NatWest call regarding my account

williamD1964

Just had a call from "Jackie" from NatWest, wishing to talk to me about my account. As well all the usual questions such as account details and address, she wanted me to go into deatails such as how much I spend each month on food bills, personal spending which I found incredibly intrusive. She then listed my direct debits, current withdrawls and my overdraft. She also asked about my credit card bills. At this point I stated that I was not interested in a consolidatory loan thinking that was what she was going to offer me. I stated that like many people I was managing my budget and would in time get to pay off and reduce the overdraft as soon as I was able. Then she hit me with "Well, I see that have had your overdraft for sometime now, and you are continueing to use it to it's full amount. I think you need to start bringing it down as you appear to be living beyound your means". I did ask if it meant that the bank were looking to arbitrarily reduce or withdraw my overdraft to which she didn't reply. I then stated that I thought that she was she being intimidating in her manner and her line of questioning was threatening, and that I intended to go into the branch and speak to someone about this.

davetrousers

OK thanks for the info.

tbourner

Our Nat West accounts don't have overdrafts, but I get called into Lloyds every year or so to 'discuss my situation' with one of their 'financial team'.