natwest select silver account

older_wiser

thanks willo65 for the clarification and yes even i understand the various different accounts now. cheers

you beat me to it automan lol

jalexa

willo65 wrote: »

I understand your response is likely to be "can you point me to this in the literature" ...

You understand correctly, but it seems your answer is no.

but it isn't in there.

Ah, thought so.:)

I know this is how it is so you can either believe me or not...

That is how one or two "unhappy" people see it, "conned" as I explain it, or £8/month to allow "Basic account qualifiers" Link access, as it has also been explained.

but your comments on advertising standards are ridiculous and another unfounded conclusion you have made.

Well I am waiting to see if anybody posts the "exact" wording of the debit card offer they received.

But you have admitted the debit card differention is not described in the product literature ("it isn't in there"). Whether that is a "founded" issue for the ASA is a "complaint" I am entitled to make and for the ASA, not you, to adjudicate. The key evidence is the colour of the card in the product literature.

You seem determined to make petty personal points to the exclusion of issues, in this case that people, if not in this thread but the original (related) thread, report being "induced" to upgrade to Select Silver (because "free" Select is not an upgrade product) but don't get a debit card suitable for Pay@Pump or on train use. But are nevertheless charged £8/month for the privilege:( and liability for unauthorised overdraft charges of £6/day:(. Unless you are saying an "unwritten rule" says no daily charges?

You post a "bank apologist" view, from your "I know this is how it is" an inside view, but actually a contempt for Basic Account qualifiers.

Funny that, just like the banks.

jen245

On my paperwork it says " card type - debit card with cheque guarantee facility" (my current account was opened last year) so i would imagine it would say something along the lines of "card type - debit card without cheque guarantee facility" Which is exactly what the customer will receive. I appreciate the wording may have changed since the abolition of CG scheme, so I am just going by what my own paperwork states

The leaflet I got with my cards (I have 2 leaflets, one I got with my first reserve card when it changed from Solo, and the other with my current account card) states, and this is also published on the website -

"If your Visa Debit card replaces a Solo card (and begins with the numbers 4751 27 or 4751 28) this cannot be used in unattended Point of Sale terminals. This card type can only be used at a retailer or supplier of services where they can authorise the transaction with us at the time of the transaction being made and self-service terminals, such as those on trains or at petrol pumps, cannot perform such an authorisation."

So customers are informed of the limitations of the card, if they are not happy with it, they can choose to close their account.

willo65

jalexa wrote: »

But you have admitted the debit card differention is not described in the product literature ("it isn't in there"). Whether that is a "founded" issue for the ASA is a "complaint" I am entitled to make and for the ASA, not you, to adjudicate. The key evidence is the colour of the card in the product literature.
.

I don't believe I have seen any advertising for an all singing all dancing card being available to all card holders. In the t's and c's it does state cards starting 4751 27/28 cannot be used unless the retailer can Authorise the transaction with the bank at the time it is being made.

In the account confirmation letter I believe it states "visa debit card" which regardless of any limitations on the card a visa debit is what the bank will issue.

jalexa

jen245 wrote: »

O
"If your Visa Debit card replaces a Solo card (and begins with the numbers 4751 27 or 4751 28) this cannot be used in unattended Point of Sale terminals. This card type can only be used at a retailer or supplier of services where they can authorise the transaction with us at the time of the transaction being made and self-service terminals, such as those on trains or at petrol pumps, cannot perform such an authorisation."

So customers are informed of the limitations of the card, if they are not happy with it, they can choose to close their account

Thank you for a generally helpful post, however the situation for new customers cannot be be described by "If your Visa Debit card replaces a Solo card (and begins with.." because it is not a Solo card being replaced.

Of course the customer can "choose to cancel" or "choose to close" but that is hardly the issue. It is clear from posts that some customers have been uncertain about the product provided (and the reasons why). Hardly surprising given the relative prominence of the "purple" photograph compared with what the offer "small print" may or may not say, and given that the small print needs to be understood by a lay person.

Any customer so affected should simply request "purple" and if declined raise a formal complaint citing the prominance of "purple" on the product literature and the complete absence of pre-sales clarification to the contrary. The complaint oucome may (or may not) satisfy but it will at least be a written record of policy unlike the unsatisfactory, unwritten state of affairs.

And in spite of your helpful post we still don't know the *exact* small print wording for current offers.

auto-man

what about this http://www.rbs.co.uk/global/visa/g1/common-questions.ashx or this http://www.rbs.co.uk/global/visa/g1/common-questions.ashx

To be honest, it does suggest that unless you have a basic account then you'll get a full card. It just doesn't spell it out, but is worded as such that it suggests it.

jen245

Those links state this -



My card does not work in self-service petrol pumps, why is this?

If your Visa Debit card replaces a Solo card (and begins with the numbers 4751 16) this cannot be used in unattended Point of Sale terminals. This card type can only be used at a retailer or supplier of services where they can authorise the transaction with us at the time of the transaction being made and self-service terminals, such as those on trains or at petrol pumps, cannot perform such an authorisation

Same as on the Natwest website, and same as the leaflet I received. The type of account doesnt matter, as these cards are issued on both Select and Select Silver.

And Jalexa, my current account was a brand new account, not a replacement for Solo or Maestro, and I still received the same document, and as posted above, it is on both the Natwest and RBS websites

auto-man

jen245 wrote: »

Those links state this -

If your Visa Debit card replaces a Solo card (and begins with the numbers 4751 16) this cannot be used in unattended Point of Sale terminals. This card type can only be used at a retailer or supplier of services where they can authorise the transaction with us at the time of the transaction being made and self-service terminals, such as those on trains or at petrol pumps, cannot perform such an authorisation

what you have quoted again only shows that they are implying that if you do not have a solo then you'll not get this type of card, which is wrong. If I apply for a full account and got a basic card I would moan at bank cos as a new customer, id not have a solo to replace so i'd expect the full card. If I fail full card they should offer basic account cos the cards are what give credit, not the account type. a cashcard and chequebook used to be worthless a chequecard and chequebook was worth £3000 if you see what i meaning

jen245

The Visa debit cards beginning 4751 27/28 and 16 for RBS, did replace Solo cards, which used to be issued on the Step/ Key and Current Plus accounts (for those who didnt qualify for Maestro) before the Visa debit changeover. Solo was issued on all of those accounts, and if it wasnt changed to Visa, then they would be issued on the Select and Select Silver, and you'd all be moaning that you have a crappy Solo card. If your Visa debit card begins with these numbers, you cant use it in pay pumps, simple.

jalexa

jen245 wrote: »

If your Visa Debit card replaces a Solo card (and begins with

Yes but my specific rebutal of your quote was only that the clause subject "...replacing Solo.." and the related secondary clause (in brackets) "...and begins...". (Note: "and" not "or").

That clause (as written and quoted) is not applicable to a new application nor to existing (already updated from Solo) "blue" debit card holders.

There is a secondary "bank apologist" argument that the account particulars say "a visa debit card will be provided" and "that is what was provided" (chum), but that is not (my) issue which is that the product literature prominently displays a "purple" card not a "blue card". A fair and compliant product literature requires a "purple" and "blue" card and a description of the differences.

Following on the heels of loss of Basic Account Link, this "dancing on a pin" is "lose lose" for Natwest/RBS. They can save themselves or perhaps HBOS will save them on Monday. Or maybe not.