Problem with NatWest please help
Feb 1st 2014, 9:34 pm
#47
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Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Re: Problem with NatWest please help
This seems very strange - they were required to notify your husband of the charges they were going to make, to his last known address. If he hadn't given them a new address then they would have kept his parents address on file as you are required to have a UK address in order to have a bank account with them (apparently).
http://personal.natwest.com/content/...Conditions.pdf
According to the Ombudsman advice on current account charges:
You could look at the different decisions on the above website, put in a search for 'national westminster bank' and select 'banking' in the drop down menu. http://www.ombudsman-decisions.org.uk/
http://personal.natwest.com/content/...Conditions.pdf
If we are going to charge you an Unarranged Overdraft Usage Fee or an Unpaid Transaction Fee, we will give you not less than 14 days’ notice of how much we are going to charge you and when.
How much notice do we give you before we take these fees?
We will always give you at least 14 days’ notice of how much we are going to take from your account and when
I think you may be able to challenge the charges as Natwest were required, under their terms and conditions, to notify your husband to any fees in advance to them being taken. If they didn't have any address then they should have notified him by email or phone. Normally, if they received any letters or statements back they would have put a hold on the account and contacted you by other means.How much notice do we give you before we take these fees?
We will always give you at least 14 days’ notice of how much we are going to take from your account and when
According to the Ombudsman advice on current account charges:
we can help where the charges:
• have not been properly applied in line with the terms and conditions of the account; or
• result from an error by the current account provider.
http://www.financial-ombudsman.org.u...nt-charges.pdf• have not been properly applied in line with the terms and conditions of the account; or
• result from an error by the current account provider.
You could look at the different decisions on the above website, put in a search for 'national westminster bank' and select 'banking' in the drop down menu. http://www.ombudsman-decisions.org.uk/
Last edited by Siouxie; Feb 1st 2014 at 9:37 pm.
