £1200 for a unemployed worker who has been overdrawn for months.

such advise is not needed when incorrect. you sound like a nat west manager trying to explain their way out of an error they have made with more lies and incorrect information.

this is exactly why i am fighting this..

sazzybum

Please tell me this is a Troll!! If not, then it's someone who will NOT admit they are even slightly in the wrong. And everyone is wasting their precious time and advice on this.

I bet if they tripped over a bump in their own carpet, they'd sue the carpet layer.

Sad, sad, sad.

bendix

YOU have made the error, not them. It's your money. Haven't you heard of personal responsibility.

It's sickening that people get themselves into overdrafts (and the only way they do that is by either not knowing or not caring what they are spending) and then blame the banks for it.

We are a nation of spoilt children.

But to then think you're entitled to compensation for it is utterly amazing.

Go ahead and fight it. You'll get nowhere.

pugsyts

let me guess fat bum.

i am taking responsibility for all of my actions, just asking for the same to be done with by natwest. do you not get this.

posters please stop going on about my payments. like i said i have taked responsibility for them, just want a correct explaination to why this was allowed to happen. a sorry will do it from them..

please no more abuse

pugsyts

bender come on, god! this is a dicussion forum.