Natwest First Reserve

jen245

Twister84 wrote: »

Please could you quit using CAPS in your posts? It is seen as shouting...if you need to highlight something, make it bold/italicize it.

Now bank on topic...

In my defense, I come from an RBS background and no savings accounts ever came with a Visa Debit. From a banking point of view, I completely agree with this. Also you make recall sometime last year, after a long time, they stopped customer from setting up direct debits & standing orders from savings accounts. This was to encourage saving, which is what the account is for.

Secondly, I am not customer facing and I'm not required to be knowledgeable about such accounts.


As for your other comment regarding the description on the Natwest website, it states:

Cash machine withdrawals – with an optional debit card you can get your money at cash machines displaying the logo shown on your card


See how the fact that it is a Visa Debit card is not being promoted? I would personally see that as a feature of the account, yet it is not listed in the benefits. I wouldn't be surprised if they eventually phase it out.


Lastly, Step accounts can be opened if you have been discharged from bankruptcy, so I'd open it in person if you wish to, and take your discharge documents with you.

Whatever, you were wrong, admit it and move on.

And as for them withdrawing the debit card, they had the opportunity to do that when they got rid of the Solo card, so I think its very unlikely.

buxtehude_2

I tried to open a NW First Reserve, and tried it in my local branch (Dartford), there was a kerfuffle, and I had to ring an 0131 number, and spoke with someone up in Edinburgh (I presume RBS, rather than NW), and he clarified my previous addresses - then, I went to another near-by branch (Orpington), and tried again to open an FR account, and the card and PIN arrived, but I wasn't on the system, and the girl (pretty dippy, I have to say), said the account was ''just closed''.

Bemused, after having given the DHSS these new a/c details, she said: ''we don't know why''

However, as this wasn't credit checked, then, surely, there wouldn't have been a problem...

Thanks

now

I have spoken to the Natwest who have confirmed that it is a debit card, it can be used in shops to buy goods, you can pay in cheques and money at the branch.

The Yorkshire Building Society only allows internet payments and comes with a cash card to allow you to get your money out.

jen245

buxtehude wrote: »

I tried to open a NW First Reserve, and tried it in my local branch (Dartford), there was a kerfuffle, and I had to ring an 0131 number, and spoke with someone up in Edinburgh (I presume RBS, rather than NW), and he clarified my previous addresses - then, I went to another near-by branch (Orpington), and tried again to open an FR account, and the card and PIN arrived, but I wasn't on the system, and the girl (pretty dippy, I have to say), said the account was ''just closed''.

Bemused, after having given the DHSS these new a/c details, she said: ''we don't know why''

However, as this wasn't credit checked, then, surely, there wouldn't have been a problem...

Thanks

They don't credit check you, but they do fraud and ID checks, so it sounds like something has flagged up when they have searched you that they don't like

kepar

jen245 wrote: »

You can transfer money in from any account. I have my current account with Natwest aswell, but also have Halifax accounts which I transfer money from, into my first reserve account

Jen are you br, because I thought the Halifax was totally anti bankrupts.

dojoman

kepar wrote: »

Jen are you br, because I thought the Halifax was totally anti bankrupts.

She cannot be bankrupt, otherwise she would not have a current account.

kepar

That is what I mean, her comments about able to do this or that is pretty irrelevant if you are or have been br

dojoman

kepar wrote: »

That is what I mean, her comments about able to do this or that is pretty irrelevant if you are or have been br

Very true......

now

http://www.thinkmoney.com/banking/bad-credit-bank-accounts/

Anybody come across these? the are or seem to be backed by the Newcastle Building Society and RBS although not owned by them

You pay a set fee every month, they move enough money into your bill account and leave the rest free for you to spend, might be OK for those on here who seem unable to get a bank account.

Ineedaname

They cropped up on a thread recently and are BR friendly. Although I don't see the need to pay a fee when Barclays and Co-op provide free BR friendly banking.