Quick rant this one!!been with barclays 15 years,got mortgage with them,no loans,business banking with them etc etc.

Anyway,up until very recently I've put an average of £50000-60000 per year in wages through them (more like £30-35 k after tax).I've never defaulted on anything at all with them and praised them to anyone who asked.

I'm currently closing up my business due to lack of work etc,I have no debt from it and even though I had nearly £50k in my current account 15 months ago,they refused to even offer me a business banking overdraught when I started.

Anyway,had a bit of a cash flow problem this week as the bank decided to honour a direct debit I never even agreed to bringing me £450 overdrawn on an account that has no overdraught facility ( work that out!!),it was for my missus sickness protection which obviously is no longer required.so I rang up to ask for an extension to my overdraught of say £500,just for a week or two to honour any dd's going out while I wait for cash to come in.the bint on the phone starts asking all these questions and I explain that it's for a period of just a week or two,point blank refuses,not prepared to offer me a penny!!

So I think that I'll try and extend my mortgage reserve account by about 3.5k,takes it to a niceround figure and would keep me in the hunt for a few months incase my job offer dosent work out,please note I owe less than 30% of current shitty Market value of my house.again,point blank refuse,I ask why and she says that because I told her it was to help assist me while I wound the business down and not for home improvements!!I explain the situation and she says,oh it's hard at the moment isn't it??

Fucking wankers,Ive always been 100% loyal to them when I could have easily gone elsewhere yet when it's my turn to ask for minimal help,they tell me to fuck off,something I'll be doing to them as soon as I get back on my feet!!!

Is it just barclays or are all banks being wankerish right now?two years ago my mate ran up £64000 in personal debt and all he needed was an Iva and that equated £300 PCM repayments over 5 years!!he defaulted and went bankrupt....I suppose were all paying the price now.

Thank ffuck I bought my house etc when I did!!!

 

Lloyds TSB are also fucking absolute twat arses, they wouldnt renew my business overdraft, absolutley no help whatsoever, when they could see i was struggling with cash flow, thet actually told me to cancel my D/D if i couldnt pay them

And then they have the front to put an advert on tv saying how they have helped x amount of small business!!!

 

I'm with RBS.

I know they've had a lot of bad press lately, but right throughout the crash they were lending. I'm currently looking into a new venture in excess of £100k and I have to admit, they've been fantastic. As long as you can answer all their questions and give them the info they are looking for I've found them to be very easy to work with. They also own a lot of other organisations which have helped me obtain asset finance through Lombard.

RBS were always one of the top banks for small business imo. Seems to me they are still making it one of their priorities.

 

I would piss on RBS if they were on fire.......... been with them for over 15 years personally, been business banking with them for over 5 years, and I have had 6 business managers in 5 years, can never get hold of one when i need them (2-3 times a year) and no one else wants to get involved at a branch when your a business - feckin shithouses - never again.

oh and the uk branches are now all owned by Santander so thats the lot fooked anyway.

 

Well it looks like it's not just me then!!just annoys me that I've put so much money into them over the years and never been o/d or anything,account generaly in large credit and they wouldn't help me for literally a few hundered quid. I'm sorted now but it just bugs me!!!

 

Oh,and why does it take 5 WORKING days for a cheque too clear and if I put it in after 11am it's not counted as a full day yet any charges can come out immediatley?confused.com!!!!

 

banks = cocks !

 

Barclays are the biggest wankers of the lot, hate them! HSBC all the way xD

 

sell some assets then!!!-you want the cash dont you??,
why expect everyone to bail you out and when they dont its their fault!!!-LOL
come on help yourself a bit
3-4 holidays a year??
how many cars??
trying to maintain standards are we??
seen it all before m8-big ideas no f-money-(
BUT A BIG CAR-ON FINANCE NO DOUBT)!)iving in debt all the time owing this owing that, and expecting the bank to support you all the time.
its an old story-£100 in my pocket £1in the company-
the good times are no more-----get used to it-how can the banks afford to give to you and give bonuses and pay rises to their staff aswell- what would you do in their position-no contest-very sorry mr jones.

 

you have so much cash why ask for a few hundred quid???????????????(as you put it)

 

Gave my mate a cheque for £3k on Monday morning. He banked it's Monday morning. The money was out of my account Monday afternoon. It's still not in his account as of today.

What's that all a out then? But I could have sent it through electronically with immediate effect at the cost of £30.

As someone once said " Bunch of ball washing bastards".

