Does anyone know how banks work?
Im quite good with my pennies but after crimbo n'all I had to delve into my overdraft by £100 to keep me in alcohol and food and whatnot. I have reciepts to prove my overdraft was only minute, however, my statement arrived yesterday claiming I was £1,885 overdrawn!!!

I marched into the bank this afternoon and demnded an explanation. The banker man printed off a summary of my statement and sure enough it claimed I was only overdrawn by £100 and it must have been some sort of misprint despite the fact that it clearly states next to the imaginary value of my account 'direct debit'.

I couldnt be arsed arguing so I left, feeling quite stupid. I have my monies now but this isnt the 1st time that this has happened. Can someone shed some light on the matter please before I go insane? And will this affect my credit rating?

Bank = Natwest

Thank you all
(i should have joined myspace, Fri 30 Jan 2009, 14:32, 4 replies, latest was 16 years ago)

Natwest
stands for 'Nah, All That Wonga Everyone Saves is Thrown out'
(tiger blood and Adonis DNA, Fri 30 Jan 2009, 14:35, Reply)

1991
This happened to me in 91 at the Natwest. Opened up a student account. Got a nastygram a few weeks later asking me to pop in and explain the reason for the £27,000 overdraft.

Now I'm good, but not that good. I did question them in that they allowed me to "spend" that.

As it turned out, they recycled account numbers and ended up debiting an old cheque that must have surfaced at the same time.

Incompetence basically. What did you think the answer might be!
( I have run out of coke is a little sweaty, Fri 30 Jan 2009, 14:46, Reply)

Banks work thusly:
1. You give them money
2. They shit it all up
3. PROFIT
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Fri 30 Jan 2009, 15:03, Reply)

@coke
I thought they were trying to swindle me out of my money and claim it to be my fault.

Either way they are all shitters.
(i should have joined myspace, Fri 30 Jan 2009, 15:43, Reply)