Has your bank closed your account?

stuartjp_2

im no expert but personally id tell them that and once i have the charges back id happily go else where and untill i get my charges back your stuck with me as i cant afford to give your money back, give me whats rightfully mine and ill square you out and be off somewhere else,
may or may not help
and yeah im a jerk lol

2cats_2

Thanks stuartjp I think we will both be phoning them tomorrow morning, will post how we get on!!

linds80

RBS
Hi everyone, not sure if I'm looking in the right place but can anyone tell me if RBS are closing down ACs if you claim charges. I have loan and sizeable OD with them and charges are (only!) £750 and I'm wondering whether it's worth the risk in my position?

Any advice most appreciated

Twinkly

2cats wrote: »

....but 2 days ago he received a letter stating that they were going to close his account, which is currently £307 overdrawn, apparently according to the letter they have written to him (not so as confirmed during a telephone conversation, but they had had sent 2 text messages to a wrong mobile number), where do we stand with this it does not seem fair, can we take it to the Financial Ombudsmen? ..

Thanks for any help

Yes you can complain to the FO about this. Closing accounts is being used as an intimidation ploy. Hardly effective if you arent bothered about it closing but it is subject to complaint nonetheless.

The two texts sent to the wrong mobile number intrigues me. Was the wrong number his (some of us use a couple of numbers for different purposes) or someone elses ? If it was someone else's altogether this is a serious breach of confidentiality and also subject to complaint.

esmerellda

2cats - the account is in dispute as you are claiming - therefore the bank will be breaching the banking code which they subscribe to, especially if they default you....the account should be on hold until the dispute is resolved.

oh so YES complain to the FOS

2cats_2

Thanks for your help Twinkly and esmerellda, I will definitely be complaining to the FOS.
Twinkly the texts went to an old number that he hasn't had for about 2.5 years, what troubles me is that we have had the same house phone number so why didn't they try contacting him that way? I just think they are using it as an excuse to get rid of him.

Twinkly

2cats wrote: »

Thanks for your help Twinkly and esmerellda, I will definitely be complaining to the FOS.
Twinkly the texts went to an old number that he hasn't had for about 2.5 years, what troubles me is that we have had the same house phone number so why didn't they try contacting him that way? I just think they are using it as an excuse to get rid of him.

If he had updated his contact details with the bank and they were aware he could not be contacted on that old number then yes I have to agree with you there and would include that in the complaint. Good luck

Elixir

I had my account closed last year and Im still paying off an overdraft there (Natwest), can I still claim bank charges?

Paul_Herring

I had my account closed last year and Im still paying off an overdraft there (Natwest), can I still claim bank charges?

Yes you can. You can go back up to 6 years, regardless of whether the accounts concerned are open or not.

Elixir

Cool, thanks. I best get studying all this reclaiming lark then.

Bit scary, LOL