Creating new Natwest with ILR Biometric

stclair

BRIANCARSON wrote: »

so in that case are you claiming I made this up ?

are you claiming that the letter sent out was false ?

here is the proof that I dont tell lies

that has been in place for several years and up to now has not been a problem.

its clear that the T&Cs may have been changed since I first opened the account but that is not my problem

all I know is for some unknowing reason Natwest are taking away all the facilities that came with the account and replacing it with a ATM card with no other facilities

or are you claiming I made that up as well ?

Calm down.

Know one has said you've made anything up.

You must have a really old account or have had the account a very long time.

The bank originally allowed DDs on the first reserve account a very long time ago. Then they after a certain date they changed it so DDs was permitted on the account.

At no point have dates been discussed therefore I will speak of how the policy is now. However as things are constantly changing dont be surprised if you get get told you can not have DDs on the account in future.

BRIANCARSON

stclair wrote: »

Calm down.

Know one has said you've made anything up.

You must have a really old account or have had the account a very long time.

The bank originally allowed DDs on the first reserve account a very long time ago. Then they after a certain date they changed it so DDs was permitted on the account.

If you take the time to read the T&Cs now it clearly says DDs are not permitted on the account.

you still cant get it right

you wrote ' The bank originally allowed DDs on the first reserve account a very long time ago. Then they after a certain date they changed it so DDs was permitted on the account. 'when I suspect you meant to say it was not permitted on the account.

now why would I bother reading T&Cs ' that don't apply to me' ? and how would I know they did not apply to me ?

it was not all that long ago - as I only switched to Virgin in October 2009 and why would I continue with a account that has changed so radically ?

It was you that claimed ' incorrectly ' that I was not allowed a d/d when clearly I do have a d/d .

I have know idea why Natwest are removing the debit card function

so why chop and change ?

stclair

BRIANCARSON wrote: »

you still cant get it right

you wrote ' The bank originally allowed DDs on the first reserve account a very long time ago. Then they after a certain date they changed it so DDs was permitted on the account. 'when I suspect you meant to say it was not permitted on the account.

now why would I bother reading T&Cs ' that don't apply to me' ? and how would I know they did not apply to me ?

it was not all that long ago - as I only switched to Virgin in October 2009 and why would I continue with a account that has changed so radically ?

It was you that claimed ' incorrectly ' that I was not allowed a d/d when clearly I do have a d/d .

I have know idea why Natwest are removing the debit card function

so why chop and change ?

When the bank change there T&Cs they apply to everyone not just certain customers.

The bank have not allowed DDs on the First Reserve account for a while now. The account is not even available to new customers.

As it stands now and has been for a while DDs are not permitted on the First Reserve account you can view page 22 for carification:

http://www.natwest.com/content/global_options/terms/Terms_Conditions.pdf

The bank have stopped debit cards on the account due to the reason detailed in the letter you have been sent. I also suspect the other reason is customers was using the account to get round the ATMs restrictions on the basic account.

So just to summarise:

• Direct Debits used to be allowed on the account and will continue on the account until told otherwise
• Direct Debits was then not permited on the account to new DDs set up after a certain date.

stclair

BRIANCARSON wrote: »

its in the letter Customers will only have a ATM card - you have to move your D/D's to another account.

just now I have a Visa debit card which I can use online to buy goods - from august they replace the Visa debit card with a ATM card

why I don't have a clue all I know is its a right hassle

Also the letter does not mention direct debits however it does mention recurring payments which are both different payment methods.

BRIANCARSON

stclair wrote: »

The bank have not allowed DDs on the First Reserve account for a while now. The account is not even available to new customers.

The bank have stopped debit cards on the account due to the reason detailed in the letter you have been sent. I also suspect the other reason is customers was using the account to get round the ATMs restrictions on the basic account.

So just to summarise:

• Direct Debits used to be allowed on the account and will continue on the account until told otherwise
• Direct Debits was then not permited on the account to new DDs set up after a certain date.

it was you that dived in

and really what it says is of no interest to me as ' I was offered one product ' and now its going to be a completely different product.

your first post was clear enough 'Direct Debits are not permitted on the First Reserve account: Taken from the T&Cs - 12.3 Standing Order and Direct Debit payments are not permitted on your account.'

anyone looking at that post would assume I had made things up - its only when I sent proof have you varied your comments.

You also stated ' The bank originally allowed DDs on the first reserve account a very long time ago ' and now you have changed this to ' The bank have not allowed DDs on the First Reserve account for a while now ' you only changed this as I can prove it was set up October 2009.

Customers were not trying to get around anything - we were offered a account and we used it - where is the crime in that ?

I have the exact same savings account with Halifax and they have not changed anything.

At least the Halifax account is worth keeping but the reduced function of the First Reserve account is not.

stclair

It depends how you define a very long time ago.

To me personally 3 years is a very long time ago.

As the DD was set up in 2009 we are in 2013 now.

A very long time ago & a while now equals the same to myself without being pedantic.

The upshot of it all is you will just have to accept the account type product has now changed clearly not to your liking.

If you not happy with that then there are other banks on the high street that can offer better products than Natwest.

Barclays offer a good cash account if you have a naff credit history. Maybe you could expolore other avenues.

stclair

PS no one has said you was using a loophole however the account has been used as a loophole by many customers to get round ATM restrictions hence one of the reasons for changing it however the bank will not say that in so many words.

BRIANCARSON

stclair wrote: »

If you not happy with that then there are other banks on the high street that can offer better products than Natwest.

Barclays offer a good cash account if you have a naff credit history. Maybe you could expolore other avenues.

you presume things don't you ?

I am retired so I prefer to use savings accounts than a credit card hence why up to now that savings account suited me.

I don't have a naff credit history - in fact there is no recent credit history as the last time I had a credit card was well over 20 years ago.

it was handy having two savings accounts so I could keep track of things.

stclair

BRIANCARSON wrote: »

you presume things don't you ?

I am retired so I prefer to use savings accounts than a credit card hence why up to now that savings account suited me.

I don't have a naff credit history - in fact there is no recent credit history as the last time I had a credit card was well over 20 years ago.

it was handy having two savings accounts so I could keep track of things.

The key word was "if" in my last post.

Yorkshire Bank offer a savings account with a debit card.

http://www.ybonline.co.uk/personal/savings/everyday-instant-access-accounts/instant-savings-account/

It a business decision to scrap the debit cards and I cant see them overturing it.

Very odd as they have offered them since the accounts first started however I understand its due to the reasons previously mentioned.

Which Halifax savng account offers a debit card? just so other posters are aware other savings products are available.

tyw7

Is there ANY bank that offer Debit Card for saving accounts?

Update: Also, I have given him a letter from Home Office that came with the biometric card stating that biometric card is issued in place of the visa stickers.