NatWest took my money

woodpecker01 · 30th September 2006, 03:04

I had 2 accounts with NatWest a currant & savings, I used the currant as my main accout & had 3 monthly direct debits set up the 1st was for £1.00, The 2nd for £2.50 & the 3rd for £31.98, All three are paid together on the same date to the same company. On 23rd May 2006 I did`nt have enough funds in my account to cover them and guess what happened next, Yes NatWest charged me 3 times for bank charges total amout £114.00 and no letter informing me of the charges, Then again on 30th May 2006 I was charged another £114.00 again no letter informing me of the charges, Then again on 5th June 2006 another £114.00 and again no letter informing me of the charges, Thats 9 bank charges over 13 days total amount £342.00.

I then decided to change over and use the savings account as the main account and not use the currant account as NatWest would proberly close the currant account if I dont pay up, Guess what happened next, I had £335.00 in my savings account on 7th September 2006, I took £30.00 out which left me with £305.00, On 8th September 2006 I needed to take some more money out but the cash point would`nt let me take any money out, It would`nt even let me look at my balance I tried 3 different machines and just got a message telling me to contact my bank.

I went home to check my balance on the internet bank and I was shocked with what I saw the savings account was`nt even there and the £305.00 was transfered to the currant account, I got straight on the phone to NatWest and all they had to say was that When a account has been overdrawn for so long They can transfer funds into it and then close accounts.

Who gives NatWest the right to control your money this is stealing, They should not be allowed to transfer your money to another account without your permission, They also should`nt be allowed to close a account that is in credit without your permission, I don`t know if there is a law on this but there should be one, If anyone knows if there is a banking law on this please let me know as I would like to take NatWest to court for doing this if they have broke the law.

30th September 2006, 08:53

I'm sorry but NatWest can do that because the other account was overdrawn. I would think that the account was probably transferred to Credit Management Services. When you have two accounts you are liable for any debt on the either one which means NatWest can and have done this. But you can go after them for the charges which I presume you'll be doing.

woodpecker01 · 30th September 2006, 14:51

Thanks for the info, As soon as I receive my consumer actiongroup labels the 1st letter will be on its way to NatWest by recorded delivery.

windchest · 30th September 2006, 17:44

Good luck , but be prepared to receive the usual "time delaying" tactics from the Nat West.DO NOT let this put you off. Just DO IT. what have you got to loose !
cheers, chris

woodpecker01 · 30th September 2006, 22:40

I dont care how long it takes, All I want is my money back, I will not give up.

windchest · 1st October 2006, 01:03

THATS WHAT I WANTED TO HEAR, STICK TO IT , I'VE JUST 1 DAY TO GO, IN FACT LOOKING AT THE CLOCK 00.00 1st OCT, the 28 days is up,!!!! NOW !!!!. So I can get judgement by default providing I do not receive a letter on monday.( their time runs out on a sunday "today" So they get an extra day to reply.) Thats a bit of a bummer !.
Good Luck
Chris

woodpecker01 · 1st October 2006, 23:14

Can anyone tell me what address I should use to send the data protection act letter, I sent a letter of complaint to my local NatWest bank 3 weeks ago and got a reply last wednesday before I found this site.

The letter was from Leicester customer service centre and I was given the name of a person to contact by telephone to discuss the matter further, But the envelope the letter came in had a borehamwood address on the back. Do I send it to Leicester addressed to the name of the person I was given or to Borehamwood.

windchest · 1st October 2006, 23:23

Hi,
I have always sent everything to my local branch, I'm using their tactics,sending to the branch delays the time it reaches the place it's supposed to go to.
Cheers, chris

1st October 2006, 23:25

Goggarburn in Edinburgh address in contacts thread, they deal with all Data Protection Act. I'm sure you would not want to sink down to the banks level.

woodpecker01 · 9th October 2006, 23:42

I have now received my consumer action group labels and sent the data protection act letter today by recorded delivery. I`ll let you all know when I receive my statements.

woodpecker01 · 21st October 2006, 14:23

I received my statements today and it seems NatWest are trying to be a bit crafty, My step account was opened December 2001 and closed September 2006.

The statements I have received are only from December 2001 - September 2002 during this time I had no direct debits or bank charges, I certainly am not going to pay another £10.00 for the rest of the statements.

Can someone help me, Do I send them another data protection act without the payment of £10.00 or a letter demanding the rest of my statements,

I believe that I should write a letter but would appreciate any ideas of how to word the letter, I have already sent 2 recorded letters to them as they asked for my bank sort code before they could send my statements.

I will now have to send a 3rd recorded letter with a 3rd data protection act label on the envelope, Maybe I should also try a claim the postage for the recorded letters back as well.

woodpecker01 · 22nd October 2006, 22:35

Does anyone know if my local bank would be able to have access to the rest of my statements even though my account is closed as I am thinking of picking them up as it would be quicker than sending a letter.

I would appreciate any advise from NatWest staffmember or anyone else.

23rd October 2006, 00:10

Woodpecker the statements come in two batches, NatWest PLC computer system ended October 2nd 2002 and replaced by present day RBSGroup PLC computer system which is October 5th 2002 onwards. The rest of the statements will be with you shortly. The branches can access only up to 1 year of account history.

woodpecker01 · 23rd October 2006, 00:29

How long do you think I should wait for the rest of the statements before I write back to Alex Lyons office.

23rd October 2006, 08:49

couple of days, if you don;t have them Tuesday then write

woodpecker01 · 23rd October 2006, 14:43

Thankyou very much Natweststaffmember for the advice, you are a very nice and helpful person, I shall wait til Wednesday before writing back.

woodpecker01 · 26th October 2006, 17:49

The rest of the statements still have`nt arrived, I have just wrote another letter to Alex Lyons which will be sent tomorrow by recorded delivery.

26th October 2006, 21:16

Good Luck mate

woodpecker01 · 26th October 2006, 21:43

Thankyou, Natweststaffmember

woodpecker01 · 6th November 2006, 02:17

I received a letter back fron Alex Lyons office asking me what statements are missing, I told them in the letter I sent what statements have`nt arrived so they could`nt of read the letter properly, It now looks like recorded letter no 4 will have to be sent.

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