HSBC though have been ok with me for eveything other than a mortgage where they asked too many question and the. Said they had to finish the application form even though they wouldn't be able to lend me the loan amount I was after so I walked out

 

He's been running a business and wanted a £400 overdraft for a week and they refused him even though he's put many hundreds of thousands of £ through the bank in question.

Ask for you total outstanding balance to be made out to your name but don't close your account when it cones to it. Then find another bank.

They are banking on your loyalty to stay with them rather than moving to another bank so just kick them in the cunt with big hobnail boots on

 

dojj thats the banks choice though. Unfortunately we have to live by that and have had to for years.

Bankers drafts taking 5 day pisses me off the most but we dont have a choice!

Barclays are shit but it sounds as if your credit rating isnt as good as you make out mate, why would not extend your mortgage if there really is so much equity in it?

 

Barclays are cunts.

Had a similar problem with them recently when suddenly without warning they reduced my mortgage reserve account limit thus putting me over the limit and incurring extra charges.

 

COCK - again!

 

Calm down

 

Well Said

He was only asking for £450 overdraft. Not like he was running massive debts up in the company and just closing it ffs

 

fucking hell, calm down. Apart from what Vaughant has written, what else do you know about him? My guess is 'fuck all', so pipe down dickhead.

 

Banks are all the same IMO It's just your turn

They hand out unmbrellas whilst the sun shines, then whip 'em away when the rain comes

I've had RBS lose a 5k cheque paid in only to lie about it for a week!

HSBC cancel my business overdraft when it was only up for review (was only 5k) they never told me, bounced my 30 quid cheque to a supplier costing us both fees and refused to pay my staffs wages! Very embarrasing

And when I had a possible cashflow problem with Natwest (didn't happen in the end luckily) after a long boring meeting with the small business advisor bloke, he told me to get a credit card! These take how long to get approved? I only wanted help for 7 to 10 days gap in funds Then at the end he asked me what it is I do for a living!

They're all the same, just a different sign over the door

 

at the end of the day, the bank is a business. I hate the robbing cunts as much as the next person but for every one person who has a victory - 100 people must lose out.

they take gambles when lending money, and the majority of the time make a good decision and profit from it, however at the same time they can stand to lose everything they have lent out.

They do not care about your loyalty, they simply care about the bottom line - they use your loyalty to help there bottom line. over the past few months they have probably seen a reducing amount going into your account and decided as your income is constantly going down they would be at risk of losing there money and so not lent to you.

I get sick to death of all people saying ive put xxx into the banks all the years, and now I want to borrow from them they say no - understand the fact you have no right to borrow the money from them, it is a service they offer you.

 

i work for barclays il admit we are shit

 

tsb wont give my mum a new morgage on the house she is building when she owns the land outright, the house is now up to 1nd story and she owns next door with under 30k morgage value around 130k!
dicks, if she defaulted they would be loving it, she wont but worse case senario they win

been told by other places to put it down as 20k home improvement rather than new build cos she will get that

hmmm building a house on the side of the existing house, is that considered improvement

 

Pics of you naked* or I'll take my fucking business elsewhere!!!

*Subject to being size 12 or under.

 

 

Lol

 

The banks are so quick to turn on you once you lose your job and get in the crap.

 

 

Hi retard,you've obviously got so ANGRY (put in capitals for effect) you failed to read the thread fully,but to answer your questions:
sure,need to sell some assets but this was a cash flow issue
no holiday in 3 years,no more than 2 days off since business began
yes,too many cars but sold 3 last two weeks and that cash has gone(not complaining)
everyone tries to retain standards(of living I assume from your poor English) fuckshot!!
I did have big ideas,like everyone in business does and used my own money to run it,no loans,no overdraught.
No cars on finance,not living beyond any reasonable overdraught ( have 1k o/d on current account,0 on business acc)
wish I had any money to put in company,hence why I'm closing.
Just annoyed with how little loyalty has been shown to me when asking for a £450 o/d for approx 3 weeks,it's not blood.my property is worth a minimum of £300k and I owe in total less than 90k on it,that's less than 30% by my calcs.

If you knew me mate,you'd see me everyday wearing shit clothes,generally drive shittish vehicles.don't drink,don't smoke DO EAT TOO MUCH!!

As I said,a few things happenned and I'm now £600 in credit with the £1000 od cleared so that's how short a time period i needed their help with.

