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natwest 'helpful banking' - oh the irony

brightonman123
brightonman123 Posts: 8,535 Forumite
Part of the Furniture 1,000 Posts Combo Breaker
in Budgeting & bank accounts
Their HB team not on duty today, just when I needed to arrange a temporary overdraft.. calling first thing tomorrow would be too late..

And here's me, thinking i was doing right thing, sortig funding in advance.

And their £6 per DAY unauth o/d charges just doesnt make it worth going over..
Long time away from MSE, been dealing real life stuff..
Sometimes seen lurking on the compers forum :-)
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Comments

  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    maybe this should be in the rants section!

    just hope some standing orders due out tomorrow get cancelled in time.. gas man can wait!!
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
  • stclair
    stclair Posts: 6,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I work in lending and refuse to work Sundays lol

    Even if the overdraft was applied on Monday you would not be able to use it until Tuesday.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    so much for 24/7 banking!
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    Perhaps you should have acted sooner.
  • brightonman123
    brightonman123 Posts: 8,535 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    had some unexpected costs this weekend..
    Long time away from MSE, been dealing real life stuff..
    Sometimes seen lurking on the compers forum :-)
  • JuicyJesus
    JuicyJesus Posts: 3,832 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    edited 7 July 2013 at 2:52PM
    In fairness to the OP, RBS/NatWest are one of the only banks (if not THE only bank) to not apply approved overdraft requests the same day. Everyone else I've been with, any OD limit they've agreed has been applied instantly. Even utter berks like Alliance and Leicester (back in the day) could do this better.

    On this I have to disagree with you o4u, OP did the responsible thing by attempting to discuss borrowing with the bank before doing it, but ran up against the fact that RBS Group's systems are a pile of sh*te that appear to be held together with sticky tape and Blu Tack. HSBC, Barclays and Lloyds are light years ahead.
    urs sinserly,
    ~~joosy jeezus~~
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I agree, NatWest suck when it comes to applying for overdrafts. It's also a pain when abroad and your card is blocked and the fraud department are closed.
  • JuicyJesus
    JuicyJesus Posts: 3,832 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    TheEffect wrote: »
    I agree, NatWest suck when it comes to applying for overdrafts. It's also a pain when abroad and your card is blocked and the fraud department are closed.

    That's seriously stupid. Why have opening hours for the department which deals with people in a variety of different time zones and who could therefore conceivably call at any hour?

    NatWest are the pits.
    urs sinserly,
    ~~joosy jeezus~~
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    JuicyJesus wrote: »
    That's seriously stupid. Why have opening hours for the department which deals with people in a variety of different time zones and who could therefore conceivably call at any hour?

    NatWest are the pits.

    There's also other things that I don't quite understand with them.

    For example, if you set up a direct debit, it's not actually shown on Internet Banking until the company has collected at least 1 payment.

    I added my bank details to PayPal. After two weeks of wondering why the direct debit had not been set up, I found out it was because they hadn't requested any money yet.

    Bit of a security flaw IMO, as you wouldn't notice any fraudulent direct debits until they've been debited.
  • reclusive46
    reclusive46 Posts: 2,698 Forumite
    JuicyJesus wrote: »
    That's seriously stupid. Why have opening hours for the department which deals with people in a variety of different time zones and who could therefore conceivably call at any hour?

    NatWest are the pits.

    Anyone who uses their Natwest/RBS card abroad is seriously stupid anyway with the foreign transaction fees :P
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