REQ: Advice on a Suspended RBoS Bank Account

Some advice requested please.

Logged into my digital banking account with the Royal Bank of Scotland this evening to check my balance, and bizarrely, there was no record of my account. Phoned up direct banking and the automated system tells me my balance is zero. Getting worried by this time, I spoke to the Direct Banking advisor and then their supervisor, who between them, tell me that my branch has placed a "cashline hold" on my account and that they cannot access any information regarding it, can't tell me why it's been "held", how much my balance was, anything, and that I need to contact my branch on Monday...i.e no cash till then.

Very apologetic of course, and they did ask whether I had any other access to another bank account, or any credit card I could use in the meantime!!! Can't quite believe this has happened. First of all, that this has been done without any contact from my bank to tell me it was about to happen, or why they've done it, either before they did it or after...I just stumbled across it whilst checking my balance on a Saturday night. Then the fact that Direct / Digital banking can't explain to me why it's happened. My salary has been paid into this current account every week/month since opening it 18 years ago, and I've never been more than a couple of hundred quid overdrawn, and always within my overdraft limit.

Can they legally do this without telling me?? I'm looking for some any advice on what my options are, when discussing this with the bank manager on Monday....

cheers.

Reply to
H
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I doubt their actions are illegal.

I'm looking for some any

Once / if your local branch manager accepts that you actually have an Account there & if you agree the balance is correct. then you should consider the option of taking your custom elsewhere. That's not to say that you'll receive any better treatment anywhere else!!

Joe Lee

Reply to
Joe Lee

I've heard another RBoS customer say the same thing about their account.

Reply to
Jonathan Bryce

In message , H writes

Ive known something similar happen.

Top answer your queries, AFAICT, their online system is just a 'service' and you are not being denied banking facilities in respect of normal transactions within the working day, so it is not illegal. (If it were 'illegal' it wouldnt be breaking a law as such, but would be breaking precedent cases which establish the contract between the bank & customer such as in Foley v Hill (1848) and Prosperity v Lloyds the latter of which specified that a bnbaker should give reasonable notice before closing an account.

The telephone/online banking staff at RBS are not able to do very much at all, and they certainly cant make any decisions or commit the bank as such, so they are just stalling until you can speak to somebody at branch level.

I think this is just a systems problem. I have often noticed that my 'online' banking is out of sync with my actual account situation.

Reply to
john boyle

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