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[Andy B]

I'm pretty sick of hearing people moan about banks. Stay in the black and they will look after your money, pay all your bills on time and pay you for the privilege.
 ......

 :-?  :-?
That's what I was trying to do. The account is well in the black, I was paying a bill very much on time but the bank managed to transpose 2 digits as they were attempting to transfer the money. You'd have thought that they would have had the decency to contact me when the money came back the following day, but the first I knew of it was when I got a statement from the new credit card company to ask me where their payment was!
I want a UK call centre where English is the first language - failing that Jockanese will do!  

[sir moanalot]

im with lloydstsb and i must say ive had very little to complain about! abbey was the worst i  got involved with.

[Revokev]

I'm with LloydsTSB for both my business and personal accounts.....

They are not bad, because i have my business account with them my account manager also looks after my personal account, if there isn't enough money in my personal acc to pay for something i will generally get some form of comms (FOC) telling me to sort it out.....in a nice way.

Is there a bank i can recommend.......no, they all have shortcoming, just some are worse than others

Same here,both personal and business with Lloyds TSB,no problems  

Abbey have been on Watchdog again because people keep getting locked out of their accounts,sometimes for months

[Pitchfork]

I've been with Nationwide for about 17 years and they've always been good

I endorse that
IW

[theolodian]

I'm pretty sick of hearing people moan about banks. Stay in the black and they will look after your money, pay all your bills on time and pay you for the privilege.

Start using their money instead of your own and they wont like it, especially if you dont ask first.

Tell them Chopsdad.

We stay in the black and Barclays is still beyond pathetic.  260 quid credit limit on Barclaycard despite 5 years of perfect record with Barclays, including ISA's and all sorts.  They keep refusing to raise it but are happy to charge you 12 quid if you hit the limit.  Oh, and you can't overpay either so that you can buy a plane ticket.  You try to talk to a real person at the bank and they just say that it is a different company.  Well, I'm sorry but it has their name on the card and if they can't help then they don't deserve my money.  You can't do bu&&er all with a 260 quid limit, it's a joke.    

Halifax gave us a usable limit, and then raised it after a year.  More than we need actually, but at least it will buy more than the plastic it was printed on.  

And that is without any comments on international transfers, since they don't apply to this discussion.

Oh, and why is a learner's license not sufficient to open a bank account when a full license is?  HSBC insisted that I have a full license, when the DVLA checks your passport for the learner license but doesn't ask for it back again for the full license?  Morons.

[Chopsdad]

I'm pretty sick of hearing people moan about banks. Stay in the black and they will look after your money, pay all your bills on time and pay you for the privilege.

Start using their money instead of your own and they wont like it, especially if you dont ask first.

Tell them Chopsdad.

I can only comment about NatWest and the above sums it up well, thanks Steve.

Branch target is to answer 70% of calls in the branch between 9 and 4.30pm.  Internet available 24hrs for reviewing transactions, making payments, stopping direct debits, checking your balance........I don't know why so many people call   You can even top up your mobile at out ATM's.

The main problem people have with banks are charges - despite getting free banking, as many replacement cards as you need (after scraping your window's clean in the winter), free statements, cheques etc - in many other countries you PAY for this service.  Charges are only levied when you spend the bank's money without asking.  If the bank has made a mistake it will refund 100% without fuss, if you stay calm and give them chance to investigate - target 48 hours.  If you're not happy then we have an independant escallation process accessible by phone, letter or email to ensure you are trated fairly.

So my advice.........choose a bank that suits your needs.  If you're service hungry and need to check your account every day - use the internet.  If you want good return on your savings - use the internet to find the best deal, moneyfacts is a good starter.  If you pay lots of fees - sort yourself out before you move and you'll have no problems.

My door is always open for business.......but I'll always tell you how it is  

[Baron Von Spongebob]

I want one of the cards..No not yours, Are these going to be available soon.

[Andy B]

....
Branch target is to answer 70% of calls in the branch between 9 and 4.30pm.  

Mmm? I can't call my own branch! Call centre only!   :-? So they can maintain the TWO staff at the counter.  

The main problem people have with banks are charges .........  Charges are only levied when you spend the bank's money without asking.  If the bank has made a mistake it will refund 100% without fuss, if you stay calm and give them chance to investigate - target 48 hours.  If you're not happy then we have an independant escallation process accessible by phone, letter or email to ensure you are trated fairly...

They are a neccesary evil, I don't have a problem with bank charges, I just have a problem when I get charged by my credit card company because my bank can't manage to write 16 numbers down in the correct order. Then when the money is returned to them the following day they just sit on it and don't tell me! I then have to jump through hoops to a fax machine to proove I've been charged because of their incompetence.

....
So my advice.........choose a bank that suits your needs.  If you're service hungry and need to check your account every day - use the internet.  If you want good return on your savings - use the internet to find the best deal, moneyfacts is a good starter.  If you pay lots of fees - sort yourself out before you move and you'll have no problems.

I just want them to do as they're told ..... preferably using English as their first language in the UK

My door is always open for business.......but I'll always tell you how it is  

Are you not a bit far away from Lancs?      

[Markjay]

My experience with Natwest so far hasn't been good at all.

HSBC seem much better, but TBH may banking with them is minimal so maybe they just didn't get the chance to mess up yet....