to want my bloody bank to have a brain!

[adviseneededasap]

checked my balance this morning to find that I am over £600 overdrawn on an account with no overdraft facility. Called Natwest and they said that there are 13 debit card transactions to my local papershop for the same amount (£57.76) taken overnight; these are from the 10th June!!! Checked my online statement and this payment was taken on the 11th June

All they could say was to phone the Visa dispute team at 8am. Just got off the phone from them and as they are 'pending' they can not do anything yet but to speak to the retailer. I told them that it was just a local papershop and it has left me seriously overdrawn and was told there is nothing they can do!

Why can't a bank realise that these transactions can not be real and offer me more than "ask the retailer"

xAs long as they get the charges money they couldn't give a shit one way or the other...but then you already knew this.

just called the paper shop and I am the 2nd person to call about it today! The first lay though just had 5 transactions taken overnight (but hers were from this week and not 2 months ago!). They have got to wait until 9am when they can call their bank/payment processing centre then they are calling me back.

If I use my card more than normal (for example christmas shopping) then the fraud team intercept and request confirmation from me via password letters on the phone (usually in Next!) so why has this been allowed to go through overnight?

Because banks are run by morons!

Because they only look after your account properly if they feel like it.

I'm supposed to get emails and texts when I go overdrawn..sometimes it happens, sometimes it doesnt.

Don't worry about it, if it wasn't your fault the paper shop's bank should be able to rectify everything and you won't be liable for any charges. Your bank haven't really done anything wrong, just processed the charges that were put through, you should be angry at your paper shop's bank.

Switch to Lloyds - you can set up text alerts if your balance goes below a level that you set. Mine is set quite high, so I get texts every day telling me what the balance is :)

It is my bank I am really pd off with rather than the papershop although it is their payment centre in the wrong as they are supposed to have systems in place to stop fraud and not allow their customers to go seriously overdrawn by 13 transactions of the same amount, from the same shop for the same amount to go through

Once you get this sorted change your bank.

Robot - I have this with Natwest which is why as soon as I got up this morning I was aware...they went through overnight

which bank though? the other lady apparently banks with Lloyds (she only had 5 transactions go through not 13)

Sounds to me as though the retailer has had one of those thingeys fitted to his machine whereby someone can scan and scam your card.

just been down the branch and thankfully they were a lot more helpful than one the phone!

Apparently the fraud systems did not flag it as I use this shop on a nearly daily basis but they are taking my query about the number of times the same amount was allowed to go through with serious consideration for future.

Although there is not a lot that can be done today, they will either disappear as if nothing happened overnight or if they are still showing tomorrow with the full name of the transaction )at the moment just showing as point of sale Switch) then the visa/switch team can refund immediately.

took a printout of these transactions to the paper shop and I actually felt really sorry for the manager - apparently all card transactions that occurred on the 10th June have been affected and she is having customer after customer in complaining and their processing centre do not have an answer yet as to why this has happened.

Luckily for me I have cash in another account which I was able to withdraw (advised by the bank not to transfer to my current account to cover these transactions). But it is very worrying and disturbing that if I didn't have that cash available what I would have done until it was sorted out

This is the paper shop's error- not natwest's. They can literally do nothing until the payment is fully processed in which case it can be processed as unauthorised, or the paper shop rectifies their mistake. The fact they've told you you're not the only person to be affected says it all. The bank can't do anything, otherwise everyone woul be contacting asking them to reverse payments when they'd realised they'd spent to much! It is a pain in the ass when you're affected by this kind of thing though

I do understand that it is the shop's processing at fault - my anger was directed at Natwest as their fraud system did not pick up that 13 transactions to the same company for the same amount were allowed to happen overnight.

Whilst I understand that as I use this retailer on a nearly daily basis so the mechaniser would not have flagged; shouldn't the number of times for the same amount not have been picked up?

Too many b's in your title. I keep seeing it and reading 'want my bloody brain back'