I am astudent and have very little income. i do have standing orders for which i try to insure the correct money is in the account for. however i have recently had an incident where the company who i have a standing order with withdrew the money before the date they stated it would leave my accout. i there fore became overdrawn with no over draft. it was only like 10p so i put the money in and thought that was that.
no i then recieved (with no formal writen warning) a £20 'fine' for going over drawn. but this made me go overdrawn again. and you guessed it the following month i recieved (again with no notification) another £20 'fine'. so in total i have been fined £40 for going 10p over, which if you have no income is a hell of alot of money.
they then sent me a letter advising me to get an overdraft limit, which i did. so i now have a £50 overdraft.
i have now found that i am missing £49 out of my account for which i can offer no explination. i have tried to contact the help line with they claim is there when ever you need it. ha ok so it was like midnight but still i needed them and they werent there.
i feel that this company is out to get people with low incomes (and its not just Natwest) its most banks. clearly if you have to go into your overdraft you have money issues so giving such a huge 'fine' is unfair. it only pushes the poorer into a despreate situation.
i think that the banks should feel ashamed of themselfs.
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