Bank charges reclaim (Natwest)

princessleia

My name was added to my Mums account for the purpose of helping her as she gets confused and went to Natwest with her and mentioned bank charges which we thought were missold. I later telephoned Natwest and they started an investigation, however, after 5 weeks they came back to me and said as my name was not on the account at the time it was taken out the claim has been rejected. I rang last Friday and confirmed to them that I have Power of Attorney and they said it didn't matter. Is this true?

dunstonh

and mentioned bank charges which we thought were missold.

Are this unauthorised overdraft charges or something else?

as my name was not on the account at the time it was taken out the claim has been rejected. I rang last Friday and confirmed to them that I have Power of Attorney and they said it didn't matter. Is this true?

Have they rejected the complaint or have they not accepted receipt of the complaint from you as you were not party to the account at the time?

Did you make the complaint in your name or your mum's name?

princessleia

Sorry I wasn't clear. It was a packaged account - Advantage Gold.

Natwest have stated that they were "unable to agree with your complaint regarding the account being unsuitable as our records show that you were not connected to the account when it was upgraded"

The account is not a joint one as I only wanted to be able to assist Mum with any problems. I thought Power of Attorney meant I could act on her behalf. Confused.

dunstonh

Natwest have stated that they were "unable to agree with your complaint regarding the account being unsuitable as our records show that you were not connected to the account when it was upgraded"

Did you state reasons in the complaint that suggested you were present when you were not (such as allegations of what may have been said)?

it reads as is they are rejecting your points because your reasons were based on you being present when you were not.

I thought Power of Attorney meant I could act on her behalf.

Only as long as the bank have accepted the power of attorney (and that usually means signing their own per-pro forms as the POA can be cancelled without the bank knowing but the per-pro requires the bank to be told it is cancelled)

However, it does not appear to be the POA that is preventing the complaint more that your reasons have been rejected.