Switched to Natwest and Have £76 charges before open!

kay74

Oh my. Had real probs with TSB and their poor customer care / service so swapped to Natwest. Was told account opened today with DDs transferred from TSB to them from today. They have not informed my insurers (AA of this date so they tried to take house ins from account on Thurs past (money still in TSB) so DD returned along with £76 charges from Natwest and £40 from AA. Am angry before account even started. Will it be bad for my credit rating to go and open another bank account today and swap it all to that? When phoned Natwest Fri night they were really unhelpful and said 'that's the way it is' and refused any help to sort out (their) problem. Will other banks be unwilling to take me on as don;t even have a statement from them or can I show TSB ones? Sorry, so many questions, but don't know what to do. Thanks

johnmoney05

You have to sort out the problem with Natwest first. Some banks do offer switch account service and they will refund any charge should it happen...

KTF

Did you use their switching service or did you make the changes yourself?

Gordon_the_Moron

If you used the switching service they should definitely refund your charges, and fairly easily to. If not see the MSE article about reclaiming unfair charges.

Dazzieboo

I have just posted on another thread, which I started, saying that NW for reasons best left to themselves delayed my ex husbands payment going in by 3 days, they admitted they had the money, but refused to clear it (never done this before) and today I get the bank statement and they have charged me £190 for the honour of doing it. I hope you get your charges back and have fun banking with them, I feel my 28 year partnership has run it's course.

kay74

thanks for all support. Phoned switching dept at 8am when it opened (they were suuposed to do all the switching), and, like the rude customer service woman when I discovered it on Friday night (when registering for phone bank was told i was £78 overdrawn) was told it was my fault. Pointed out that I had a letter from them stating that direct debits and account switching was taking place today, and that money was in TSB to pay D/D - their letter to companies must have been incorrect. Switching dept v unhelpful - told them was closing account and could they send out envelope for Ombudsman as their service and response was shocking. Was told someone would phone me back from the refund department(!). I asked when as i had to go to work and was told they started work 'between 9 and 10'. What a great job! Anyway told them it is totally unacceptable, is their fault (had to pay whole year insurance so house covered over weekend too) and money is being refunded, but was then told they would be charging me another £28 next month for unauthorised overdraft. Told them no, that will not be happening so woman says she has put it in her diary to ensure that is cancelled 'because the computer can't go onto next month until this ones finished'. Have been customer for 3 days - need a new bank already! Rar.

GSD4ME

I have great sympathy.

I have banked with NatWest for over 30 years and I have had enough now. Recently I paid in a cheque for £5,000 at my own branch and four days later they bounced a cheque I had written out 2 days after I paid the money in. When I complained I also got a very unhelpful "customer service" person and was told I should have paid in the cheque earlier. I pointed out that it is impossible to pay in a cheque until I have received it and their literature says it takes four days to clear a cheque, why was it not cleared? I was charged £38 plus a further £30 for an unauthorised overdraft coused by their charges and all the time on the internet the balance of my account showed as over £5,000.

Their service is appalling, they are simply out to screw their customers.

kay74

you know, the thing is - I am beyond expecting super service from most providers (banks, water company, car garages..you get the picture!). All I want is competency. These people are being paid a wage for an honest day's work, why can't they just do their job in a civil mannerly way. I always try to treat people as i would like to be treated, and if they don't like their job that's not my fault, but if I'm paying for the service I don't think I'm unjustified in wanting it to be courteous and efficient. Plus when things go wrong I just want them fixed! Oh my, now I feel like I must be from the olden days.

Dazzieboo

When I was trying to sort out the missing payment in the first place, the customer service I received from one of my local branches was absolutely appauling :rolleyes: I had been told one thing in one bank and repeated what I had been told and was disbelieved, I told her to phone the other branch to check and she said "customers like you, ruin my day" :mad: I made a complaint there and then on the spot and she stood there laughing.

What really gets my goat about situations like this, is I am a customer service evaluator and you can bet anything you like, when I turn up to test their customer service, they will get 100%, the scenarios are always straight forward, it is when they have problems they don't know what to do and resort to rudeness.