Natwest Select Silver - Duplicate account

Lazos

Hi all,

Thank you for taking the time to read this thread and any advice you can give.


I went into my local Natwest branch on 05.04 to close an old account I no longer used but was having regular charges out of. Whilst talking to the representative, I was informed that I was being charged £10 for my select silver account (Which took me into my overdraft to be charged an additional £6). She asked if I wanted to continue with this service on my main account, I did...She then informed me that I was already paying for Select Silver on the main account as well.


We had a brief discussion around the benefits, none of which apply to the account itself as it is all external services - Phone insurance(Aviva) Lovefilm, HMV downloads, Identity Theft Assistance, Travel Money and Travel Insurance. So I completed a complaints form as to why my bank had never informed me of this duplication.


It was confirmed to me yesterday that I have had duplicate select silver accounts since December 2011. I opened my main account in March 2011 in branch. I then, personally, opened my second select silver account in December 2011 online (And therefore agreeing to the T&Cs). As I personally agreed to the second Select Silver account, Natwest have rejected my 'claim' for a refund (December 2011-March 2014 (27 Months x c£10)).


I have reviewed every benefits terms and conditions to see if there is anyway which I could have benefited from two accounts - From what I can tell there isn't.


I am aware there is an element of personal liability here, but if Natwest can flag duplicate ISA applications, Loan Applications...Surely they could have flagged a duplicate Select Silver application.


I look forward to your reply's, views, guidance and advice.


Thank you in advance.

[Deleted User]

You'll have to wait for the Bank's response to your complaint.

If you opened the second Silver account yourself and without any input from Bank staff then it's hardly their fault and no one should expect the Bank's systems to pick up on such an error.

However, if everything has been duplicated (and there is definitely no benefit to having two accounts) then one might imagine the Bank may refund the fees for one of them. Since they are not liable for your own error you are reliant on their "goodwill"

See what they say, they have eight weeks in which to respond.