Closure Of Natwest Account No Reason Given

gaylechapman

I recently tried to use my bank card as i do nearlly everyday to find that my card wasn't working ,i called the telephone banking service to find my cards had been withdrawn no reason given and asked to call back after 8 am as more info would be given i was told this was very odd and just be a mistake, i called back after 8 and was given a different number to ring at 9 so i did they told me the request had come from the branch and asked had i been into see them lately and was very odd as the account was in credit she even tried reissuing the cards for both my accounts but the system wouldnt let her so i was given another number to call to be told my accounts were due to close in 20 days i had to make alternate arrangments and there was nothing i could do and a letter had been generated that day and sent out and they didn't have to give a reason ,i had no overdraft only been with the bank a matter of months but after searching the ent have found a few people of late its happened to with the natwest and was wondering if there was anyone else out there who has had their account closed for no valid reason at all .

jonesMUFCforever

Weere you asked for identification when you opened the account? Was this ok?
What type of account is this?
Did you specify what was going through the account - has anything else (or somebody else's) been paid in like a relative's wages?

gaylechapman

oh yes i had given my drivers license and all my benefit letters of which there was quite a few as my sons disabled and im classed as his full time carer so they had seen letters from the tax credits with my child taxcredit on it ,my letter for my carers allowance ,my letter for my income support supplement and my sons disability allowance and child benefit letters also a post office statment and my passport ,no one else has anything going through my account part from my sons dla which comes to me anyway as hes only 6 they knew this
it wasn't even a full account was a current plus account with a solo card

jonesMUFCforever

You had only been with the Nat West a couple of months - who were you with before and what prompted you to change banks?

gaylechapman

was with the halifax and changed as found halifax had the worst customer service rate ever and i used to work for a bank and knew some of the things they were telling me when i had problems on my account with fraud were lies you got a different answer to the same question ever time you rang up and never got people ringing you back when required was like pulling teeth

jonesMUFCforever

So there was fraud on your account is that right?
If so what kind of fraud?
Has anyone living at your address attempted a fraudelent application for anything - have you checked whether you have a CIFAS marker on your credit file?

gaylechapman

this was on my halifax account i had fraud and no no one in my house has since theres only me and my 2 young boys and even if i had a cifas i dont know about they wouldve checked that when i was credit scored to see what account i culd have when i opened it

jonesMUFCforever

I would certainly check your credit files. Something does not stack up here.
Have you been back to the branch where you opened the account for an explaination.
The only thing that I can think of is that the ID was somehow lost between the branch and the bank's HO or wherever they store the ID data.

Jonnno_2

Once the account is opened the bank does further checks and if there not happy they are in their right to close the account unfortunatley.

setmefree

NatWest-Staff wrote: »

Once the account is opened the bank does further checks and if there not happy they are in their right to close the account unfortunatley.

Shame the same doesn't apply to the Tax Payer, firstly they lend the money to the struggling Banks, then if they find that the Banks did not act responsibly in the first place, they withdraw their funding... seems fair to me.:D

Ian_Slater

I would find a better bank anyway is there anymore near you.Go to the Banking tool bar at the top of this page you will find lots help there probably best to get a basic account until you find out why they closed your account.
Good luck