[keithwalton]

It would appear natwest are clued up on this subject, Due to poor wording (and not sending a guide until the second statement! too late!) they took my account overdrawn and between my main account and my cc they charged me £48 for the boo boo.
Well i got a letter back to them today apologising for the lack of clarity and the cc fee has allready been paid back (£10) and that if i send them a statement of theres back to them i can get the other £38 repaid.

I mentioned this ruling in my complaint to them and they also mentioned it in there letter thinking there charges were 'fair' yet they'll refund me anyway.

Though this was from the credit card part of natwest which only charged the £10, it was natwest bank that charged the extortion though the cc part is footing the bill.

I can however hardly believe natwest sometimes, they are all the same company yet they wont ever talk to each other and getting them to change address with them is a pain, they just say on the statements if you move let us know ...
tell the bank they change it on the computer sorted so you think, they dont tell the cc part that you have moved!
The cc people dont give you information how to tell them that you have moved! apparently its on the back of the statement but all i can see is the normal 'if you're moving addresses please tell us' then proceeds to list a load of phone numbers for stolen cards, card protection and holiday insurance, as well as a addy for complaints.
no number / addy for general enquiries etc! :@