Changing my bank - recommendations?
21 September 2007, 02:00 PM
#1
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Changing my bank - recommendations?
I've decided to move from the Halifax.
My wife has an account with them and went over her overdraft of £100 by a £1.
For that, they are charging £58. I know she should take more care of finances but its happened. You would think after having the account for 15 years they'd be a bit more sympathetic but thats banks for you.
Plus after their treatment regarding my previous broadband supplier and the Direct Debit, I've been meaning to do it for a while.
We have 3 accounts with them plus savings.
Are some banks still giving money for new accounts?
ALSO - if anyone has a link to the standard letter to banks re: charges I'd be greatful for it.
ta
My wife has an account with them and went over her overdraft of £100 by a £1.
For that, they are charging £58. I know she should take more care of finances but its happened. You would think after having the account for 15 years they'd be a bit more sympathetic but thats banks for you.
Plus after their treatment regarding my previous broadband supplier and the Direct Debit, I've been meaning to do it for a while.
We have 3 accounts with them plus savings.
Are some banks still giving money for new accounts?
ALSO - if anyone has a link to the standard letter to banks re: charges I'd be greatful for it.
ta
21 September 2007, 02:04 PM
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21 September 2007, 02:05 PM
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P.s. colleague at work used his templates for reclaiming bank charges and successfully received about 70% of what she was asking for.
21 September 2007, 02:10 PM
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Clarebabes - spot on there mate, those templates have been carefully thought about covering all angles
DO NOT go with RBS, my mate has had over £5k in charges in the past 4 years! My missus had the same problem then went with co operative bank - so far so good
DO NOT go with RBS, my mate has had over £5k in charges in the past 4 years! My missus had the same problem then went with co operative bank - so far so good
Last edited by wrx-kris; 21 September 2007 at 02:12 PM. Reason: angLEs not angels....
21 September 2007, 02:22 PM
#6
I've been with the RBS for the last 15 years after Barclays done the same as the Halifax except i was OD for 35p 
The RBS have been good for me and get no complaints on their service or charges, stay in the clear and you wont be charged. Direct Banking is good too for when i need it. Had no problem in various branches across the country with any of their staff either. They get a thumbs up from me
The RBS have been good for me and get no complaints on their service or charges, stay in the clear and you wont be charged. Direct Banking is good too for when i need it. Had no problem in various branches across the country with any of their staff either. They get a thumbs up from me
21 September 2007, 02:23 PM
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I don't know if it makes any difference but all three accounts only have £100 overdraft on them.
Some gives good overdraft rates (A&L) but that doesn't seem beneficial to us. Abbey offer 8% up to a certain amount but a higher overdraft rate.
lpski1 - there isn't an RBS branch in town, nor A&L.
Some gives good overdraft rates (A&L) but that doesn't seem beneficial to us. Abbey offer 8% up to a certain amount but a higher overdraft rate.
lpski1 - there isn't an RBS branch in town, nor A&L.
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21 September 2007, 02:30 PM
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Nationwide are a fair weather bank.
If you do any naughty stuff (bounce a DD, go over your OD limit etc) they clamp down pretty quickly.
I am looking to move away from Nationwide as soon as I can.
If you do any naughty stuff (bounce a DD, go over your OD limit etc) they clamp down pretty quickly.
I am looking to move away from Nationwide as soon as I can.
21 September 2007, 02:31 PM
#10
I don't know if it makes any difference but all three accounts only have £100 overdraft on them.
Some gives good overdraft rates (A&L) but that doesn't seem beneficial to us. Abbey offer 8% up to a certain amount but a higher overdraft rate.
lpski1 - there isn't an RBS branch in town, nor A&L.
Some gives good overdraft rates (A&L) but that doesn't seem beneficial to us. Abbey offer 8% up to a certain amount but a higher overdraft rate.
lpski1 - there isn't an RBS branch in town, nor A&L.
RBS | Instant access accounts | Cash ISA, and other savings accounts savings if any use for you.RBS Personal banking | Apply for a Key Account current accounts with OD rates.
(no i dont work for RBS)
Last edited by lpski1; 21 September 2007 at 02:35 PM.
21 September 2007, 02:34 PM
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21 September 2007, 02:35 PM
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We get paid via cheque at the moment so need a branch.
Abbey is only across the road from our offices so might have a look there.
I know all banks will charge for what has happened but I still want to move.
Don't worry about punishment. She knows I'll be stingey with the lube this weekend
Abbey is only across the road from our offices so might have a look there.
I know all banks will charge for what has happened but I still want to move.
Don't worry about punishment. She knows I'll be stingey with the lube this weekend
21 September 2007, 02:37 PM
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21 September 2007, 03:07 PM
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Wait a min, have you been spending my money on upping your membership so you can infract?
....and whats that sh1tty WRX logo? People will think you can't afford a good car....and are driving around in the council estate choice of fastish car.
FFS
....and whats that sh1tty WRX logo? People will think you can't afford a good car....and are driving around in the council estate choice of fastish car.
FFS
21 September 2007, 03:49 PM
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21 September 2007, 03:57 PM
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21 September 2007, 04:35 PM
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If you have savings then you should have some clout with the bank.
For the first time in 10 years I was charged by the Co-op Bank, total of £54.
One quick phone call advising all our accounts woul be closed and all our savings would be withdrawn and they couldn't refund it fast enough.
Have you tried speaking to them?
For the first time in 10 years I was charged by the Co-op Bank, total of £54.
One quick phone call advising all our accounts woul be closed and all our savings would be withdrawn and they couldn't refund it fast enough.
Have you tried speaking to them?
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