r/Natwest

I have just been issued a payment from GWR due to a late train and the only option for payment was using the NatWest Payit service.

I’m actually in shock that this is not anywhere else online and annoyed I didn’t take more screenshots.

There are major data privacy and customer information concerns with this service and I can’t imagine how much data they have been able to get hold of given how it’s currently set up.

The process:
- I claimed a refund
- GWR have my email and name and asked for my mobile number
- Unknown to me they shared all these details with Payit by NatWest who then emailed me and verified me with these details (mildly annoying but okay)
- I think get taken to a screen which gives me banks to choose from the top simply states to choose my bank I imagine it will be a simple fill out of details
- I choose my bank (which is also where I happen to work) and it takes me to my app and states the payment amount and a big button saying “accept access” or something like that. There is also a line in very small text which tells me once I accept it’s an indefinite agreement.
- This small line of text makes me stop for a second and I notice a drop down that says “data you are sharing” my assumption is it is simply my details to get paid, they don’t need anything more so why would it be more but I check anyway.
- I find a list of what will be shared and it’s basically all my banking details, my personal details, all my transactions both credit and debit and the details associated with those I’ve paid or received payment from etc. I have a screenshot but I can’t seem to add it to this post.
- I immediately exit and cancel the process because why would I share indefinitely complete access to my bank transactions and accounts to get a refund on a train ticket.
- On the main page I scroll all the way to the bottom and find a small “pay manually” button which is not mentioned at the top where you are told to choose a bank and I put in my account number and sort code as I expected.

I am just so shocked NatWest are basically data mining people using a service that is compensating people and making it super unclear they are doing this. Given the indefinite agreement is a data agreement I don’t get how there are no T&Cs or even contact info. I had to google who Payit was. Does anyone else know about this or have thoughts on how ridiculous this is?

I had one account and I started my own business. After years of everything okay, one customer whose demands for the work was not realistic. We finished the contract and thought nothing of it and then my banks locked. She put in a complaint and has taken me to Court, she has no leg to stand on and actually owes me at this point. The issue I have the bank has closed my account and when I I tired to open another it says they can’t and that’s because I have a fraud token on my name. This isn’t how the system should work and I’ve tried 6 accounts since and nothing. Does anyone know a business or personal account that I can use as I have no bank so can’t work at the moment unless it’s small jobs for cash (which I am declaring) can anyone help. Thanks

Back in June I raised a credit card dispute with NatWest regarding a £191 charge from a motorhome rental for damage (a plastic clip was broken). I have photo & video evidence showing I did not cause the damage.

I have been told they are closing the case because they never received my response providing evidence. However, one of the emails I received from them stated they couldn't accept videos as evidence, meaning they have already received part of my evidence as well as a statement of account.

The evidence I provided included the following:

Photos from check-in and check-out showing no damage.

Stills of the video

Evidence of my unanswered emails and phone calls to the company

A screenshot of the live chat stating this damage is normally covered by the additional insurance which I had purchased

Link to the insurance terms

Contact I had signed with the company I had hired from before they were sold to the new company. A new contract was never provided so all the documents are with the original hire company name.

The checkout report which I received 11 days after returning the vehicle, highlighted incorrect details. For example, the mileage stated 90k, but I received the van with 60k miles. Additionally, the report indicated 210 miles were driven upon return, but we had only driven 99 miles.

The email I received from the hire company stating they would withhold my deposit until I posted a positive review on various review sites, which I did not do.

I received an email confirming they had received my request and that a conclusion could take 45 working days.

After 50 working days, I reached out for an update and subsequently received all the evidence provided by the merchant.

I responded by showing that the photos provided by the hire company differed from mine; mine showed the wall was wood-panelled up to the corner while their photo showed a small section of wood panelling followed by a cream-coloured wall.

I had asked for time-stamped photos because the photos provided to me were unclear: they were a screenshot attached to a PDF document, occupied about 1/16 of an A4 page and were low quality and the time was just typed underneath

The link to the insurance had since been updated to exclude this damage from coverage. I pointed out that a live website that can be updated should not be used as evidence, as I never received a copy of this insurance as it stood at the time of purchase.

During the initial checkout, the staff member who checked us out took photos of the van and stated she could not see any issues. These photos have not been provided but they would show the van's status at the exact time of drop-off.

I also pointed out that if the time stamp is correct the checks were done over 24 hours later and there is no evidence I caused the damage, as it is unclear who else might have accessed the van during that time.

I had also requested a breakdown of how they arrived at this amount as the only evidence they provided to the bank was that the charge resulted from their internal estimates.

6 days after I sent all this over I called the fraud team because I saw the charge had appeared again. This happened two days before the deadline for my reply. I initially thought the hire company was charging me again, which other have reported happing to them via online reviews.

The fraud team said the case has been closed but they reopened it and added a note stating I sent over further information.

6 days after this phone call I was told the case had been closed because they did not receive any evidence from me.

Apart from asking for this to be turned into a complaint, can I do anything at this point to get my money back as I think I cannot raise this any further with Mastercard.

I am trying to register with dragonpass but i dont have a membership number anyone else having difficulty. I tried ringing but that stupid voice thing doesnt recognise the questions, ive tried cora and it just tells me to ring.

Also having difficulty with taste card as it is so long ago that i dont have the referal number

What are all the background checks natwest does speaking from the POV of a college hire. Or if you know in general for regular hire what is the process like

I'm hoping that someone has has experience doing similar and can answer the below so I know whether I'll be wasting my time or not.

1. I earn over 100k but salary sacrifice to approx 99k for tax efficiency. Would this stop me qualifying for the bonus or is it just the 15k paid in within 90 days they look for?

2. Can I do a bank switch with a secondary current account I have, rather than my main one, then transfer my salary from main current account into the natwest one? Or does the money have to be paid directly from my employer?

Thanks in advance.