Help!! Do I go to the Ombudsmen??

.1xp

Why not just ask Natwest to provide you with the online debit card rather than the offline one?

Surely, that's the most sensible way forward?

dr_adidas01

.1xp wrote: »

Why not just ask Natwest to provide you with the online debit card rather than the offline one?

Surely, that's the most sensible way forward?

No ask it can still happen with online cards too.

If you really wanted to avoid this altogether then it would be advisable to pay for everything with cash and not debit card.

Archi_Bald

.1xp wrote: »

Why not just ask Natwest to provide you with the online debit card rather than the offline one?

Surely, that's the most sensible way forward?

Please do not spread rumours that accounts with online cards always show the actually available balance. It can take 3-5 days, or longer in exceptional cases, for a purchase with an online card to show on your account transaction list and in your available balance. In addition to card purchases not yet reported by retailers, available balances do not take into account SOs and DDs that might come out in the next few hours.

It is all very simple: the available balance showing on your bank account is not necessarily the amount of money you can spend without going into an overdraft (authorised or unauthorised). The only person who can know how much money you have left to spend is yourself.
You have to keep track of your spending, no bank will do it for you (not even the ones you pay for not going overdrawn).

Also, the only party responsible for spending more money than you have is yourself.

Get a personal finance package, or jot down your spendings (incl forthcoming DDs etc) on a piece of paper.

jonesMUFCforever

I take OP paid at the pump for petrol which would explain why the available balance is £1 less than ledger balance.


I agree it is up to OP to take responsibility for working out how much he/she has to spend.

101problems

my goodness imagine if the yoot of today had to deal with the old ZIP-ZAP machines they used to use back in the day.
has anyone seen one of these recently? and more importantly would you now let them imprint your card onto carbon paper with all the scams around today!!

dr_adidas01

101problems wrote: »

my goodness imagine if the yoot of today had to deal with the old ZIP-ZAP machines they used to use back in the day.
has anyone seen one of these recently? and more importantly would you now let them imprint your card onto carbon paper with all the scams around today!!

Yeah I saw one last week being used as a paper weight.... lol

I'm not sure I would let someone using one imprint my card on the good old fashioned carbon copy slip these days.

Archi_Bald

Last I saw of a zig-zags was when a BP petrol station got wiped out by a power cut mid morning. People wanted to pay for petrol and stuff from the shop and the shop couldn't take payments as the tills were dead.

Power (to the tills and the shop. but strangely not to the petrol pumps) didn't get restored for hours in the area, and the shop resorted to zig-zags. It did take them a while to find the zig-zag swipers, but they did find them, and they didn't let anyone off without paying

forgotmyname

Doesnt take much to think available balance is £30 but its not showing recent transactions, you simply deduct the recent transactions?

The bank wont know where you used the card and for how much until they get notified. I bought stuff from ASDA once and it didnt appear on my statement until about Thursday.

agrinnall

forgotmyname wrote: »

Doesnt take much to think available balance is £30 but its not showing recent transactions, you simply deduct the recent transactions?

I bought stuff from ASDA once and it didnt appear on my statement until about Thursday.

Not really a very good example when we don't know which day "once" was.

maninthestreet

Rather than going to Banking Ombudsman to complain, you need to post you SOA on the DFW board, so helpful members of this forum can advise you on how to reduce your living costs.