ferguson_tom Posted May 3, 2012 Report Share Posted May 3, 2012 I have decided Santander are a bunch of robbing ****** so had enough of them and changing bank accounts. My bank balance is rarely healthy so not worried about in credit interest rates. The main thing is not a ridiculous arranged overdraft fee and also an even more ridiculous unarranged overdraft fee. Santander just tried charging me £150 for going into an unapproved overdraft due to 5 transactions going out of my account without the money being there even though it was there when the card was processed, i moved money from the savings account to clear it as soon as i realised. Anyone got any suggestions? I am leaning towards Halifax as they are also giving you £5 a month just for using them but what is there online facility like as I do everything online. Quote Link to comment Share on other sites More sharing options...
shaun4860 Posted May 3, 2012 Report Share Posted May 3, 2012 Im with Lloyds TSB I cant fault them, Been with them for over 30 years, And yes people will along shortly to knock them but any bank on this post will get knocked, I take as I find, Ive had loans/investments and do internet banking with them. They get a from me Quote Link to comment Share on other sites More sharing options...
HDAV Posted May 3, 2012 Report Share Posted May 3, 2012 Halifax is part of lloyds if you do it all online look at first direct? If you have a regular sum going in then it can be worth the benefits I have a Halifax joint account that gives breakdown cover phone insurance etc etc but it's never over drawn so can't say what they are like I have current account and business with Santander and they are getting worse if I go anywhere it will be coop or virgin I recon Quote Link to comment Share on other sites More sharing options...
Guest Mr Pieman Posted May 3, 2012 Report Share Posted May 3, 2012 Halifax are good. Used them for some years now, without any problems. I spend most of the year working abroad, so all my banking is done online Quote Link to comment Share on other sites More sharing options...
Jimbo999123 Posted May 3, 2012 Report Share Posted May 3, 2012 Lloyds charge £6 a day for an unarranged overdraft and £5 a month plus interest (can remember how much) for arranged overdraft I think there is also a fee if a direct debit going out that puts you over your overdraft limit £25 springs to mind but I'm not sure Quote Link to comment Share on other sites More sharing options...
ME Posted May 3, 2012 Report Share Posted May 3, 2012 I have been with First Direct for 22 years. Never had a problem. They were offering incentives recently for people to transfer. Quote Link to comment Share on other sites More sharing options...
Marine1980 Posted May 3, 2012 Report Share Posted May 3, 2012 Im with Lloyds TSB I cant fault them, Been with them for over 30 years, And yes people will along shortly to knock them but any bank on this post will get knocked, I take as I find, Ive had loans/investments and do internet banking with them. They get a from me I thought you just kept your money in a pot at the end of a rainbow Shaun?? I use Barclays but I think there all as bad as each other to be fair. Royal Quote Link to comment Share on other sites More sharing options...
marktattoo Posted May 3, 2012 Report Share Posted May 3, 2012 i'm with nationwide and over the last 5 years had a few problems with them, slowly but surely they are loosing my business. Got turned down for a loan ( even though had 3 previous loans through them without a problem ) so went to another company got the loan I wanted and paid that off without a problem. I had 2 cheques bounce, yes the first my fault as didn't realise I was at the end of the overdraft limit so I will say fair enough on that one but the trick nationwide pull is the charge you for the bounced cheque but dont send you a letter to tell you that, like other banks do, so a second cheque bounced so got charged again by nationwide and because it was the payment to the credit card got stuffed for charges from the credit card as well :( but the thing was had I known I had money in the savings account to cover it but they didn't tell me after the first one The next dirt trick they came up with because I had told them what I thought of them, I tried paying my nationwide credit card off to withdraw so more profits from them, so I had a bit of spare money each month so decided to pay £50-£100 off by going into the branch and paying it off, however because I had a direct debit set up to cover the minimum payment I thought I was paying the minimum payment + the extra paid in but their dirty trick was not to collect the direct debit as what I had been paying extra was more than the minimum payment, they where taking the extra at that was it, keeping me in debt for longer and being able to charge me more. Anyways having another argument with them about that, managed to pay off the credit card and cancelled that so they wont be getting any more business from me there. I have been looking around at differnt banks but every one comes with nightmare stories Quote Link to comment Share on other sites More sharing options...
