direct debit indeminity claim on closed natwest account, help??

arshed786

i previously had a natwest account since 2003 but natwest decided to close my account around 2012. upon closer inspection of the whole account transactions iv realised there is a number of direct debits in 2010 which i have no knowledge off.

so i took the info to the branch and they simply said that because the account is closed they cannot do anything. is this correct?? as i dont beleive this to be true because direct debit guarantee is indefinate and the suspected fraud happened while my account was open.

please sumone help :(

grumbler

arshed786 wrote: »

... i dont beleive this to be true ...

Neither do I.

However, FOS think that you are supposed to check your statements more regularly than every 2-3 years:

The payments had been coming out of Mr C’s account for many years and he received statements every month, so he had ample opportunity to spot the mistake and notify the bank. In the circumstances, we did not think it reasonable to require the firm to refund the payments as he had requested.

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm

Archi_Bald

arshed786, do you think the reason for closure in 2012 were the DDs in 2010?

jonesMUFCforever

There is nothing stopping you OP getting in touch with the originators of the D/D requesting a refund.