Jump to content


  • Tweets

  • Posts

    • hey i typed in dpd in our search...look what i found as the very 1st hit.......😇    
    • I see on November 8 I suggested that you read around all the stories especially the Hermes stories on the sub- forum. Yet you just have reported that you wrote them and suggested that you go to some kind of ADR. Why is that? Have you seen that mentioned in any of the stories on the sub- forum? What ADR did you have in mind? Do you think that such a scheme exists anywhere? We would love to know. If you want to move on with this then you need broadly to follow the advice here and that begins with reading all the stories and then taking the same path. Sorry to say but you've wasted three weeks. If you want to take control of this then you need to read the stories, take the suggested action. My site team colleague above has suggested the next step although that was clear from many stories which are already on this sub- forum
    • Update:  Apologies, it's a bit of a lengthy read.  I’ve been back and forward with Virgin Media after requesting a SAR using their online request form.    I didn’t wish to provide proof of my current address.  The SAR is in relation to my Virgin Media account at my previous address.   I don’t have any utility bills from my previous address so I sent alternative documents with my address in an attempt to prove my identity.  These were not accepted.  In addition, I’ve provided a copy of my driving licence with my old address details and am currently awaiting a response.   Time is ticking so after taking advice to support a mortgage application  in an attempt to improve my credit file I ended up phoning Virgin Media (recorded the call) .  The outcome of which was that I paid but this has not been positive for my credit file.    I spoke to an advisor and was asked if I wished to pay the £75.15.  I explained as per original post, said I didn't owe the outstanding amount etc.   I can enter details if it would be helpful.  I was told that it is not in their hands now, that I don’t owe virgin media, it’s been written off now.  Again, I was told that I don’t owe Virgin media anything.     I explained that my credit file went from 0 missed payments to a default of £75 after raising a complaint and that I received no information as to what the outstanding amount was for.  I stated that my post had been subject to re-direction with Royal Mail.  I re-iterated my complaint and what I wanted to resolve it.  I was advised that Virgin media don’t deal with that, so I asked if there was a department who does deal with that?   I was then transferred to the collection team where I explained everything again.  I was advised that the last bill was already generated on their system.  On reflection, I don’t understand how it was the last bill if they’re saying they did not receive confirmation that I cancelled.  I re-iterated through out the call that I was not aware of what the £75.15 outstanding charge was for, that it was different to my usual monthly bill and that my credit file was marked as up to date until I raised a complaint.  Then a default appeared and I don’t know what it’s for?   I was told that if I paid today that Virgin Media would remove the default.  They would accept payment today and it would be removed from my credit file.  I went back and forward re-iterating my issues.      I was told it  had already been through the process, it was final and so the money has to be settled. I was also advised that my account had gone through valid processes.  I said that there were issues with processing requiring an explanation as I’d not been advised of any charges and re-iterated the issues; credit file, DCA’s requesting differing amounts, correspondence, complaint responses, lack of compliant responses;cancellation, lack of response to 2 deadlock request letters.     The advisor then gave me her word that the default would be removed from my credit file if I was willing to pay today. She said I have her word. I asked for clarity that if I paid that she was stating that the default would be removed and not marked as satisfied.   She assured me it would be removed.    The advisor acknowledged there was still an open complaint.  I asked if she was saying the best she could offer me today to resolve my complaint was that I pay and the default be removed with no other explanation to the issues raised. She said she guaranteed that if I Pay 75.15. you have my word it will be removed when we receive payment.  They could not tell me what the bill was for nor provide a breakdown only that it had been generated.   I said it didn’t resolve my complaint, but I would pay based on what I’d been advised regarding my credit file.  I asked for the complaint be kept open as it was not yet resolved.  I asked for an email address for customer service, complaints, or the person dealing with my complaint.   I was told they don’t have a customer service e-mail address and that they are the complaints team as well.   Again, I stated the compliant was not resolved.    I asked how it could be resolved and  I requested an e-mail address/contact number for customer service/complaints/phone number.    She did offer for an advisor to call me back.    It’s been two weeks since I paid.  I remained on the phone while she said she was requesting the removal of the default.  However, the default remains outstanding on my credit file.  I didn't  receive a receipt as advised.  The money has been taken from my bank account. I have not received any correspondence either.   I'm awaiting the SAR still. 
    • Thank you. As there doesn't seem to be an address in their website, is the Companies House  address the correct place to send the letter of claim? https://find-and-update.company-information.service.gov.uk/company/01421773        
  • Recommended Topics

  • Our picks

  • Recommended Topics

Unexplained Bank Charges??


taylorit
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5420 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

This might seem odd but I have been having cheques and direct debits being returned unpaid yet CLEARED FUNDS are in the account to cover the amount and this has happened on 3 occassions since November 2006.

 

I have also received Bank charges and one of the charge relates to nothing, me thinks they thought they just give me a charge for no reason.

 

I have had £57.00 refunded so far. After requesting to speak to a senior person by phone the reply is they will phone you back and never do or receive the responsse to busy please write in.

