Best way to avoid bank charges?

[Foogirl]

I don't particularly think Natwest is a very good reliable bank though when it comes to what money you have, when i look online 50% of the time the balance it says i have is wrong, when you actually look at your transactions you can see you dont actually have the amount they tell you.

Also they got me when i went to a cashpoint they said i had 133 AVAILABLE FUNDS, when id looked online the morning i only had 33 .. so i assumed a backdated child benefit or tax credits had gone in, when i got home looked again that 100 clearly never existed.

I'm with RBS, part of NatWest, their online banking is very clear. It will tell you what available funds you have, but will note any payments which haven't actually cleared yet. My "available funds" amount includes £200 overdraft.

This is where the discipline comes in. Know how much money you have going in, know how much you have going out each month and work out how much you can spend. Don't spend any more than that.

 

[DizzyMoo]

They have to honour payments to shops, its totally shit! I paid for petrol once and has well over £80 in my account when I paid for it. However interest and another payment came out BEFORE the petrol station put the payment to the pant (ten days!!) and so the bank had to honour it and I went overdrawn!

However, my bank are chancers to! I check it online and one day I will have like say £80 available, then nothing goes in or comes out, and it goes up to £100+, then the next day its down to like £60 - an there will be no transactions for about 4 or 5 days. I actually started doing screen prints the last few times this has happened as I am so scared to spend anything as I am never sure exactly what's in there! And thats N&*"£$T.

This is exactly what happens to me with natwest, you never know where you are with them at all. They also allow me to go overdrawn sometimes with an unagreed overdraft & then have tried to charge me for it, ive gone in playing nuts & they have had to refund the charges.

 

[Frankie]

Speak to there customer services I had exactly the same thing 3 months off the trot they didnt bother notifying me like they should (this is Abbey BTW) the Indian I spoke to reversed the £5.00 charge as a gesture of good will but i still had to pay the £30 this month - my own fault though

Oh get there number off the say no to 0870 site you can get a free phone number