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RBS - Incurred bank Charges after working there!

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Hi All,


This is a tricky one so i'll try and cut it short....


About a year ago, I was employed at RBS. I left after 3 months, and received a small payment the month following my leaving for pay I was owed. One month later, I received a letter from RBS stating that I had been overpaid by £300.00 and this would be deducted from my NatWest payroll account a week later (Note - working for RBS means you have to have a RBS group payroll bank account)


After telephoning RBS and instructing them I could not afford this, and asking the make a reasnoble payment arrangement, they flat out refused. I then withdrew all monies from the account and placed a complete bar on transactions. Low and behold! The bank withdrew the money anyway! (taking £300.00 from an account with a £0.00 balance!)


I telephoned RBS and got passed from HR, to Payroll, to my old line manager and back again. I have received no evidence of overpayment, and advised RBS that under no circumstances would I repay any of this money without evidence.


About a month ago, I received a default notice on this account which has racked up £400.00 (plus the original £300.00) in default fees and interest. I approached my NatWest bank manager and asked him to intervene, although sympathetic he was unable to help at all.


I then sent a formal letter of complaint to Natwest advising I was placing my account in dispute, to which they replied it was nothing to do with them as my complaint was with RBS!


I have just sent a notice before action advising all monies must be refunded within 14 days - my position is -


1 . How can RBS make an order to deduct money from a NatWest bank account (which is a distinct and seperate legal entity)


2. Why had RBS retained my bank details 2 months after I left?


3. How can NatWest authorise a transaction from RBS which takes £300.00 from an account with £0 balance, AFTER I placed a bar on all transactions?


4. RBS and NatWest have refused all attempts at a mutual resolution!


What are your thoughts guy? Would love to hear any advice.....


On a personal note, i can't believe it is legal for an employer to control your BANK ACCOUNT as well! surely this gives the employer too much power? I understand this is the base with all Bank employees these days,


With Thanks in Advance


Dan Hulse


Daniel (nospam) @ Hulse.org.uk

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The banks do as they please. With NatWest being part of RBS, RBS are able to recover monies from within the group as a whole. The banks will always take money from the consumer when its to line their own coffers, that includes taking you overdrawn.

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