Banks001 - are useless

rang Barclay to close a small fccy account. 08.30 10.10.13

muppet who answered was too badly trained to ask exactly what i wanted, so he thought i wanted to close all my accounts, told him to listen and understand the qu. before rocking on. [overseas call centre]

• did i want to know HOW to close an account?
• no u muppet just ******* do it.
• he said "would u like to transfer the balance before closing the account"
• doh, no i thought I'd donate it to the Barclays Board yacht fund, terrd

• then he triumphantly told me he had to speak to "international dept" to transfer my €64.25 to my current account
• took over 5 mins for them to answer the call [overseas call centre]
• she then repeated everything i had already told muppet 1
• finally she said she would do the tfr
• but that i then had to wait and call them back to close the account once it's balance was €0, so another 10 mins to waste tomorrow, grrr.
• then she started droning about their account closing procedures again so i hung up

IF Barclays studied the call they would eeeeeasiuly identify how to slash the call duration from 12 min 36sec to less than 5 min. how many idiots could they sack then? ans= about half of them.

Things to avoid - HSBC bank

Things to avoid

Why???

They are deeply –ve towards their business customers, and act arrogantly and unilaterally. You will get all your business set up, and come in one day find all your accounts frozen without any communication from them or discussion – either before or after.

Or say you used them for credit card processing, you might come in one day and find they had unilaterally closed your facility without any reason “because we called on you and there was no one there”. This is craaaazy, use PlayPal always as they are much more reliable.

They even steal money from one of your companies to settle the debt of another un-related company, and deny it’s stealing.They operate a single-judge convicting system (Dave Shaw in London heads the team), and the accused person is not even allowed to be present at the trial to hear the (trumped up) evidence against them, and is sentenced in his absence. They could teach a few despots how to run their fiefdoms.

banks banking stinking

How come NatWest business banking can write to me closing my account WITHOUT giving any reason at all? And this complies with the Banking Code – what a ‘grate’ document. I can’t sack a serf without a meeting, a written warning, etc. but they can bin me just by doing a letter with no reason in it at all.
And the FSA support this by refusing to investigate because their actions comply with the Code - what a bunch of xxxds.

Recently HSBC wrote to me closing my personal credit card account WITH NO NOTICE PERIOD – they claim they do NOT have to.
Oh and also the collateral damage is that this has had the effect that in my business life I can no longer do business with HSBC, despite them even putting in writing with me in their rude letter that they WANT to do business with me (except at all!)– they are happy to lie in writing etc…….

Last autumn Abbey National radically changed their business banking website. This change was so poorly pre-tested that it created havoc amongst users, and they even had to extend their telephone banking hours to cope with the deluge of enquiries from irate customers who had summarily been denied online banking without a thought. I am STILL 8 months later trying to patch my own access together, and fending off complaints from clients about shabby notional bank and their actions. Oh and the website “enhancements” of course are not !

banks think we are muppets

The banks think we are muppets waiting to be mugged for our money. And if any one takes up this offer they deserve all they get.
How can it be legal to send out an email with lies/dubious truths in it? where is the FSA when you need them??

""
Dear Mr M Uppet,

Cut loose from high bank charges and escape to our NEW Free Business Current Account today. No other bank offers you all this:
NEW! 6.26% AER* (variable) interest on the first £1,000 of your balance! The gross rate is guaranteed to track the Bank of England base rate at base +0.60% until June 2008. Balances over £1,000 will attract a rate of 0.10% AER (fixed).
6.26% AER (variable), 6.00% (variable) p.a. gross, on balances up to £1,000. Gross interest will track the Bank of England (BoE) base rate, at base +0.60% guaranteed until 30/06/08. After 30/06/08, the gross rate reverts to gross rate BoE base rate minus 2.00% on balances up to £1,000. 0.10% AER (fixed) on balances over £1,000. AER stands for Annual Equivalent Rate and illustrates what the rate would be if it was paid and compounded each year. Gross is the interest without deduction of tax. Interest is calculated daily and applied monthly.
**All we ask is that you pay a minimum of £1000# into your account each month otherwise you'll be charged £5 for that month only.
***Excludes CHAPS payments.
#Credit transfers from your other Alliance & Leicester accounts will not count towards the monthly credit requirement. Note: It is not possible to reply to this e-mail address

the frauds:-

• Free, subject to loads of hard to comply with conditions
• minimum credit of £1000 per month DOES NOT include transfers from other giro accounts, so don't trade with customers who ALSO bank with Giro.
• After 30/06/08, the gross rate reverts to gross rate BoE base rate minus 2.00%pa. on balances up to £1,000, and a generous 0.10% AER (fixed) on balances over £1,000. So if you have an avg balance of £10k in a year you earn £71.60. If you go to Scabby Notional Bank you would earn £100 (39% more)......
• Wow, and this IS the "best banking offer in UK" - i don't fink so guv.....
• After the first year they defraud you even more by switching you to Base Rate-2% on 1st £1k. c£21pa, so Abbey is then 400% better!!! .....And i haven't even got shares in Abbey
• They know full well that it is a complete shag changing business bank accounts, so once they have HOOKED you (see their own advert which has a hook on it!), you are likely to put up with them etc.

