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.