Closure Of Natwest Account No Reason Given

jonesMUFCforever

Lavendyr wrote: »

Apologies if I missed it but I didn't see anywhere that you had directly asked if the OP had reclaimed any bank charges from Natwest...I understand that some banks do close accounts on anyone who reclaims bank charges, citing "commercial reasons" as expressed by natweststaffmember above. Again though, sorry if I missed it.

As OP has only had an account with Nat West a couple of months I did not think it had been opened long enough for this to happen.

gaylechapman

nope had not any cheques returned unpaind not even used cheque book i actually had 3 accounts with them 2 of which had not been used and they are closing them as well ,and no i havnt applied for any charges back ,still not got the letter from the natwest either telling me they are going to close the account and had to make a further complaint today as my calls had not been logged at all ,its all a bit cloak and dagger

natweststaffmember

the question must be, have you got your credit file as suggested earlier? The decision is non negotiable regardless of anything. It is worth your energies trying to get a new bank account than arguing whether a letter/phonecall was logged.
I leave this one I think because advice and potential reasons have been given and the decision has already been made by the bank.

gaylechapman

i recieved letter from natwest yesterday telling me my account would be closed in 10 days and from info i have heard recently they are trying to close customers accounts who are on benefits,despite the government saying everyone is entitled to a bank account.It is now in the hands of the ombudsman who agree the natwest have not abided by the code of conduct .

PROLIANT

gaylechapman wrote: »

i recieved letter from natwest yesterday telling me my account would be closed in 10 days and from info i have heard recently they are trying to close customers accounts who are on benefits,despite the government saying everyone is entitled to a bank account.It is now in the hands of the ombudsman who agree the natwest have not abided by the code of conduct .

Try Alliance and Leicester, my ex has opend an account with them and she is on benefits.

jonesMUFCforever

gaylechapman wrote: »

i recieved letter from natwest yesterday telling me my account would be closed in 10 days and from info i have heard recently they are trying to close customers accounts who are on benefits,despite the government saying everyone is entitled to a bank account.It is now in the hands of the ombudsman who agree the natwest have not abided by the code of conduct .

I really do think you are barking up the wrong tree here.

PROLIANT

jonesMUFCforever wrote: »

I really do think you are barking up the wrong tree here.

How? Can you please explain.

I_know_my_ABC_and_my_CMYK

natweststaffmember wrote: »

The bank do close accounts and will send letters out, they can be closed by the bank for the following reasons, debt, death, fraud on the part of the account holder and what is called commercial reasons. The latter reason means a letter is sent out stating this and all cards are withdrawn and any balance remaining ie positive balance will be given to you. The bank are within their rights to close an account and the "commercial reason" while not exactly eye opening is non negotiable. By all means take it further but the account will not be re opened once the decision is made.

We do close dormant accounts btw, but not after a year or any letter being sent to you asking if you still want to keep the account.

Your post has just reminded me that I have a current account with the Halkifax which I haven't used for at least 5 years. According to my credit file it's still active and I've not received any mail from them for this lenght of time. Is this normal?

jonesMUFCforever

PROLIANT wrote: »

How? Can you please explain.

Nat West would not close the account solely due to OP being on benefits.
If it was their policy why would they have opened the account in the first place?
I don't think we will see the reason why until at least OP has got hold of a copy of her credit files.

krisskross

Will the OP be able to open an account with another bank? This is what would be worrying me if I was her.