Natwest. Where do I start.! They have just closed my joint account with zero notice and zero explanation. They hide behind a blanket that a decision has been made and cannot be reversed. No-one is prepared to enter a discussion. What business closes a customer account with zero communication, they would not deserve to be in business. The only reason I found out was because i tried to use my card in a store and it was declined, then yesterday, i spent nearly 3 hours on a holding pattern as I was passed from department to department.....and still no explanation. They finally said that a letter was sent yesterday (some 3 days after the account was closed), which would be the first official communication that the account was being closed. An account that has never been in arrears.