Natwest

trubster

0845 is not LOCAL rate, it is LO-CALL Rate and is charged at 5ppm, you will be charged a stupid amount (upto 50ppm) from a mobile!!!

You might want to check out www.saynoto0870.com and you can get the 01/02 number from there, and it will be a lot cheaper

farquarpigmix

Update from yesterday,

Promised my £38.00 would be put back in account by end of play. Guess what no £38.00 put back in. I will have to phone back up once again and ask through no fault of my own whats going on?

F.A.O. Liberine, I don't have a over draught the reason mortgage was paid was because funds where there as was the mobile bill funds.

Regards

Farquar

Mark7799

To the OP,

I would suggest you arrange an overdraft to cover you for situations such as this.

farquarpigmix

F.A.O. Mark7799 & Al Mac,

1) The money was in on time. Natwest's ball's up not mine.

2) I don't require a overdraft. Funds are always in on time.

Thank you for your reply's.


Regards

Farquar

Mark7799

farquarpigmix wrote: »

F.A.O. Mark7799 & Al Mac,

1) The money was in on time. Natwest's ball's up not mine.

2) I don't require a overdraft. Funds are always in on time.

Thank you for your reply's.


Regards

Farquar

The money was not in on time - admittedly you said you didn't know NatWest's rules but you were outside their timescale.

Having an overdraft would not have cost you anything and would have saved you what sounds like a lot of grief in this situation.

farquarpigmix

Hi Al Mac,

£38.00 refunded from bank plus cost of calls plus a apology. (Just got of phone)

I do agree that online transfers within the same financial institution should be instant. It was the same wasn't it? Yes Al Mac it was the same. They where happy to pay the mortgage but not the mobile bill. Both transferred at the same time.

Anyway its sorted now got funds returned.

Thank you for all the reply's

Cheers

Farquar

farquarpigmix

Mark7799 wrote: »

The money was not in on time - admittedly you said you didn't know NatWest's rules but you were outside their timescale.

Having an overdraft would not have cost you anything and would have saved you what sounds like a lot of grief in this situation.

Hi Mark7799,

If funds where not in on time why did they pay mortgage? I have been doing this for well over a year and had no problems.

Anyway all sorted now.

Thank you for your reply.

Cheers

Farquar

girltuesday_2

"your ignorance of how the system works, however badly, doesn't make it the banks fault!"

We had exactly the same problem with Natwest's 'before 3:30pm the day before' rule. When we queried it, they said it was in the T&Cs booklet. THREE members of CS staff, the Assistant Manager, and the Manager all searched through the booklet to try and find it, without success. They then refunded us in full because they couldn't find it.

So customers' ignorance of how the system works IS the bank's fault if they don't make the system clear to their customers. What are we supposed to be, mindreaders?

yeslek

i've been lucky with lloyds as if a payment goes out and theres a shortfall, as long as money is transferred the same day i dont get charged

came in handy last month when work did'nt bother paying any of us...thank god i had enough savings to cover everything

YorkshireBoy

girltuesday wrote: »

So customers' ignorance of how the system works IS the bank's fault if they don't make the system clear to their customers. What are we supposed to be, mindreaders?

It's not exactly hidden away is it?...

NatWest Personal Banking - Terms and Conditions

Section 1b

Operations on the account

• You must always ensure that the cleared balance (plus, where
applicable, any unused agreed overdraft facility) on your account at
3.30pm on the working weekday before the day:

– cheques you have issued are presented for payment
– standing orders and direct debits are due to be paid
– you withdraw money from a cash machine
– you carry out a Maestro or Solo transaction
– you request us to make payments by any electronic means or by
telephone
– any other transactions are due to take place, including the
application of interest and charges, is sufficient to cover payment
of all these transactions.

• If a sufficient cleared balance (plus, where applicable, any unused
agreed overdraft facility) to cover payment is not available on your
account by 3.30pm on the working weekday before the day on which
these transactions are due to take place, payment of some or all of the
transactions may be refused.