Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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Natwest are fucking tools.
i have 2 accounts
1 of them has a £300 overdraft
1 of them has a £1000 overdraft
i had £450 in account 1 so i wasnt in my overdraft
in account 2 i had £700 so £300 in my overdraft.
Natwest have decided today to remove my overdrafts
leaving me with 0.00 money for the next month
i have direct debits going out and rent etc
Yea they may be saving me £100 but they have swallowed my cards
and shut off my online banking
i have no money what so ever
They didnt even write to me or tell me i had to find out thsi morning when trying to buy some shopping
/ Rant over
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Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
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And why have they done this?
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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Probably better in the long run.
I hated living in debt many years ago.
I don't have or want an overdraft now.
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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quote:
Originally posted by mobby
And why have they done this?
Because they " legally " can said my adviser
if you have money in your account and you have an overdraft
they can take all your money.
this country is great
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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If you're really fucked, try going to another bank and opening another account with an overdraft, and keep your money in cash.
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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But who is really the tool? They did you a favour by giving you the money, so you should pay it back. How long have you had an overdraft in the accounts
What was the need to have an overdraft anyway?
9/10 people who have overdrafts tend to just waste the money on alcohol, clothes, and accesories for their car. Nothing they actually need so i have no smypthay for them.
A few of my friends are the same. One friend lives at home (well of family) earns £16,000 a year and has only just turned 19, yet he struggles to pay for a £700 corsa and put fuel in it. He owes £0000's and that all he has to show for it. Just wastes it on fags and drink, and then moans when the bank takes it off him.
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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The bank offered me the overdraft and i used it on putting a deposit down on our house, yes i should pay it back but they could inform me 1st letting me know they are taking some money out the only reason i found out was because my cards got swollowed.
Blukoo, just tried that and got denied lol
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by Markus
quote:
Originally posted by mobby
And why have they done this?
Because they " legally " can said my adviser
if you have money in your account and you have an overdraft
they can take all your money.
this country is great
Im sorry but what is wrong with that.? 
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by Markus
The bank offered me the overdraft and i used it on putting a deposit down on our house, yes i should pay it back but they could inform me 1st letting me know they are taking some money out the only reason i found out was because my cards got swollowed.
Blukoo, just tried that and got denied lol
How long ago was this?
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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quote:
Originally posted by richc
quote:
Originally posted by Markus
quote:
Originally posted by mobby
And why have they done this?
Because they " legally " can said my adviser
if you have money in your account and you have an overdraft
they can take all your money.
this country is great
Im sorry but what is wrong with that.?
imagine waking up one morning trying to look at your bank account and its says 0.00 what would you do ?
The thing thats annoying me most is they never actually told me what was happening or going to happen
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by Markus
quote:
Originally posted by richc
quote:
Originally posted by Markus
quote:
Originally posted by mobby
And why have they done this?
Because they " legally " can said my adviser
if you have money in your account and you have an overdraft
they can take all your money.
this country is great
Im sorry but what is wrong with that.?
imagine waking up one morning trying to look at your bank account and its says 0.00 what would you do ?
The thing thats annoying me most is they never actually told me what was happening or going to happen
Yes i would be pissed off because i dont owe money, so i would think it was stolen!
How long have you been in the overdraft?
[Edited on 17-06-2009 by richc]
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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been in the overdraft just under 2 months now and paid £7.95 in intrest
i thought it was stolen because i didnt think thhe bank could do this
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ed
Member
Registered: 10th Sep 03
User status: Offline
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quote:
Originally posted by richc
But who is really the tool? They did you a favour by giving you the money, so you should pay it back. How long have you had an overdraft in the accounts
You've done the bank a favour by using the overdraft and paying interest on the balance. Banks aren't nice little helpers out there, they are there to make money.
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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So they have cleared £300 debt from account 2?
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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quote:
Originally posted by corsa_tomtom
So they have cleared £300 debt from account 2?
They have taken £900 of my money and clered account
( £300 ) overdraft.
The rest of the money hasnt been " explained " yet i have to wait for a letter through the post to find out whats happening with the rest
£600 has gone walk abouts basically and they wont explain it over the phone it has to be done via letter
[Edited on 17-06-2009 by Markus]
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ed
Member
Registered: 10th Sep 03
User status: Offline
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I'd close my account and take my business else where.
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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I would just go to the bank and demand to talk to the manager or anyone high up in authority.
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by ed
quote:
Originally posted by richc
But who is really the tool? They did you a favour by giving you the money, so you should pay it back. How long have you had an overdraft in the accounts
You've done the bank a favour by using the overdraft and paying interest on the balance. Banks aren't nice little helpers out there, they are there to make money.
Yes, but if they didnt go this, they wouldnt be able to offer him his 'deposit'!
So they are doing ud a favour really, and your paying for the privillage. Im sorry but this is why the countrys banks is a mess; Borrowing to people (banks take blaim aswell) who dont pay it back!
Imagine if it was the other way around. You are Mr natwest, and you are owed £700 for example, and the person doesnt pay it back, even though they have money in their account, and keep getting money paid in!
EDIT
Sorry this isnt you case though. I understand where you are comming from now. I didnt read the thread properly.
By you saying £300 over draft, and a £1000, to me that says you owe £1300, not that £1300 is your over draft limit!
[Edited on 17-06-2009 by richc]
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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you acting like its your money, when you are overdrawn its no longer your money its the banks money, mine is £200 limit but hardleys use it, im going to extend that because i will have to go a month without wages lol
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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i know full well its not my money,
the fact is they took the money without informing me leaving me with nothing, i'll be changing banks soon as all this is done
i have to survive another month with 0.00 in my pocket
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Disgusting, they normally do this shit when they aren't making money out of you.
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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Sold my car so i could actually have some money and pay abit of the overdraft on instead they are greedy fuckers and took it all
onwards and upwards i suppose
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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shouldn't be living in your overdraft at all to be honest.
i've never had an overdraft and i don't see why you would want one, unless for emergencies, but then thats what a credit card is for.
natwest are a brilliant bank imo, always helped me.
oh, but the taking it without telling you a month beforehand is pretty shit. perhaps phone them up and speak to them about it rather than ranting on CS???
[Edited on 17-06-2009 by Ben G]
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Markus
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 19th Nov 07
Location: Beverley - East Yorkshire
User status: Offline
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it all has to be done by letter
rang them up loads and get the same answer
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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thats bollocks, they just can't be bothered talking about it. keep on at them.
how can you reply to a letter with no money to buy stamps?
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