As above peeps, Im changing my bank from Natwest cos Im sick of the fuckers not letting direct debits go out of my account which has caused problems in the past and today I have had a letter from my insurance company telling me they have been refused payment from the bank and have cancelled my policy unless I pay the full remaining amount which is around £1k (Traders), which I just cant afford to pull out at once. And I found out it took them 2 months to try and cash my deposit cheque too

So who do you bank with? Any problems? Whats the service like etc etc?

Cheers folks

 

I've been with Lloyds Tsb for over 20 yrs and never had a any problems.

 

Im with Natwest and dont have any problems mate

 

Barclays, been a customer for over 18 years and never had an issue with them once.

 

I never speak to my bank about my current account, money goes in, less money goes out, no problems, no issues, no charges.

Hong Kong Shanghai Banking Corporation

 

Nationwide.

I've tried Lloyds and the misses has been with Natwest and Halifax.
Lloyds are by far the worst, I'd avoid like the plague given my experiences with them.
Natwest are very good to the misses but Nationwide are faultless on all counts. Lowest loan and OD interest, highest savings interest. Its win-win!
The only thing they fail on is coverage and size - their branches never have any staff.

Edit: Regarding direct debits and un-authorised overdrafts - Nationwide will pay them and let you get away with it to a point. Unlike Lloyds who'll charge you twice, once for doing it, once for the letter and then charge a higher rate of interest on these charges because they've forced you further past your limit. (yes its a sore subject for me, whenever I see a black horse I want to shoot it).

 

i rate nationwide too. steer clear of hsbc imo.

 

i am with HSBC and they are a bunch of t+@ts, re-claimed my bank charges a coule of years ago and now they will nail me on the slightest little thing

 

I have been with Barclays Offshore and they are disgusting, put me 14k over drawn with in the space of 7 weeks, l never once touched the account and they blamed Barclay Card it went backwards and forwards finally shut the pricks down,

Was with HSBC they were ok but the service level went down hill, harder to get in touch with people etc, now with Lloyds TSB but soon am going to a private bank in the Isle of Man, far better service, but you have to meet tight critierias

Mike

 

we have found the eact same thing! I have to pay then £25 next month if I want to "Re-arrange my overdraft" which would be fine but they arent changing it!!!

 

I've been with HSBC for 8 years or so and never had a problem once.

Barclays are complete cnuts imo!

 

I've always been with Nationwide for personal banking, I can't recommend them highly enough to be honest.

Business-wise, I use bother Barclays and NatWest. No real complaints, but everything I've done with them has been very straightforward anyway.

 

thats what they did to me, fortunatelly i dont go over drawn very often, but recently i was £9 over my over draft for 3 days and they charged me £147!!

 

People honestly never thought they could claim all those charges back and expect the banks would not come back and try and screw you later did they?

Mike

 

Halifax/BOS for me and have been forever. Nae bother!

 

never had a problem with natwest and there online banking services are excellent !

 

LLOYDS and online is super

 

First Direct : can't fault them. Even got £100 free for changing to them a few months back

 

Ive been with HSBC for 12 years and had no problems, Lloyds TSB is good also!

 

HSBC are pretty good, but I am getting pissed off with speaking to india everytime I ring the customer help line

 

sam ere,had enuff of hsbc and natwest are just as bad

 

I thought Natwest were trumpeting about having all-uk call centres?

 

never rang them,but my missus worked for them for a few years and some of the stuff they do is terrible

 

I think I will just keep a big pile of cash under the matress

 

Most of them are shit. I have to speak to people daily who complain about them.
bank of scotland, first direct and nationwide and co-op are maybe the 'best' of a bad bunch... o cunts.

 

Most banks are ok if you always stay in credit and never stray into overdraft territory.

 

HSBC about a year ago decided to shaft all its students/graduates, and nearly all of them left including me. They lost out bigtime. Wouldnt touch them now!