88b Posted May 3, 2012 Report Share Posted May 3, 2012 I gave up on Santander about 5 years ago after about 30 years with Abbey National as it was. Walked into Lloyds and haven't looked back, can't believe how helpful they are in my local branch. Quote Link to comment Share on other sites More sharing options...
onefulham Posted May 3, 2012 Report Share Posted May 3, 2012 I have been with Barclays 34 years, no problems but their Internet banking is the worst ! They say it is the safest as you have to use a card reader but it disconnects you after you have just connected saying you have been idle for 10 mins, try to do something and the page just refreshes and does not change, says you have put wrong password or whatever when you know you have done it right. If Internet banking is important to you my advice is do NOT touch Barclays, I think it has always been bad and now it's worse than ever ! Rant over, sorry. Been trying to sort out banking for days till finally worked, did same thing over and over till it worked and they blamed ME ! All they are interested is selling and their adverts. Quote Link to comment Share on other sites More sharing options...
onefulham Posted May 3, 2012 Report Share Posted May 3, 2012 My wife is with Lloyds TSB and is very happy since 17 now 38 and never a problem, but then she is very good with money. Quote Link to comment Share on other sites More sharing options...
bedwards1966 Posted May 3, 2012 Report Share Posted May 3, 2012 I use Lloyds, I think they're OK (for a bank). The internet banking is good to use, though I can't compare any of the overdraft or loan charges as I don't use them. Quote Link to comment Share on other sites More sharing options...
Brown Sauce Posted May 3, 2012 Report Share Posted May 3, 2012 Can I recommend you go to credit expert, part of experian, first 30 days free and do your own credit search. This will given you a credit rating which all banks go on, if you fair well then pick of the bunch and types of account. Fair badly and most will only offer a cash account with no overdraft facility. In which case you're stuck with the pain from Spain Best of luck BS Quote Link to comment Share on other sites More sharing options...
onefulham Posted May 3, 2012 Report Share Posted May 3, 2012 Martin Lewis's moneysavingexpert site is very useful for advice. Quote Link to comment Share on other sites More sharing options...
Cyrus88 Posted May 3, 2012 Report Share Posted May 3, 2012 (edited) Martin Lewis's moneysavingexpert site is very useful for advice. Yeah thats what I use for all money related things. You'll get all the information you need there: Money Saving Expert Edited May 3, 2012 by Cyrus88 Quote Link to comment Share on other sites More sharing options...
leeds chimp Posted May 3, 2012 Report Share Posted May 3, 2012 Been with HSBC for 18 years...had a few problems but sorted out quickly and also got a case of wine, money etc Dont touch Halifac as they charge for being overdrawn £1 a day no matter if its a £1 over or £600 Barclays... :sly: stopped myself and SWMBO getting a mortgage for THEIR mistake...has to go through FSA to sort it Quote Link to comment Share on other sites More sharing options...
silpig5 Posted May 3, 2012 Report Share Posted May 3, 2012 lloyds tsb for me , personel and business accounts , good internet bankning with both , 2min transfers to most apart from santandar for some reason its 3 days . Quote Link to comment Share on other sites More sharing options...
Fisherman Mike Posted May 3, 2012 Report Share Posted May 3, 2012 (edited) Im with Lloyds TSB I cant fault them, Been with them for over 30 years, And yes people will along shortly to knock them but any bank on this post will get knocked, I take as I find, Ive had loans/investments and do internet banking with them. They get a from me Me too... Still the best High Street Bank by a mile IMO 40 years man and boy Dont like Building Societies who call themselves banks or those hiding behind Offshore parent companies... Just the words Santander sounds dodgy.. Edited May 3, 2012 by Fisherman Mike Quote Link to comment Share on other sites More sharing options...
