Natwest closed my business account ...

TheBanker

Mupette wrote: »

The bank didn't tell us, in fact the business team are supposed to of called me back to explain why they never told us, and yet that seems to be beyond there care remit.

I can't excuse the bank not calling you back when you raised the question, but they wouldn't tell you the account was going to be closed. The form you fill in for Companies House to have the company struck off has to be signed by the Directors, so there is a presumption that the Directors will be aware of what is happening.

In any case, the bank I work for which is not Natwest only find out that the Company is struck off after it's happened, therefore at this point strictly speaking the former Directors no longer have any interest in the account.

jonesMUFCforever

Mupette - you were very lucky that you did not have any funds in the account when the limited company was struck off as it would have been sent to the Crown.
At least now you still have access to the funds that you intended to pay your taxes with - so just use it and pay.

The bank is 100% right in the actions it took here and you are wrong - no amount of phone calls/letters from your bank will change that.

Mupette

Thanks for all your replys, we were a very very small company, just needed to become a business so that we could invoice husband's client, aka the agency.

I think these companies could work on their communication. If we forget to tell someone something it usually ends in tears our end, so why does it have to be different for big companies.

Ah well all over now

Mupette

Well I've finally had a call from someone in the business team just now, that made an interesting call. She said why the account was closed and I said I understood why.

No security checks and the first thing she did was blame another department as they were not customer facing.

So i said that didn't make good customer service to open the call by blaming someone else, (having had to email one of my clients at work to apologise for something not being done, even though it was nothing to do with me this morning, i am sure my client didn't need to know who was to blame, just an acknowledgement that there was a problem and we were making contact to reassure them), she then got a little defensive and said she wasn't blaming them, and then went on to say it was their fault, and said again why they did it, I said that as I've already said I understand why it was done. And a sorry from Natwest as a whole would be sufficient rather than point the finger at a department.

I think she could tell i was a little annoyed, I pointed out why I had made a complaint, she again said it was the other department, at this point I said that it was perhaps a good time to finish this call as it wasn't going anywhere, She agreed and put the phone down.

Lovely CS

TheBanker

Mupette wrote: »

No security checks

Technically you no longer have authority on the account, so no security checks could take place. You ceased to have any authority when you ceased to be a Director as a result of the company being struck off.

However if she was telling you the company had been struck off the register which caused the account to be closed, this information is in the public domain anyway.