My Natwest Step Account is being changed to a Basic Account in November 2011

[QucikTipper]

Hi,

 

My Natwest Step account is being downgraded to a basic Account. I didn't mind until I found out I can only use Natwest, RBS or Ulster Bank branded cash machines in the UK or Gibraltar, and post office/Natwest counters. I wouldn't be able to use UK cash machines from other banks or providers.

 

I was given the option to apply for a current account. I'm on JSA and my credit rating is a nightmare.

 

An excerpt from Natwest letter to me: "We value your custom and would like to go on helping with your banking, but you also have the option to close your account."

 

I doubted threatening to close my account (£0.30p balance) would stir any fear of 'potential loss' within Natwests computer system so I simply went into the bank and arranged for a meeting.

 

I arrived for my appointment early and was seen half hour late. I'm the person pleading my case so I decided to remain polite & professional. After 30mins of flirting with a reasonably attractive branch manager, I left the bank with a brand new current account, life insurance and a warning about not going into the minus because the charges are £6 a day.

 

Moral of my story is:

Don't believe the news, don't panic, be professional & polite, and if you can't get a current account because of bad credit, learn to manage the small monies you have and try again 6-12mths later.

 

Worse comes to worse, flirt and sign up for life insurance at the same time