Natwest charges

jetcat

Hi all

I wasnt sure whether to put this on the existing Natwest Technical Issues thread, but in the end decided here, as I am hoping someone can help calm me down, point me in the right direction.

So, as like many many others, I had major problems accessing my money last month. In the end, I had to go into the branch and get a cash advance. They were very lovely and very helpful.

Fastforward to now. My account has only just got about back to normal, meaning that I could repay my ex the £50 he borrowed me (charging interest for the priviledge...) and start putting things right re the couple of returned cheques that happened around that time. I have logged into my bank this morning, and found I am £90 overdrawn, instead of the £60 credit that should have still been there from yesterday. I have had notification that from 12th July charges will start to appear etc - does that mean I have £150 worth of charges?? There is no way I can afford that.

As I had (or thought I had) the £60 in my bank, I was waiting until today to get electric (down to last 30p now), get some petrol and food etc. I cant do any of that now - I have £3 in my purse. I suffer from severe anxiety and depression, and to be honest, all the money worries last month really knocked me for six. It took me till right at the last minute to manage to get down to the branch to ask for help - and I'm not sure I can face that again. In any case, I have no money for petrol/car parking fees to get there. The electric is a problem, as I have mains powered medical equipment that will obviously not work with no electricity.

I know I am rambling, sorry - I have no idea what to do, and am just sitting here shaking. I am supposed to be at hospital this afternoon - but again - no money to get there. Once a week I help out as a volunteer at a local sports club, just to try and get me used to being back around people etc. - I already had to let them down twice last month as I couldnt get there due to lack of available funds, and it looks like the same again today.

Please, does anyone have any idea of what I can do? If Natwest are insisting that I owe this much in charges, can I ask that they be paid in instalments?? Although, looking at the charges, the only thing I can think of that has happend is that they have charged me the daily rate of being overdrawn when they advanced me some money over the counter?

I would really appreciate any help or calming words thanks:o

Consumerist

Firstly, could you confirm whether the account has been debited £150 in charges. If that is the case then NatWest should reimburse those charges if they have been incurred as a result of their system failure. Has the cash advance appeared on the account? Is it the cash advance which has been debited to the account to make the account overdrawn?

innovate

Perhaps best if you call NatWest on0800 656 9639 (freefone) to get answers specific and relevant to your personal situation.

stclair

Call Natwest Lending on 0238 022 6443 press option 2 then option 4 and discuss it with them.

I suspect you may have had a cash advance for funds that was not in your account.

innovate

stclair wrote: »

Call Natwest Lending on 0238 022 6443 press option 2 then option 4 and discuss it with them.

Surely someone strapped for cash (or anyone, for that matter) should be able to call the 0800 number?

Haven't we had enough of people having to pay extra because of that disaster NatWest landed on their customers? Even if there's the odd case now of people having created a mess for themselves, perhaps as a result of the NatWest-induced mess.

NatWest have paid sod all interest to any of their customers in years, have been saved from extinction by tax payers money, and STILL can't offer a general freefone number? !!!!!! are they doing with all our money???? [no response expected, I just needed to have a little rant, and any response would only just remind me of Fred The Shred & Co, and get me angry]

stclair

innovate wrote: »

Surely someone strapped for cash (or anyone, for that matter) should be able to call the 0800 number?

Haven't we had enough of people having to pay extra because of that disaster NatWest landed on their customers? Even if there's the odd case now of people having created a mess for themselves, perhaps as a result of the NatWest-induced mess.

NatWest have paid sod all interest to any of their customers in years, have been saved from extinction by tax payers money, and STILL can't offer a general freefone number? !!!!!! are they doing with all our money???? [no response expected, I just needed to have a little rant, and any response would only just remind me of Fred The Shred & Co, and get me angry]

They can call any number they like that was the only number I know off the top of my head. Plus is geographical number so it can be included in their mobile mins and poss free from there landline depending on there package lol

Put your dummy back in now ��

Consumerist

We're writing to provide you with an update on the technical issues we faced recently.

Where we are now
The original issue has now been fixed and it remains our first priority to continue to help our customers. If you incurred fees or charges as a result of this issue, we will arrange a refund and inform you when this will take place. You don't need to do anything as these refunds will be provided automatically.

We're also working with all the main credit reference agencies to ensure that none of our customers' credit ratings will be adversely affected.

What went wrong?
The problem was caused when maintenance on IT systems in Edinburgh disrupted the regular processing of overnight transactions. It took time to resolve this problem, which in turn created a backlog, so many customers' account balances were incorrect between 19 June and 6 July.

What we're doing to make sure this won't happen again
We have commissioned an independent audit to investigate how the problem arose and we will make all the improvements necessary to ensure it doesn't happen again. We will make the findings public when they become available.

Here to help
You can find the latest information, answers to common questions and help to resolve any outstanding queries, including how you can be reimbursed by visiting Help Point, or feel free to go into any of our branches, or call our 24/7 UK call centres free on 0800 656 9639 (minicom: 0800 404 6161).

Thank you again for your patience and for bearing with us. If you have any questions or there's anything you'd like to know, we're always happy to help.

Yours sincerely,

Chris Popple
Managing Director, Retail Banking

Hope this helps. You should have received this email too.