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Direct Debit Error
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TeddyBath
Posts: 1 Newbie
Hey
I've logged on to my bank to find a direct debit for Natwest with a different mortgage reference to mine, for over £570. I contacted Natwest who looked in to the query, they called back within 15 minutes after discovering human error had miss typed a bank account number, resulting in the direct debit being set up.
They said a refund would take 3 to 5 business days, so the best way to get the money returned quickly was to contact my own bank. I did that and have been promised the money will be back by 8pm this evening.
They also had to cancel the direct debit.
I am waiting on a call back from Natwest to check all is ok, but I have mentioned that I should receive a goodwill gesture of compensation. It's taken up time on my holiday, plus it's lucky I checked today as I could have spent a few days not knowing my account was lower by £570.
I thought I'd ask the forum members if they believe I'm being realistic in asking for compensation/goodwill and if so, what a reasonable amount would be?
Thank you
I've logged on to my bank to find a direct debit for Natwest with a different mortgage reference to mine, for over £570. I contacted Natwest who looked in to the query, they called back within 15 minutes after discovering human error had miss typed a bank account number, resulting in the direct debit being set up.
They said a refund would take 3 to 5 business days, so the best way to get the money returned quickly was to contact my own bank. I did that and have been promised the money will be back by 8pm this evening.
They also had to cancel the direct debit.
I am waiting on a call back from Natwest to check all is ok, but I have mentioned that I should receive a goodwill gesture of compensation. It's taken up time on my holiday, plus it's lucky I checked today as I could have spent a few days not knowing my account was lower by £570.
I thought I'd ask the forum members if they believe I'm being realistic in asking for compensation/goodwill and if so, what a reasonable amount would be?
Thank you
0
Comments
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Depends who mis typed it. If another customer, then nothing.
If a NatWest employee, £50.0 -
It's taken up time on my holiday,
Incorrectly applied direct debit takes about 15 minutes on the phone to your bank.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
How much time and how much compensation are you looking for?It's taken up time on my holiday
Fortunately you did check, so the "few days no knowing" didn't happen.plus it's lucky I checked today as I could have spent a few days not knowing my account was lower by £570.0 -
Since your losses are precisely zero other than perhaps the cost of the telephone call you made, I'd say a reasonable amount would be..... zero.I thought I'd ask the forum members if they believe I'm being realistic in asking for compensation/goodwill and if so, what a reasonable amount would be?
I also don't understand why you contacted NatWest in the first place.
In such circumstances, the first and only port of call should be your own bank who can quickly cancel and reimburse such mistakes.0
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