RBS Account Opening Issue

MoneySaverForever

That sounds like a horrible thing to do! I'm just glad it's never happened to me. If they don't want your custom, think about looking else where xxx

chambta

Generally speaking accounts are closed when discrepancies are found in the application, ie address history.

Pink_Floyd_2

chambta wrote: »

Generally speaking accounts are closed when discrepancies are found in the application, ie address history.

Would it not make more sense to query this than just close the accounts, especially if you're an existing customer? I'm sure I'll be welcomed with open arms into the branch manager's office to have tea and biscuits on Monday when I go to complain.........

chambta

Pink_Floyd wrote: »

Would it not make more sense to query this than just close the accounts, especially if you're an existing customer? I'm sure I'll be welcomed with open arms into the branch manager's office to have tea and biscuits on Monday when I go to complain.........

I agree and I've managed to help customers re-open accounts in the past.

Dr_Cuckoo3

In your first post you say that you were given sort and account numbers for the savings account and current account "upgrade" and the accounts appeared online the following day



In your second post you say "will they close the key account too" - so you didn't "upgrade" your key account but applied for a separate current account



It is unusual to be given the account number instantly for current accounts when applying online to this bank and unusual to be given an account number without signing the form they send you for current accounts

Has anyone else been given an account number instantly for a RBS / Nat West current account applied for online ?


Try sending a small amount (eg 1p) to the account to see if it is open - you will soon find out if it is not


Try the "activate debit card" link in internet banking

jen245

Has anyone else been given an account number instantly for a RBS / Nat West current account applied for online ?

When I applied for my Natwest current plus account, It took about 10 days for me to get my account number and sort code, after sending back the signed paperwork, and I applied online, and was an exisiting customer with a savings account. So not in my experience, not sure if its different for RBS accounts

James129

Dr_Cuckoo3 wrote: »

In your first post you say that you were given sort and account numbers for the savings account and current account "upgrade" and the accounts appeared online the following day



In your second post you say "will they close the key account too" - so you didn't "upgrade" your key account but applied for a separate current account

With RBS/Natwest, upgrading key/step account means a brand new account with different account number and sortcode. You can then ask bank to cancel your key/step account.

Dr_Cuckoo3 wrote: »

Has anyone else been given an account number instantly for a RBS / Nat West current account applied for online ?

After keeping step account for just over 3 years, when I applied online to upgrade my account to current plus, I was given account number and sort code for new account immediately. I also had applied for ISA account at same time, so was given both sortcode and account number for that account as well.

However, it took couple of days for these details to appear on my online banking, and I was yet to recieve welcome pack. So I knew my application was successful.

Pink_Floyd_2

Just to clarify, when you apply through RBS's digital banking it is a very quick process. It pre-fills most of the form for you. After this you are asked for your preferences for a cheque book, statements etc.

It then runs what appears to be a credit check and lets you know if you are successful. In my case I was successful and given sort code and account numbers and encouraged to start using these ASAP for wage deposits and direct debits. I'm assuming by applying in this way the agreement is based on a online signature or proof, much like a mobile contract, or certain CC companies.

That aside, to send someone a letter in which you are told "your application has been fully processed and your account is now open" is misleading if they are still carrying out checks that could prevent the issue of the account.

As I've said previously I have no issue with a bank denying a customer an account due to status. I do however take issue with them opening an account, sending out all the conformation letters etc and then closing it without warning for no reason. I say no reason as I've yet to be given one verbally, or in writing. I can't say I've broken the T&Cs as I haven't even used the accounts!

stclair

This post maybe of use to you Pink Floyd.

http://forums.moneysavingexpert.com/showpost.php?p=41436750&postcount=63

Pink_Floyd_2

stclair wrote: »

This post maybe of use to you Pink Floyd.

http://forums.moneysavingexpert.com/showpost.php?p=41436750&postcount=63

Thanks for the information. I do have a couple of issues on my credit report. I did not however, fail to disclose anything I was asked and everything was completely factual.

I spoke with my branch manager this morning. She has seen this before and was sympathetic given how far things had gone, in fact today I've received a pin for my debit card. I wonder if it will turn up? :rotfl:

She did ask about my credit file, and again I was honest. She agreed that negative information would have most likely have been the reason. However in her opinion all of this should be checked before ever getting as far as issuing account numbers and in my case pin codes! Especially as I was honest in my application. In fact I couldn't have been any more honest as 95% of the information was taken from their records anyway.

I have to commend the manager as she offered use of her telephone to change any direct debits and payments back to my key account. In addition my account was credited by £20.00.

So not a nice situation really. I'd urge anyone thinking of heading down the Natwest/RBS route to carefully consider it. Even for a basic account. Not only will you have another footprint on your credit report, but you might just have an account taken away before you've ever used it.