Posts Tagged ‘bank’

Debit card delivery problems

Tuesday, February 23rd, 2010

A few weeks before leaving the country for a three month holiday I got a letter telling me I’d get a new debit card soon. Obviously I didn’t want it to be delivered in my absence so I went to the branch and told them that I didn’t want a new card to be sent out, and that I would re-order a card when I was back. The staff member did some typing away on the computer. I was assured by the staff member that no card would be delivered whilst I was away.

visa debit card fail

On returning from holiday I found that a new debit card had been delivered. I tried it and found that the card didn’t work. They had posted me the card and it was cancelled by the time I got home.

I went to the branch and waited patiently in branch for 20 minutes without being acknowledged or being told there would be a wait, whilst the customer service guy dealt with another customer.

When he finally served me he said that the card could not be re-activated. He said a replacement card would be ordered the next day and delivered to branch as I’d asked. I’ve had cards delivered to this branch many times before so I didn’t expect any problems.

A few days later a delivery man called at my flat, and gave me a letter. Inside was a NatWest debit card. I’d asked for it to be delivered to the branch, but here was a debit card arriving at my door.

I phoned the card activation line and they activated my card.

I went to the cash machine, put my card in, and typed in the PIN number. I got a message saying the card had not been activated and was now cancelled.

How can this be – I just activated it!

I phoned their customer care line and told them what had happened. The lady was very polite but seemed a little confused as the number of the card in my hand did not match the number on her computer. I asked her if she could see my card on the system. She could, but it was not the latest card!

After a bit of talking we figured out what had happened. The guy in my local branch had in fact ordered two cards for me at the same time. The first had gone to my home address, and the second was going to be sent to the branch.

When I called up the card activation line the lady activated the latest card (the one going to the branch, which I had not yet received). This was a reasonable thing for her to do as she wouldn’t expect there to have been two cards ordered for me. So the card which arrived at my home had not been activated which is why it got cancelled when I put it in the machine.

I said I was worried as their security system of activating the card when it arrives in the customers hand had not worked. Because of the mistake made by the bank employee my card was now active, but still in the post.

She said she would investigate and someone would call me back in the week. I gave her my mobile number as I was going to be out at work all week.

A few days later when I got home I saw a message on my home answering machine. It was someone from NatWest. Despite me telling her to phone me on my mobile she had called me back on my home phone. The message from the lady said that she would call me back tomorrow and she left a reference number.

I called the number and had to wait about 10 minutes to get through. I gave my reference number. The man who answered it gave me what information he could. He said he would add a note to the file telling the lady to call me back on my mobile.

The next day I arrived home and found another message on my answering machine. The lady had called me back on my home phone. It seems that telling them to call you back on your mobile is of no use!

I didn’t bother calling back this time. I decided I’d just wait until the weekend and see if my card turned up in the branch. During the week I got another message on my home phone telling me the card was on its way to the branch.

At the weekend I went to the branch, and finally was presented with a working debit card :)

Here’s a summary of what went wrong.

  • They sent me a card whilst I was out of the country despite them assuring me that they wouldn’t send one.
  • On returning from holiday I asked for a replacement card to be ordered and sent to the branch. They ordered two cards for me. One sent to my home and one to the branch.
  • They activated the wrong card when I called their card activation line.
  • I was called back on my home phone when I’d asked to be called on my mobile.
  • When I called them back and told them again to call me on my mobile, they again called me on my home phone.

NatWest got there in the end (the staff were always polite and helpful with when ever I dealt with them), but there were far too many little human, and procedural errors along the way. I’m still a customer though!

Incomplete banknote from cash machine

Monday, February 15th, 2010

What would you do if you went to a cash machine to get £20 and got the below two bank notes?

NatWest cash machine banknotes

This is what I got when I used a cash machines in London recently. One of the £10 notes is fine, the other is only about 3/4 complete.

This obviously isn’t good as no shop will accept a note like this (unless they don’t spot it). You won’t be able to use it in a machine – they check that you feed them a complete note.

The easiest option is to take the note to the bank whose cash machine it is and ask for a replacement. As it is their fault you have a dud note they should give you a replacement – unless they feel like being awkward. If is very hard to prove that this bank note came from their machine so if they feel like being awkward there’s not much you can do.

Failing that you could take the bank note into another bank and ask for a replacement. Just be polite and hopefully you’ll get what you want.

Your chance of success probably depends on how complete the note is. If the note has both serial numbers, the silver thread, and is over half complete then you’ll probably be ok.

If you have less than half a note then you won’t get anything – if it was possible to get a full £10 from just half a £10 then everyone would be ripping their banknotes in half to double their money!

If you really can’t get any luck from your bank or another bank then you can send your note to the Bank of England. You can fill in a Mutilated Notes claim form and post your note to them. Of course there is a risk that it will get lost / stolen in the post, and it will cost you an envelope, a stamp and some time, but if you have exhausted all other options then give this a go. The currently replace about £40 million worth of bank notes each year.


I had to wait until the weekend before I was able to visit my local NatWest branch but when I did they exchanged the incomplete banknote for a complete one with no fuss. I just told them that one of their cash machine had given me a £10 note with a bit missing from the end, and asked them to swap it for a complete one.