My bank have annoyed me by causing me hassle, and refused to assist me in fixing it. As such, after only 8 months with them, I am moving my account away to another provider
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I'm not arguing that the account was overdrawn. That's not the point. If it was just that one charge I would be OK. Not happy, because I think banks are evil scumbags for charging like this. Why charge the people who obviously can't afford it even more?
The point is that they didn't notify me that they were going to charge me on date x, hence I couldn't possibly know I needed to keep the relevant funds available. When I was charged this fee and went over the limit for the second time they should have looked at it and thought about it.
Moving bank accounts is no more hassle than moving mobile phone providers these days. Most of it's done automagically by the new bank, and the biggest hassle for me is my employer, which will take 2 minutes work with a pen and paper :)
Besides - I've been looking at moving for a few months. Not been particularly happy with Cahoot's services for a while. and the All&Lei account has been really heavily recommended by the moneysavingexpert peeps, and I agree from the list of charges and fees.
I've been screwed over by banks in the past (mainly as a student who didn't know better at the time) and have steadfastly refused to accept crap from them since.
I just hope that A&L will be better behaved and have some kind of morality. I doubt it though :-\
So, to conclude: Given that their normal processes are not designed to accept your initial appeal, it's time to move it up, to people who are qualified to consider the fuzzies. These people are more likely to give in, if there is something in it for them in the long-run. Now that you've closed your account, you shouldn't actually say that you'll never come back - otherwise they'll have nothing to gain, and won't return the second £30 charge
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The point is that they didn't notify me that they were going to charge me on date x, hence I couldn't possibly know I needed to keep the relevant funds available. When I was charged this fee and went over the limit for the second time they should have looked at it and thought about it.
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Moving bank accounts is no more hassle than moving mobile phone providers these days. Most of it's done automagically by the new bank, and the biggest hassle for me is my employer, which will take 2 minutes work with a pen and paper :)
Besides - I've been looking at moving for a few months. Not been particularly happy with Cahoot's services for a while. and the All&Lei account has been really heavily recommended by the moneysavingexpert peeps, and I agree from the list of charges and fees.
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Please write to your bank stating your exact reasons for leaving once you have your new account up and running. Be as scathing as possible :-)
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I've been screwed over by banks in the past (mainly as a student who didn't know better at the time) and have steadfastly refused to accept crap from them since.
I just hope that A&L will be better behaved and have some kind of morality. I doubt it though :-\
Reply
Reply
So, to conclude: Given that their normal processes are not designed to accept your initial appeal, it's time to move it up, to people who are qualified to consider the fuzzies. These people are more likely to give in, if there is something in it for them in the long-run. Now that you've closed your account, you shouldn't actually say that you'll never come back - otherwise they'll have nothing to gain, and won't return the second £30 charge ( ... )
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An overdraft is an exceptional state that they need to somehow turn around to make profitable
Is this not why they charge interest on overdraughts (generally)? Their o/d interest rates are WAY higher than their in-credit interest rates.
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