If you've ever run your own business you'll know that cashflow is king,someone not turning up to pick their car up until Monday sometimes means I've got too pay staff out of my pocket,as they need paying on a Friday,shit like that,it can make or break you. I'm getting out while I can,so I DONT incurr any debt,as fuck me i'd struggle to get it right now anyway!!

Thanks to all on here who gave advice and backed me up,probably people who live in the real world.

Agreed,no one has the right to loans,debt etc,it's the banks perogative of course,they want to make money like any business,it's just in this instance I felt harshly treated due to my years of loyalty to them.

 

Fair enough point,that is whats happened tbh,just a bit gutted they never offered any help to me at all until effectively it was too late. I'm just lucky my fiancé of 9 years came into some cash and offered to help,I just hope I never ask her again although I've lent to her a million times before but I was flush then!!!

 

couldnt agree more


my card got cloned a few years back, cleared my account of thousands

only found out the day before my holiday, went to withdraw some holiday cash and there was none

barclays kindly offered me a loan, at their rate of interest

if they cant secure my own money why would i wanna borrow more to cover what they lost

 

Hi fella,I didn't want to extend the mortgage but as there's so much equity in my property I was offered a reserve account feature of up to £30k,more on request.when I reached 25k (my total still below 90k against a 300k property) they pulled the plug and told me my total reserve was £25k and guess what?I was at £25500!!that's why I mentioned earlier that I'd asked them to allow it up to the original £30k,4.5 k more but as I said,they point blank refused.I then asked for them to increase it by say £1k or so just to tide me over and they came up with some bumph about it not being for home improvements,that'll teach me for being honest!!!

And your right about my credit rating,I think it's shot too fuck!!I hope I'll not need to rely on it much in the future,get my fat ass in gear and sell sell sell!!!

 

I know exactly what you mean about building a business from £0, not hit a day when im flush yet lol - but know how cashflow is king..

Banks fall over themselves when your flush - but the thing to remember is they are profit making machines and the only people they are loyal to is the shareholders!

 

Barclays put me 14k overdrawn over the course of a few weeks, l had not touched my card for 3 months, they told me l had to accept l had a spending problem, then they blaimed Barclay Card and Barclay Card said it was nothing to do with them, finally 3 weeks after finding out l had the money credited to my account without any form of apologuie, i would never touch them again

I also dislike HSBC

Presently l am with Lloyds TSB as a joint account offshore but will probably swith to a private bank that is smaller and more customer orientated

Mike

 

Let me just re-iterate what has been pointed out before - they do not LEND money. Banks do NOT have enough capital to cover the amounts they loan out. It is a system called fractional reserve which relies on a) currency being Fiat i.e. worthless and just a concept with perceived value; and b) people not taking everything out at once - which is largely what caused Northern Rock to fail.

What they do is create money by increasing your account, then subsequently making you pay it back with 'real money' aka sweat equity. Therefore, for every loan taken out, they earn the capital PLUS interest, not just the interest.


Chris

 

Missus with hsbc and hates them,think it's banks in general ATM!!

I remember years ago when I was a ford worker and well off,I'd remortgaged the house and was buying a car out of some of the capital; the mortgage was taking forever to come through on the agreed day.they offered me an interest free loan for that day so I could go and buy the car,they even gave me the bankers draught for free!!!

Still,times change eh?

 

im meant to do anything to keep the customers happy will you settle for me putting a few hundred quid into your account instead?

 

Rather see the body shot

 

Barclays are KNOBS .

I currently earn a signifacnt amount of money and have banked with them for over 10 years

Took out a 15k loan over 12months paid it back in 3mths

Then they sent me online email sayijng your pre approved for Platinum Barclaycard so i said ok as they give points back so wehn places dont take Amex i can use that sweet i thought

So said ok

Got card 2 days later no pin NUMBER in the mean time i cancelled two other Ccards as the limit on the new Barclay card was significant to cover my needs (managing credit profile)

Then 3 days later got a letter saying oh by the way we have reveiwed your application and are declining your account please do not use the card blah blah

Fooked me right off

Bearing in mind they have given me a £5k overdraft which i never use
i have £25k sat in Barclays Stockbrokers account
Have over £200k a year cash go through the account

There reason

Im too high a credit risk ...... fooook me

N

 

i had a buisness acount with barclays and they would charge me 78pence per every hundred pounds in cash i put in and they said we have to count it, fooking tossers dont go anywhere near barclays they are a rip off

 

My god that's fooking terrible,I really don't feel so bad now!!!If your a high credit risk then were all fucked!!!