legacy RBS account help needed

anthoz

Hi there,

Any help in advance much appreciated as I need a first port of call.

I am a joint account holder on an RBS account opened in 2004

the account hasnt been used for 15 years and addresses etc never updated, plus I have no online or phone access. Yes I should have closed it but its one of those things.

2 months ago a random charge was added for some reason of £25 ( in error some sort of document/ deed fee)  which whilst small means the account is OD and has been for 2 months. RBS have added default info to my credit file which was otherwise perfect and so I need to undertake the following;

1. update the account details/ address with RBS so I can then keep an eye on it or close it

2. once the current situation is rectified  I want to then query the charge and the subsequent default as even though its minor its on my file

as its a joint account I cannot close it off the bat myself, so just having access to it would be a start so I can keep an eye on it , make sure its in credit or zero etc until we can shut it down

can this be done in a Natwest branch as there are no RBS anywhere that I know of, online and phone banking is of no use as I am not registered.

This is my only account with RBS so no other accounts I can access and then link to this one


thanks in advance

born_again

It's a wonder it has not been closed as a dormant account after this time.

Best bet would be take plenty of ID into branch to sort, but you could ring normal call center number 1st & explain situation, asking for advice. No need to go through security then.

jameseonline

I'm confused how are you posting here without online or phone access?

anthoz

jameseonline said:

I'm confused how are you posting here without online or phone access?

I dont have online or phone banking access to the account , not to the internet haha

jameseonline

anthoz said:

jameseonline said:

I'm confused how are you posting here without online or phone access?

I dont have online or phone banking access to the account , not to the internet haha

Ahh well I think a call (so they can advise at very least) or visit are your options.

I imagine going to a NatWest or RBS to sort out can be done as both are closing branches but should be at least 1 brand nearby and pretty sure they use the same systems.

lr1277

My family had a similar problem with a joint account at Barclays. One of the account holders had moved to America. And as Barclays could not contact them, that is the letters were returned 'Not known at this address', I think the account was marked dormant.

The only fix was both account holders going into branch with ID and knowledge of each account holder's address which Barclays knew.

With Barclays had to make an appointment with a personal banker to sort this out, and some appointments are weeks in the future. This is made even worse when Barclays have some promotional activity that requires a customer to meet a personal banker. Put me right off them.

Anyways I don't know how RBS works, but good luck.

[Deleted User]

lr1277 said:

My family had a similar problem with a joint account at Barclays. One of the account holders had moved to America. And as Barclays could not contact them, that is the letters were returned 'Not known at this address', I think the account was marked dormant.

The only fix was both account holders going into branch with ID and knowledge of each account holder's address which Barclays knew.

With Barclays had to make an appointment with a personal banker to sort this out, and some appointments are weeks in the future. This is made even worse when Barclays have some promotional activity that requires a customer to meet a personal banker. Put me right off them.

Anyways I don't know how RBS works, but good luck.

Most banks prefer joint account holders to both agree to account closures but unless it's a dual sign account (very rare with current accounts) then legally either account holder is able to instruct closure.

Hoenir

[Deleted User] said:

lr1277 said:

My family had a similar problem with a joint account at Barclays. One of the account holders had moved to America. And as Barclays could not contact them, that is the letters were returned 'Not known at this address', I think the account was marked dormant.

The only fix was both account holders going into branch with ID and knowledge of each account holder's address which Barclays knew.

With Barclays had to make an appointment with a personal banker to sort this out, and some appointments are weeks in the future. This is made even worse when Barclays have some promotional activity that requires a customer to meet a personal banker. Put me right off them.

Anyways I don't know how RBS works, but good luck.

Most banks prefer joint account holders to both agree to account closures but unless it's a dual sign account (very rare with current accounts) then legally either account holder is able to instruct closure.

If the account balance is zero then the account can be at the very least be frozen. Blocking further transactions. 

lr1277

[Deleted User] said:

lr1277 said:

My family had a similar problem with a joint account at Barclays. One of the account holders had moved to America. And as Barclays could not contact them, that is the letters were returned 'Not known at this address', I think the account was marked dormant.

The only fix was both account holders going into branch with ID and knowledge of each account holder's address which Barclays knew.

With Barclays had to make an appointment with a personal banker to sort this out, and some appointments are weeks in the future. This is made even worse when Barclays have some promotional activity that requires a customer to meet a personal banker. Put me right off them.

Anyways I don't know how RBS works, but good luck.

Most banks prefer joint account holders to both agree to account closures but unless it's a dual sign account (very rare with current accounts) then legally either account holder is able to instruct closure.

I don't know how my family's joint account at Barclays was setup and its signature requirements. Also maybe the phase I used about the account being dormant may not be correct. I can't remember how Barclays classified the account.

But this experience does mirror some posts I have seen on this board where two people in a relationship have now split up and one of the parties wants to close their joint account, sometimes to stop the other party emptying the account. I believe the advice I have seen on here is to get both account holders to agree to the closure.

But perhaps they were the exception and not the rule.

gsmh

It sounds like you may be over 60, in which case RBS has an over 60s helpline: 0800 051 4177. I always get through quickly to a very helpful CS person.

flaneurs_lobster

gsmh said:

It sounds like you may be over 60, in which case RBS has an over 60s helpline: 0800 051 4177.

Really? I had no idea. 

In what way is that of any relevance?

Do they talk slowly and loudly? 

Rather curious as to how this helpline might differ from the standard one - and I'm aware that there are other mechanisms for contacting RBS for use by anyone who has accessibility needs or who might register as vulnerable.