I am quite serious about setting up a bank to provide a proper service to long-suffering UK customers. Just need the £1m. for all the initial set-up stuff, and we r away.........

banks

why can't banks realize why people hate banks?
I quote
"Dear Mrs Swallow

Thank you for your email.

Due to customer security, we are unable to disclose monetary amounts via our messaging service. For this information, please call one of my colleagues on the number below who will be able to assist you further with your enquiry.

Intelligent Finance is authorised and regulated by the Financial Services Authority.

Regards

Malcolm "
(un) Intelligent Finance


1. i can't reply
2. what was the question?

muppets.................

banking tales ........

a recent experience.......with the nationwide building society, who are actually quite good!!

i appreciate the less casual reply, but it does not answer why it is acceptable for your systems to produce this one-sided effect. how can it be right for one side of an internal transfer to show immediately and the other be delayed - i was placed in an embarrassing position due to inability to produce evidence of worth for a property transaction.

If you would like to imagine the scenario in front of the Nationwide chairman on his yacht.....
"here you are sir, our Internet banking software. it's all fabulous, and a particular feature i would like you to see is our one-sided transaction display system. Please use this demonstration system to see its advantages.
Here is my development invoice for £giga for immediate settlement"

----------------
--------------------- Original Message ---------------------
Subject: Re: Complaint Received: 13 April 2007
Dear Mr Swallow,

Thank you for your message.

Please accept my apology for my colleagues response which does not fully address your query. I have provided more detail below.

Whilst transfers between our banking and cash savings accounts are processed in real time, it is true that only mini statements and the balances shown on the My Accounts page update immediately. Accounts which offer only a Full Statement, such as Passbook, Bond or e-Savings do not update their statement immediately. I can assure you that interest is backdated accordingly.

Under our complaints procedure I need to advise you of the following. I've also enclosed a link to our leaflet "a complaint - how can we put it right", this will show you what course of action you can take if you're not happy with my response.

http://www.nationwide.co.uk/contact_us/making_a_complaint/making_a_complaint.htm

What do I do if I'm still unhappy?

The Nationwide Group uses the Financial Services Authority rules when dealing with customers' concerns. Under their guidelines, you may consider the following course of action if you're not satisfied with my response.

1. Our Member Service Department can review your concerns. I will be glad to refer it for you. If you decide to go ahead with this option, please contact me.

2. If you are still not satisfied, you may then approach the Financial Ombudsman Service for an impartial, independent assessment of the situation.

If you don't come back to us within the next 56 days, I will close our file.

Regards,

Mark Newman
Senior Customer Advisor
Internet Services

http://www.nationwide.co.uk
Nationwide. Proud to be different.

If you reply to this message, please include the Tracking Number below in the body of the mail. This will enable us to process your message more efficiently.

TRACKING NUMBER: A00002117759-00008426834

-----Original Message-----


From: 1285117710@bbm.tux
Sent: 12 Apr 07 13:21:11
To: customer.services@nationwide.co.uk
Cc:
Subject: Complaint

and even today i have done transfers which show on one account - my flex - and don't show on my e-account because........? -- no one tested it properly b4 going live.

--------------------- Original Message ---------------------
Subject: Re: Complaint Received: 10 April 2007
Dear Mr Swallow,

Thank you for your message.

The reason why the delay shows is because is was the Easter Bank Holiday, however the transfer is effective dated to the date you requested the transfer of funds.

Regards,

Linda Cox
Senior Customer Advisor
Internet Services

http://www.nationwide.co.uk
Nationwide. Proud to be different.

If you reply to this message, please include the Tracking Number below in the body of the mail. This will enable us to process your message more efficiently.

TRACKING NUMBER: A00002117759-00008401080

-----Original Message-----


From: 1285117710@bbm.tux
Sent: 07 Apr 07 09:19:37
To: customer.services@nationwide.co.uk
Cc:
Subject: Complaint

i transferred funds between my flex and e account.
12 hours later and the transfer shows as leaving my flex but not arriving in my e account because...? - your software is defective