Advantage Gold Card

[hedgey06]

Comment? Absolutely!

 

My personal opinion (not endorsed by anybody else) is that Advantage Gold is one of Nat West's biggest money-spinners ever. They charge you a monthly fee for services that you rarely (if ever!) use.

 

I found out a few years ago that my account had been converted to an AG account without me actually signing up for it. Why was it converted? I withdrew cash from the bank with a cashier who had a chat with me about the benefits of AG............ and then promptly converted my account to AG without my consent!

 

If you're sure that you never signed up for the AG account ask them for your signed agreement. It could be that you could actually get these fees back (many have to date) on the basis that you didn't agree to this account and that you don't benefit from it in any way shape or form. And I'm pretty sure that they have a duty to prove that you agreed to have this account.

 

Go for it - I hate the whole AG scene with a passion and, to be honest, I'd love to see it scrapped!

[hedgey06]

How about a full subject access request? Not just an exercise in sending out bank statements - but a request for all information stating that you require signed agreements (including the info they should have on file pertaining to the AG account).

 

If they can't produce anything under the S.A.R - (Subject Access Request), I'd assume you could challenge the account fees on this basis. E.g., you didn't sign up for the account, you didn't agree to the account, you want a full refund of the fees levied during the period of time you've had AG, etc.

 

This could be really interesting - I haven't seen anybody successfully challenge the AG account from this angle before. Although you could have a real battle on your hands with them. What do you think Steven?

[hedgey06]

Best of luck with this - I think it'll be really interesting to see what Nat West do once they receive your prelim. They may possibly scrabble around looking for anything that you could have signed that relates to the AG account. But if they can't produce it/prove that you agreed to open it................. watch this space!

[hedgey06]

Well they are very rude, but no more than usual. They have not even responded to my request under the Data Protection Act non-compliance. Will I report them to the Information Commissioners Office and then issue a claim via the court to get this information. They have failed to supply me with information of other matters.

 

TBH, I don't think you have any other option except the above. If they fail to comply and you need the data to proceed further (which you do) then they've left you with no choice whatsoever.

 

However, to save you any immediate fees at a time when money's short (xmas and all that!) how about one last shot with a final warning letter?

[hedgey06]

Your rant is totally understandable hun! IfI had a penny for every time I'd ranted about Nat West, I'd be a rich woman by now....... trust me!

 

Hopefully, you'll get your chance to show (one day) that Nat West aren't worth the paper they're written on - whereas you are worth far more than they could ever become.

 

So give them one last chance.............. and then hit them with everything that you've got. And you'll get support every step of the way........... so at least you'll know that you're facing them head on with some back-up! x