Nationwide Account Disappeared

born_again

SavingforDiamonds said:

I guess you're only interested in being told that your current plan of abusive phone calls to the bank is a great idea. I can't see it making a difference to how long it takes to get the money back, so if you want to keep doing that, it's up to you. 

Which is a great way for the reps to simply end the call. Which means you will not get anywhere. After a couple, you will find that as soon as your number comes up the call is disconnected and you get a letter stating due to your attitude to the staff. Your account will be closed in X days. Complaining will make no difference what so ever. FOS will back them 100% where staff being abused is concerned. Could also make it a lot harder getting a new account, as other banks will not be willing to take on a known staff abuser.

notveryeducated

born_again said:

Which is a great way for the reps to simply end the call. Which means you will not get anywhere. After a couple, you will find that as soon as your number comes up the call is disconnected and you get a letter stating due to your attitude to the staff. Your account will be closed in X days. Complaining will make no difference what so ever. FOS will back them 100% where staff being abused is concerned. Could also make it a lot harder getting a new account, as other banks will not be willing to take on a known staff abuser.

Most likely his account will be getting closed now, suspected AML/fraud on account + abusive on phone to staff, Nationwide just don't want a person like that as a customer. However, it won't be hard for OP to open another bank account if his last one was closed for being abusive to staff, because Nationwide can't put this on his credit report can they? 

afis1904

Having worked in customer service this all seems very real. I've dealt with a lot of people before I genuinely wanted to help (as you obviously do with every customer) and have been honest with from the start who have then kicked off because the answer I was giving them wasn't the answer they wanted. 

Sometimes those things unfortunately happen and I think people in this thread have been tried to be helpful and people really need to learn to accept that other people who want to help them will sometimes not be able to wave a magic wand and make the problem go away.

digalumps

When you worked in customer service and if a customer kicked off at you did you have any means of of closing their accounts down and stopping them being a customer - or was that above your paygrade and they were there for free to do it to the next customer service rep when they called again

afis1904

I worked for clothes retailers so a bit different but we would blacklist people from calling every now and them if there was unacceptable behaviour towards staff. Probably less common in a big call centre (we were about 25 people) but obviously still possible.

notveryeducated

digalumps said:

When you worked in customer service and if a customer kicked off at you did you have any means of of closing their accounts down and stopping them being a customer - or was that above your paygrade and they were there for free to do it to the next customer service rep when they called again

Haven't worked in customer services but it's in a lot of banks T&Cs that they can close your account immediately if you're abusive/threatening towards their staff.

born_again

notveryeducated said: However, it won't be hard for OP to open another bank account if his last one was closed for being abusive to staff, because Nationwide can't put this on his credit report can they? 

No, but sometimes banks will call to check why a account was closed, at that time it can be mentioned that they were also abusive to staff. 
Banks can & do speak to each other in the background if there is any doubt. So if the customer wanted the funds moved to another bank, they could be made aware of the customers attitude to staff. If they started abusing staff, they would only get one letter & no chances.

eskbanker

born_again said:

notveryeducated said: However, it won't be hard for OP to open another bank account if his last one was closed for being abusive to staff, because Nationwide can't put this on his credit report can they? 

No, but sometimes banks will call to check why a account was closed, at that time it can be mentioned that they were also abusive to staff. 
Banks can & do speak to each other in the background if there is any doubt. So if the customer wanted the funds moved to another bank, they could be made aware of the customers attitude to staff. If they started abusing staff, they would only get one letter & no chances.

Surely any such conversations would be in breach of the Data Protection Act, unless there's a specific provision in privacy policies and/or Ts & Cs allowing such disclosure of personal data to peers?  I'd expect provisions for disclosure to credit agencies, CIFAS/National Hunter, law enforcement organisations, etc, but the legitimacy of sharing of personal data directly between competing commercial organisations sounds dubious to me....