Greymaster Posted May 3, 2012 Report Share Posted May 3, 2012 (edited) Was with Nat West for 30 years, then Fred the Shred happened, and they got nationalised, put up the charges and I was damn sure I wasn't going to pay twice, as a tax payer and an account holder. Got mightily sick of their bogus and inane slogans. Once in a lunchtime queue with many others waiting while one clerk served, two others had the blinds drawn. So went to enquiries desk and rang the bell continuously until someone came, then said "Have you seen this?", and unfurled a poster I had ripped off the wall. Their slogan then was "There is a better way!" She went mental. I said in a loud voice, "In case you hadn't realised, the better way is to roll up those blinds and get those other lazy ****ers working!". I was applauded by the queue! Now they are trying to disassociate themselves from RBS and assert their own identity again with the slogan "Helpful Banking". If you believe that you deserve them. When I moved to HSBC I told them bluntly that they were all villains but at least HSBC used Arab money to bail themselves out and not the UK taxpayer. Edited May 3, 2012 by Greymaster Quote Link to comment Share on other sites More sharing options...
Chris Bb Posted May 4, 2012 Report Share Posted May 4, 2012 Been with RBS for many years now, nothing but good to say about them, especially their internet banking & iPhone app. Unfortunately we're being forcibly moved to Santander in the near future, not looking forward to that at all. Quote Link to comment Share on other sites More sharing options...
al4x Posted May 4, 2012 Report Share Posted May 4, 2012 I have been with Barclays 34 years, no problems but their Internet banking is the worst ! They say it is the safest as you have to use a card reader but it disconnects you after you have just connected saying you have been idle for 10 mins, try to do something and the page just refreshes and does not change, says you have put wrong password or whatever when you know you have done it right. If Internet banking is important to you my advice is do NOT touch Barclays, I think it has always been bad and now it's worse than ever ! Rant over, sorry. Been trying to sort out banking for days till finally worked, did same thing over and over till it worked and they blamed ME ! All they are interested is selling and their adverts. weird I find their internet banking works very well, Compared to most where your details can be saved or could be hacked the card reader makes a lot of sense. I've been with them 25 years and really once you get away from their Image and just use them as a bank it seems to just work. They are not good for savings rates etc but as I've got an offset mortgage through them thats irrelevant for me. In this case I think you could have set up a text alert with them that would have alerted you when you were close to going overdrawn and saved the problem before it happened. Quote Link to comment Share on other sites More sharing options...
ferguson_tom Posted May 4, 2012 Author Report Share Posted May 4, 2012 I have been having a serious look into this last night, with help of all your comments. I think i am going to go for a Halifax account. Although the overdraft is £1 a day i only go into it for 10 days or so a month and with there £5 a month bonus this that will only make it about £5 a month for what i need. Hopefully as well by end of this month i will be out of the overdraft but.... Also once in the black they give you £5 a month for just having money going through the account and that is a lot better than any of the interest rates i would earn in a month from a standard account. My main worry is these ridiculous charges for going over the overdraft, Halifax only charge £5 a day with no transactions fees so the situation that just arose now would of seen me only paying £5 fee not £150. I wont be paying the £150 though they will be getting cancelled. Thanks for all your comments and help. Quote Link to comment Share on other sites More sharing options...
AVB Posted May 4, 2012 Report Share Posted May 4, 2012 Personal Banking - HSBC Corporate Banking - RBS (although I don't know about small corporates) Quote Link to comment Share on other sites More sharing options...
slated Posted May 4, 2012 Report Share Posted May 4, 2012 i moved from santander to halifax, £5 a month for paying in wages. only thing is why did it take me so long to move! Quote Link to comment Share on other sites More sharing options...
pimpkiller Posted May 4, 2012 Report Share Posted May 4, 2012 Im with TSB and think they are the best for face to face banking. Its nice to deal with proper human beings not the dodgy salesman types you get in places like santander. I never get junk mail/calls either Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.