Re: Bank Account Which When Overdrawn Isn't Showing as a Negative Balance

John1993_2

HelenMiddlemas wrote: »

Do I gather you are trying to say because we are just a normal working class family, longing for pay day each month, we get a bank account to match?

That's not bad advice. If you aren't able to manage your account adequately then a basic bank account could well be better for you.

It's nothing to do with being working class; plenty of working class people are willing to put in the effort to keep on top of their finances. If anything, spending money that you don''t have, without arranging a proper loan first is more associated with the upper classes than traditional working class. Working class tend to understand the value of money, and keep a proper eye on how much they have.

You do rather seem to want to blame other people for something that was 100% your fault, by the way. You may not want to take responsibiity for your actions, but as you've seen, it can have negative outcomes for you.

mgdavid

HelenMiddlemas wrote: »

Really don't want to change banks. Can't stand Barclays. They go totally against my ethics and all of my beliefs! Sorry. And they are 40 miles away from where I live, so even if I did agree with them they are to far away.
Really all I wanted to know is should my bank be showing a 'true' balance whether in debit or credit. There has got to be something in 'Banking Standards' but I can't find anything. It did used to until February! Really frustrating.
Thanks to everyone for their input

You seem to have high ideals and principles. Unfortunately these come at a price, it seems you are going to have to learn to manage your money to stay in credit.

cdotr

So just to be clear is it both your available and your current balance showing 0.00?
I suppose if they have no fix for the issue and you are not in a position or willing to move banks you will just have use telephone banking and ATMs to check your balance, do they offer text alerts for when your balance is low?

I assume you do have a right to know if you have gone overdrawn, but Natwest are offering multiple ways of you checking it i suppose. Not everyone relies on mobile/internet banking and will successfully check and run their account based on ATMs and good old fashioned account planning on what is going in and out account!

Hope it gets fixed anyway