£150 switch incentive from NatWest (2019)

NoodleDoodleMan

I agree, there is nothing in the switch T&Cs defining 'use' in relation to the debit card, and no reference to purchase/bill payment.

It wouldn't be the first time bank staff had made up their own version of T&Cs, but why take the risk?:cool:

The lady who took my call sounded pretty clued up - she referred to the Ts&Cs that she could access at her location, then appeared to check with a colleague to confirm.

You can always call yourself for a second opinion.

RG2015

NoodleDoodleMan wrote: »

The lady who took my call sounded pretty clued up - she referred to the Ts&Cs that she could access at her location, then appeared to check with a colleague to confirm.

You can always call yourself for a second opinion.

It is unwise to take anything said by NatWest at face value.

It does though appear strange that NatWest customer services staff can see different Ts & Cs to NatWest customers.

NoodleDoodleMan

It is unwise to take anything said by NatWest at face value.

It does though appear strange that NatWest customer services staff can see different Ts & Cs to NatWest customers.

Easily resolved - ask in your local branch, if you have one, or call 0800 200 400.

RG2015

NoodleDoodleMan wrote: »

Easily resolved - ask in your local branch, if you have one, or call 0800 200 400.

Unfortunately, this would not resolve anything for me. The terms and conditions need to be written down.

If it comes down to interpretation the legal test is what a reasonable person would think. In my opinion a reasonable person would think that use of a debit card would include ATM withdrawals unless this was specifically excluded in the written Ts & Cs.

RG2015

NoodleDoodleMan wrote: »

Easily resolved - ask in your local branch, if you have one, or call 0800 200 400.

Thank you for your suggestion which I followed by calling 0800 200 400.

The customer services person said I would need to speak to the switching team and he transferred me to them. The switching person listened to my question and had to check with a supervisor.

She came back to me after about 30 seconds and assured me that a cash withdrawal at an ATM would definitely qualify as using the debit card to qualify for the second cash reward.

Nevertheless I am with badger09 on this and am minded not take the risk.

I forgot to ask if scratching my left ear with the card would qualify as using the debit card .

NoodleDoodleMan

The customer services person said I would need to speak to the switching team and he transferred me to them. The switching person listened to my question and had to check with a supervisor.
She came back to me after about 30 seconds and assured me that a cash withdrawal at an ATM would definitely qualify as using the debit card to qualify for the second cash reward.

That's exactly the experience I had, except they told me that a debit card transaction at an ATM would not meet the £50 additional reward criteria.

I forgot to ask if scratching my left ear with the card would qualify as using the debit card .

How could you omit asking such a key question !!!

badger09

RG2015 wrote: »

Thank you for your suggestion which I followed by calling 0800 200 400.

The customer services person said I would need to speak to the switching team and he transferred me to them. The switching person listened to my question and had to check with a supervisor.

She came back to me after about 30 seconds and assured me that a cash withdrawal at an ATM would definitely qualify as using the debit card to qualify for the second cash reward.

NoodleDoodleMan wrote: »

That's exactly the experience I had, except they told me that a debit card transaction at an ATM would not meet the £50 additional reward criteria.

As I said earlier;)

badger09 wrote: »

It wouldn't be the first time bank staff had made up their own version of T&Cs, but why take the risk?:cool:

NoodleDoodleMan

I've just rang Nat West switch team - the score is now 2-1 in favour of only needing to use an ATM.

Is there a dramatic late equaliser on the cards ?

RG2015

RG2015 wrote: »

It is unwise to take anything said by NatWest at face value.

It does though appear strange that NatWest customer services staff can see different Ts & Cs to NatWest customers.

NoodleDoodleMan wrote: »

Easily resolved - ask in your local branch, if you have one, or call 0800 200 400.

NoodleDoodleMan wrote: »

I've just rang Nat West switch team - the score is now 2-1 in favour of only needing to use an ATM.

Is there a dramatic late equaliser on the cards ?

VAR? :rotfl:

Now I see why Ross McEwan is resigning.

NoodleDoodleMan

Update - I finally received written confirmation yesterday that any use of the debit card will satify the criteria for the second wave payment £50 to complete the £175 reward offer.

My first letter resulted in a full explanation of the reward qualifying T&Cs without addressing the clear and unambigious question posed.

I then had to respond with a follow up letter, again asking the same specific question in isolation.

Talk about hard work !!!

The moral of this saga - don't ask Nat West a potentially difficult question !!!