Help! Natwest being poor again

Tjrw1985

I am sick to the back teeth of this terrible bank.

I left them ages ago as they are a p*** poor bank and now they are spinning a line to my girlfriend over an un-authorised transaction.

We purchased some vouchers on-line on Tuesday Morning, and it stated the first transaction was declined. We did it again and it went through.

2 payments have come out of the account and Natwest have said that the place we purchased need to cancel the transaction as they have requested it. They say, Natwest can just return as, Natwest are holding it in a suspense account.

They have sent us a letter via e-mail telling Natwest they can refund it, and Natwest are saying, "No, it is the retailers bank that have to cancel it".

Is it just easier to request a Visa chargeback? and is their any reason they can refuse this?

stclair

I'm sorry to hear of your circumstances.

However the bank is "correct" and have no control over your issue.

If the transaction is pending the merchant bank will have to inform NatWest they wish to cancel the authorisation, alternatively you can be patient and wait for the authorisation to cancel naturally.

You can not instigate a charge bank as effectively the transaction has "not" debited the account and is just a pre authorisation at present.

Tjrw1985

We have supplied Natwest with a letter from the retailer and they still don't want to know.

stclair

Tjrw1985 wrote: »

We have supplied Natwest with a letter from the retailer and they still don't want to know.

It wouldn't be sufficient as the bank would not be able to confirm the letter was genuine.

It has to be the merchant bank that does the communicating.