 

Now is enough, I have contact BBC Watchdog today too. I Currently have £2,000+ in my account yet NatWest tell me insufficent funds for £36.00 direct debits.

 

Matt

Link to post
Share on other sites

Guest NATTIE

Can you explain more? Was a cheque paid into the account the previous week to cover Direct Debits? The odd charges you mention of £57 can you state what the amounts say on the statement? I need more info before being able to comment further. Was money paid in on the same days to cover Direct Debits? Were they returned by the bank or has the DD provider written to you to say they were not paid?

 

 

I'll come back to this one later on today.

Link to post
Share on other sites

10th Nov 2006 was last inward payment to my account by BACS was wages :)

 

On 28th Nov 2006 was 2 transactions, both were payments(expense) by cheque £248.00 and £58.00 was £337.33 of CLEARED FUNDS in the account.

 

Cheque for £248.00 was returned unpaid, £58.00 cheque paid.

 

29th November am over-refunded of the £38.00 charge.

 

1st November charged another £38.00 charge after funds were not in the account after I had arranged alternative payment to the payee and informed the NatWest not to honour the cheque.

 

29 Dec 2006 a bank charge, no idea what for :s

 

2nd Jan 2007 received another charge for £38.00 for a unpaid Direct debit of £36.00 yet is cleared funds in the account of £77.13

 

Below is a copy part of online statements "cut & pasted", account balance is before each transaction took place.

 

Account Balance: £337.33

28 Nov 2006 CHG UNPAID ITEM(S) , CHQ 248.00, SERIAL NO 000001 - 38.00

 

Account Balance: £241.33

29 Nov 2006 REFUND DD/SO UNPAID FEE - 19.00

29 Nov 2006 REFUND DD/SO UNPAID FEE - 38.00

 

Account Balance: £148.33

1 Dec 2006 CHG UNPAID ITEM(S) , CHQ 248.00, SERIAL NO 000001 - 38.00

 

Account Balance: £55.11

29 Dec 2006 CHG 01DEC A/C 345****9 - 28.00

 

Account Balance: £77.13

2 Jan 2007 CHG UNPAID ITEM(S) , D/D 36.00, BT DIRECT DEBITS - 38.00

Link to post
Share on other sites

Guest NATTIE

Sorry that does seem odd the first bit because it has been bounced but then the charges refunded. I would ask for an explanation from natwest as to why that happened. As for the second one another explanation as well is in order. £28 is unarranged borrowing but if the other two charges were refunded I have a feeling that one may need to be refunded as well if it was part and parcel of the same transaction.

Link to post
Share on other sites

Ya but no point was I ever overdrawn I writing to them anyhow as they refunded the first bank charge TWICE!

 

NatWest worst bank ever surely! They will not give me overdraft facility yet I got credit cards and that all £0 balance and overdraft facility on other accounts not used.

 

Matt

In Sunny Newbury!!

Link to post
Share on other sites

Guest NATTIE

Matt- surely you cannot want me to agree with you?:D

 

Matt also if a cheque was clearing you can be overdrawn on cleared funds but we need an explanation.

Link to post
Share on other sites

agree me with me if you wish.

 

Na funds of £2600+ in the account went in 2 weeks before and I defo not spent that much!

 

Anyhow Yesterday NatWest helped themselves again and failed TWO direct debits yet cleared funds in the account.

 

Today have lodged a complaint with the Financial Ombudsman who are now investigating.

 

Since November have sent TWO letters both got no reply, telephoned and was told cannot deal with this nature of complaint over the telephone, informed them no reply to letters she could not give me an answer. Go into the branch - cant see Bank Manager unless you got an appointment (probably because im complaining).

 

Moderated ... potentially libelous comments removed .

Please do not post comments on this site that may be seen as libelous

Link to post
Share on other sites

I am sorry but the last comment has to be moderated. The FSO will not look into the complaint unless it has first gone through the NatWest complaints Procedures. I would contact Customer Relations Unit either via a freephone number or via email or freepost, without knowing the account details(which I am not expecting you to provide me with as I will not look into for you) it is difficult for me to work out what has happened.

Link to post
Share on other sites

FSO is already looking into it as I have not had 1 response to the previous two letters, have posted a third letter on Friday with duplicates of the first two.

 

They had more than 8 weeks to respond its now 10 weeks since the first letter.

 

Just a joke whole bank is laughable. Requested an over draft facility - NO you do not hold enough accounts with NatWest :S bit of a wierd reason why.

 

Wonder if they would resolve the complaint if i issued consumer action group stickers n flyers outside the local branch for a week LOL

Link to post
Share on other sites

I think I will leave this thread alone now taylorit because while I am on here to help I do sometimes feel that me posting on a thread does not serve a helpful purpose. I still believe in the NatWest brand and its people which some may find surprising. I do wish you luck and I hope that the FSO will be able to get a response from what is clearly something that should not take a genius to work out with the account in front of them and should have been dealt with better than it has done.

Link to post
Share on other sites

  • 2 weeks later...
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...