help and advice would be greatly appriecated

[squiggles87]

hi all

 

natwest have blocked my accounts except 2 and told me i gotta ring collections in the morning

 

i have 2 silver select accounts

1 of which is overdrawn and still active and

the over one is in credit a little

 

also have 2 saver accounts both of which are in credit

 

and a basic bank account - for internet buys after coop and rewardsnow done me over

and i argued with both parties for refund as it wasnt authorised transaction and got no where

 

and i have a isa with nothing in

 

work has been a bit sketchy recently with a little bit here and there and i didnt realise my select 2 account was £59 OD

 

calculated income between opening them accounts and now is about £2400 in 5 months inc paying rent and bills and food and been a struggle

 

they have blocked my accounts that are in credit and left one active which isnt

- can they do this as i have regular small payments going in and out of my other accounts

- its 4am in the morning and i cant sleep as im fuming at the bank after having to walk 9 miles home

because i couldnt get my money which i had put by to get back from work

 

what can i do on this front

- also i will need some more advice on other debts

but will start that in a new thread in another day

because i actually want to sort myself out financially

as im 25 and not getting any younger lol

 

i cant access my money to buy food or pay my rent and got a gut feeling that they will say pay 59 quid

and we unblock accounts and give you access to your own money again

 

any ideas as im going out of my brain and its not good

[maroondevo52]

Hello and Welcome,

 

Think the first thing you should do is open another account with a Bank not associated with Natwest, with the accounts you have I'd be worried about their right to 'offset', there's some info here.........

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

 

Giving them a phone and trying to sort out the £59 payment would stop them adding any more charges to the account.

 

Regards,

 

Scott.

[squiggles87]

A massive lol at natwest - phoned them this morning and yup was the 58 quid which has been paid from a account

 

advice from man on telephone was to write a letter of full complaint against their error after he admitted to me which

 

.i recorded on my.phone

 

3 days my account will me back to normal

[maroondevo52]

So Natwest made a £58 payment from your account making it overdrawn by this amount.

 

Let us know how you get on with that.

[squiggles87]

ladies and gents

 

after losing my job ive transfered small amounts to clear the balance which is now 73.58 which it went up to 79 originally

 

today i logged on to find they have done the same again and to really top it transfered the remaining in credit balances to clear it

 

un authorised transaction - playing with my welfare need your advice people as im fuming

[maroondevo52]

Hi, squiggles87.

 

I've 'flagged' this up to site team, see if we can get you some help.

[dx100uk]

so they appear to be using their right of offset to pay one account of with another.

 

if you think this is unfair

and there are bank charges involved

 

i'd start a BCOBS complaint

 

click the link and read the RBS stuff

 

dx

[citizenB]

I think you need to start an account with a bank not associated with Nat West, in order to prevent them offsetting. I would think they are probably adding interest to the O/D which keeps the debt increasing.

 

You should write a letter of Complaint to their Head office saying you think their treatment of you is unfair.

[squiggles87]

well here what they have done

 

they are closing my account as off 10th of april

 

ive offered to clear it on the 9th as thats my next pay day and they refused to help

 

im fuming still to say the least and now are playing with my welfare as if my payment of 140 quid goes in i have to ring them to authorise it to go out again then go to bank and pretty much am going to be left with 70 quid to last a fortnight if they withhold it which i think they are going to do

 

im going to open a new account with another bank today and am going to look at the complaints proceedure as they are playing with my welfare as well as transfering the 46p that was in one of my accounts without my authorisation as well as not telling me they closing the account

 

they tried a payment plan idea then daid nowt they could do so i then went to offer to pay full balence even tho i cant afford to on tuesday which they refused so any ideas greatly appriecated

[dx100uk]

are you on benefits?

 

dx

[squiggles87]

i am now - dont want to be but hope its not to long till i work again

[dx100uk]

if they are taking bank charges from benefits

 

even more worthy of a bcobs complaint.

 

read and adapt this

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits