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Mystery £114 Bank Charge!

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  • #1

    Mystery £114 Bank Charge!

    I went to draw some money out today, knowing I had £50ish left from being paid on Friday...

    And to my pervail 'insificant funds'.

    What the heck? I've no cheque book, no standing orders and no direct debits from my account... How can I have 'insificant funds'?

    Typically I bank with Natwest and they were closed by the time I tried to go in to the local branch :( I have online banking, but not telephone banking - so they couldn't help me over the phone.


    So as you can imagine I'm pretty livid! Thought I would leave it until Monday to sort but couldn't sleep so on the net/forums I go.

    Found another person who had the same problem, last month, and he spoke to a manager and got his money back and was told it was a 'Glitch in the system'? WTF!

    I've printed the links listed below but does anyone else have any advice?

    As mentioned I have no DD, Standing orders or a cheque book... The charges are for apprently three unpaid items - £114 charge!

    But now get this! They dropped all the charges from the 1st of this month ( my charge being dated 2nd, but it only appeard on the 3rd) from £114 to £50... So if i had something bounce, three times, it would of been £50.

    I've gone through my statements 10 times and not found any 'Unpaid Items'.

    [url=http://whatconsumer.co.uk/forum/bank-charges/962-natwest-bank-charges-guide.html]NatWest Bank Charges: A Guide - Consumer Forum[/url]
    [url=http://forums.moneysavingexpert.com/showthread.html?t=1936967]WARNING: NatWest system 'glitch' is charging unpaid item fees for no reason - MoneySavingExpert.com Forums[/url]
    [url=http://www.moneysupermarket.com/c/news/natwest-and-rbs-slash-bank-charges/0006195/]Natwest and RBS slash bank charges | moneysupermarket.com[/url]
    [url=http://www.guardian.co.uk/money/2009/sep/07/rbs-natwest-overdraft-charges/print]Royal Bank of Scotland and NatWest cut overdraft charges | Money | guardian.co.uk[/url]
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  • #2
    If you have online banking, I'd guess you can look at a statement for the last 7 days see the details of the mysterious transactions - who they have been paid to and when etc? You can with Barlcays anyway. Also with Barclays, I think their in-house account fraud office is open 24/7 so they are always contactable. Not sure about Nat West, but I'd be surprised if it was any different.
    JR Vibe Fifty fb (YS56)

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    • #3
      They will certainly have a 24x7 fraud dept. I find the best thing to do when a bank messes you about is move to another bank :)

      Years ago Lloyds messed about with my fathers account, so rather than mess about he had a meeting with the bank manager and closed his account and the firms (large vehicle parts manufacturer) accounts in disgust.

      banks seem to think they are a law unto themselves...
      Rob


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      • #4
        I bank with Lloyds, and as most banks do now as a result of the bank charges scandal, they actually charge per day you are overdrawn, not per occassion.

        Also, for the charges to be applied, when I went overdrawn, their policy was to send the letter advising of the charges on the 1st day of the month following going overdrawn, then take the money on the following 1st day of the month.

        I would imagine other banks have similar procedure, so I would suggest you possibly went overdrawn in August, for maybes 3 or 4 days?

        Also, have you ever tried claiming your charges back? Back when I was a teen, I was terrible with money management - and got over £600 back.

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        • #5
          IDIOTS!

          They tried to blame it on me for a DD that was dated 8th-Sep-2008! HAHA

          Got a full refund and demaned a written apology.


          Asked about getting an overdraft incase I miss any payments etc and they wouldn't give me one... So I closed the account and opened one with Lloyds TSB who gave me a £250 overdraft.

          £70,000+ had gone into that account within 24months and they wouldn't give me anything in return.

          Natwest suck and won't be getting any of my business, ever.

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          • #6
            I've been with Lloyds for 6yr+ now. Cant fault them.

            Any stray DD's - just call and they return them same day (no chrge applied)

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            • #7
              I've been with TSB then Lloyds TSB since 16 years old, i'm now 41 and have never had a problem with them (touch wood)
              If you have put over £70,000 in your account in two years, your outgoings are to high if you are saving for that T-Rex 700:rolleyes:
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