[msmasood]

I think the problem is Natwest. The dealings we have had with them as a family are somewhat similar, also refused to replace a broken bank card, had a cashier verbally abuse us for wanting to take our money out on a saturday and many other things. Leave, take your business elsewhere, Barclays and Nationwide have been much better!

[Impinger]

Originally Posted by stud u like

Somehow I don't think this is true.

You don't need identification to unfreeze an account.

So how exactly do you get your account unfrozen? Just mosey on in to the branch and say "this is my account and it's been frozen, so I want it unfrozen".. and they just do it, no questions asked? I don't think so. If you do it via phone banking then you'll have been through the security questions already to prove who you are, and if you do it in person at a banch, then you'll need ID to prove who you are.

[Impinger]

Originally Posted by chenks

or.......

the entire "story" could be made up. i'm sticking with that theory.

a new user signs up to "digital"spy to complain about poor bank service. seems a strange forum choice to make to do that.

Originally Posted by nafanny29

Of course its made up. Total bollox the lot of it. He probably got declined and decided to try and bad mouth them from behind his keyboard!!

yer.. it does all sound very iffy. Bank account has just been frozen so no access to money.. yet magically has £500 on them to pay a deposit on a car. Asides from that, I can't imagine a bank paying a loan into somebody's account and then freezing it til they prove what they want the loan for.

[sunnymeg]

Originally Posted by fredster

If the bank manager chewed gum when he spoke to me, i would not be as gracious as you have been.

I bet he's not the actual bank manager, more likely a customer advisor as they can be called managers. All sorts of bank people are now called managers as the banks think it makes them sound more qualified when they interview people. The actual real bank manager was probably tucked away in his office.

[stud u like]

Originally Posted by Impinger

So how exactly do you get your account unfrozen? Just mosey on in to the branch and say "this is my account and it's been frozen, so I want it unfrozen".. and they just do it, no questions asked? I don't think so. If you do it via phone banking then you'll have been through the security questions already to prove who you are, and if you do it in person at a banch, then you'll need ID to prove who you are.

I just phoned them up when my bank account got frozen due to forgetting the password.

Most people know me in my bank as I have been banking there since I was a teen.

[stud u like]

Originally Posted by Impinger

So how exactly do you get your account unfrozen? Just mosey on in to the branch and say "this is my account and it's been frozen, so I want it unfrozen".. and they just do it, no questions asked? I don't think so. If you do it via phone banking then you'll have been through the security questions already to prove who you are, and if you do it in person at a banch, then you'll need ID to prove who you are.

You don't need it when you are well known in the bank.

[Addisonian]

Originally Posted by stud u like

I just phoned them up when my bank account got frozen due to forgetting the password.

Most people know me in my bank as I have been banking there since I was a teen.

Originally Posted by stud u like

You don't need it when you are well known in the bank.

Maybe the OP isn't 'well known' in the bank. For you to suggest that their story is made up based on the fact they were asked for ID to unfreeze their account is ludicrous.

Asking for ID to unfreeze an account sounds perfectly plausible to me. I actually find it unsettling that the bank wouldn't ask you for ID simply because you are 'well known' to them and have banked there for years.

[Addisonian]

Duplicate

[stud u like]

Originally Posted by Addisonian

Maybe the OP isn't 'well known' in the bank. For you to suggest that their story is made up based on the fact they were asked for ID to unfreeze their account is ludicrous.

Asking for ID to unfreeze an account sounds perfectly plausible to me. I actually find it unsettling that the bank wouldn't ask you for ID simply because you are 'well known' to them and have banked there for years.

If they did, we would close our accounts and take our money elsewhere.

We like the personal service and chatty conversations our bank provides.

After all, we pay for it.

[Addisonian]

Originally Posted by stud u like

If they did, we would close our accounts and take our money elsewhere.

We like the personal service and chatty conversations our bank provides.

After all, we pay for it.

Personally, if my account was frozen, I'd be more than happy to provide them with ID to unfreeze it; it'd give me more faith in their security measures regardless of how well they know me. I just feel that, when it comes to my bank accounts and money, there is no room for lax attitudes.

[Kaldingo]

I have no problem with having to provide relevant ID, it only makes sense and I think if a bank doesn't ask for this then something is very wrong. The only issue my small brain can't comprehend is:

- BANK gives me money
- I WITHDRAW a large amount of it (after checks, ID, manager approval, proof of money's use via deposit slip)
- I try to USE my card to find it frozen and card cancelled
- I'm required to call fraud prevention WHILST at the branch BUT apparently it's closed on weekends YET I call them from my mobile no problem??
- Fraud prevention tell me "IT'S UP TO THE BANKS DISCRETION", bank refuses, manager laughs...

Now, I really don't care about the poor service. I'm not there to make friends or find a soul-mate HOWEVER I do wish for them to do their job, weather it's with a smile/helpful or depressed/not caring I don't care. The outcome should be the same either way? There must be a certain procedure to correct this, e.g. "bring ID- check- unfreeze". I feel I'm being faffed about but hey, I guess they have me by the jewels and I have very little choice.

Anxiously awaiting Monday. I will go back into the same branch and attempt to resolve this stupidity.

[darkone338]

I'd be switching banks to be honest... its so easy to do now. Why give these idiots any further time to make money off your custom, theres plenty of other choice!

[chenks]

Originally Posted by darkone338

I'd be switching banks to be honest... its so easy to do now. Why give these idiots any further time to make money off your custom, theres plenty of other choice!

considering the OP just got a sizeable loan from them, i don't think it will be that easy to jump ship, unless of course the loan is paid back forthwith.

[TheSword]

Write a formal letter detailing the events, notifying them that you taking your cooling off period option and are cancelling the loan, and you expect the money you had in your account to be sent to you by return, failure to do this will result in court action, then change banks, and when they don't comply to your request, notify them that you are taking them to court and then take them to court for the money you had deposited with them and also around £50 per hour costs for the time you have taken to try and resolve this.

Give them as much hassle as you can, spend all day there if need be to get your message across, and annoy the hell out of them, this is simply not on.