Natwest step account closing

chambta

jalexa wrote: »

Well possibly OTT. But isn't it the case that it is true that the only "upgrade workflow" is to Select Silver (or higher), whether from Select or Step (or Basic). Or to put that another way there is no "upgrade workflow" from Step (or Basic) to Select.

What you say about applying is right, but the poster doesn't present evidence that that route was suggested by the adviser. Which is a view "corroborated" in other posts.

I consider the Natwest/RBS position on this "sharp-practice" especially given that a successful "upgrade" (to a fee paying account) doesn't even appear to result in a full function "purple" debit card contrary to the very clear product information contained in pages 6,7 & 8 of the Natwest (&RBS) Current Account brochures dated July 2011 and currently on display in branches.

Double "sharp-practice" IMO.

I've worked for RBS since 1999 and have no idea what you mean by 'upgrade workflow'.

Twister84

If you don't pre-assess for the account, you won't be able to upgrade your Basic account.

And likewise if you don't pre-assess for the account, you won't be able to open a brand new one either.

chambta

Twister84 wrote: »

If you don't pre-assess for the account, you won't be able to upgrade your Basic account.

And likewise if you don't pre-assess for the account, you won't be able to open a brand new one either.

You don't need to pre-assess to get a full account approved. Very few actually do but many more can.

jalexa

chambta wrote: »

I've worked for RBS since 1999 and have no idea what you mean by 'upgrade workflow'.

That is very telling that you can't fit my use of words to the upgrade functionality evident to anybody who visits the RBS website (and described by the poster you diss'd with your "frankly ridiculous" comment.

Unless of course you don't understand "upgrade functionality" either.

Telling also that you prefer to "nit-pick" words rather than comment on (allegedly) the practice to (only) offer "basic account" holders upgrades to Select Silver (and not to Select).

And (though I was not aware of your "RBS provenence" a few posts ago), telling that you described a previous poster's contribution as "frankly ridiculous".

Is the "frankly ridiculous" contribution "accurate" or not?

chambta

jalexa wrote: »

That is very telling that you can't fit my use of words to the upgrade functionality evident to anybody who visits the RBS website (and described by the poster you diss'd with your "frankly ridiculous" comment.

Unless of course you don't understand "upgrade functionality" either.

Telling also that you prefer to "nit-pick" words rather than comment on (allegedly) the practice to (only) offer "basic account" holders upgrades to Select Silver (and not to Select).

And (though I was not aware of your "RBS provenence" a few posts ago), telling that you described a previous poster's contribution as "frankly ridiculous".

Is the "frankly ridiculous" contribution "accurate" or not?

What on earth are you on about?

Twister84

chambta wrote: »

You don't need to pre-assess to get a full account approved. Very few actually do but many more can.

That's what we've been told by Retail Banking team who look after the credit scoring side of things, and unfortunately, it is correct.

New connections (and customers with 0 PAL IIRC) will approve without problems because they don't have a PAL screen.

With the new CAO, if you don't pre-assess, you won't get it, and so you will only be offered the Basic & Select Silver without facilities. (This also includes customers with business links where the PAL can't be seen)

Twister84

chambta wrote: »

You don't need to pre-assess to get a full account approved. Very few actually do but many more can.

The ones that a full account is approved for, usually will pre-assess for that type of account or higher. You can also upgrade a Basic account if the customer pre-assesses for another, whereas you couldn't with the old Step/Key.

CHEEKYBOY67

spingoblin wrote: »

i have had my select account for two and a half weeks after having a step account run with no problems since since april 2008 (i recieved an email yesterday about my step changing to basic on nov 22 but thats another story), anyway - after applying and being accepted on aug 30th i have had the 'welcome to natwest' info pack, debit card (blue) etc - is there still a chance they could turn me down despite having these?

hi, Ive tried the upgrade from step account to select account option, got accepted online.. not sure i will get it though after reading this thread.. how long did it take them to send you the info pack etc?

cheers

spingoblin

CHEEKYBOY67 wrote: »

hi, Ive tried the upgrade from step account to select account option, got accepted online.. not sure i will get it though after reading this thread.. how long did it take them to send you the info pack etc?

cheers

tuesday evening 30th August - applied online and notified I was accepted for select account and given account number.

the new account showed within online banking on the thursday 1st september.

letter arrived saturday 3rd september confirming account details and included a couple of brochures (t&m's etc).

tuesday 6th - pin number arrived

wednesday 7th - debit card arrived.

monday 12th-ish - a cardboard package arrived with more info brochures including an 'essential guide to your new account' booklet'.

my account is still open so as st.clair has said i'm probably safe to assume it's gonna stay open.:D

CHEEKYBOY67

spingoblin wrote: »

tuesday evening 30th August - applied online and notified I was accepted for select account and given account number.

the new account showed within online banking on the thursday 1st september.

letter arrived saturday 3rd september confirming account details and included a couple of brochures (t&m's etc).

tuesday 6th - pin number arrived

wednesday 7th - debit card arrived.

monday 12th-ish - a cardboard package arrived with more info brochures including an 'essential guide to your new account' booklet'.

my account is still open so as st.clair has said i'm probably safe to assume it's gonna stay open.:D

Oh right I see, I got accepted online but didn't get an account number, nothing showing up online either. Looks like I've not got if, did you get your account number as soon as you got to the accepted screen?