natwest/lloyds tsb

stiffnuts69

jonesMUFCforever wrote: »

It's not their fault that you overspent though is it?

You jumped up dicck head

PROLIANT

stiffnuts69 wrote: »

You jumped up dicck head

Ah Jones'y isn't that bad, just a bit honest at times, don't take it to heart!

PROLIANT

corpus wrote: »

Well bully for you Mable. Unfortunately not everybody is able to stay on the path of the financially virtuous. You only need to be made redundant once to find your circumstances changing drastically and very suddenly. When you've been made redundant twice, it becomes that little bit more difficult to keep to the terms and conditions. "Sorry kids, I can't buy any food today because I don't want to breach the terms and conditions." It's easy to be smug about it when you've never been there.

I have a budget spread sheet in Microsoft Excel format, it can help you with cash flow and day to day living, would you like it? If so PM me and I will email it to you.

wendy_

MABLE wrote: »

Well in my life time I have been redundant three times. I never once felt sorry for myself and I did not help myself to the banks money without permission.

The first thing I did was make an appointment with the bank and told them the situation. They were brilliant and supported me through the difficult times.

You either stick to the terms and conditions or face the consequences.

Just to ask "what is it like to be perfect" have you not made any mistakes? Mine was a genuine mistake, I have two accounts with Natwest and if I had realised that I was going to be £3 overdrawn then I would have transferred some money over instead of being charged £66 for 1 genuine mistake!!!!

c0c0nuts

I currently work for Natwest and used to work for LloydsTSB, I have to have a staff account for my salary but retained all my LTSB accounts as their internet banking is in my opinion superb. I have never had a problem with any aspect of their service and the same goes with Natwest. On one occasion with each institution I have had a problem with direct debits being applied for early and going overdrawn as a result and I found that being direct and honest and talking to them straight away resulted in the charges being waived (with LTSB this wasn't when I was 'staff').

PROLIANT

wendy_ wrote: »

Just to ask "what is it like to be perfect" have you not made any mistakes? Mine was a genuine mistake, I have two accounts with Natwest and if I had realised that I was going to be £3 overdrawn then I would have transferred some money over instead of being charged £66 for 1 genuine mistake!!!!

A genuine mistake of £3 should be over looked IMHO, I would just leave them and go to another bank and start again. I find the natwest a complete waste of skin as they have crossed my ID with somebody with the same name who has defaulted on their account and blaming me for it, a story I can't be chewed with going into tonight but they are very nasty people to deal with, I have considered asking a solicitor to look into deformation of character and material falsehood charges against them!

Addendum;
This has been a dispute for over a year now!

kpwll

LTSB are fine when you have no problems and don't need help, the minute you do you find out that all they are really interested in is making money. I know some people are going to jump on me and say that they are a business and that is what they do, I agree. BUT they are in the service industry and the most important thing should be the client/customer.
Their internet banking is very good and easy to use, they do have a nasty habit of taking money out of an account on a Sunday, when it is not due out until the Monday.

ldn-100

I have accounts with NatWest and Lloyds TSB. I would say they are generally quite similar in terms of trying to maximise profit from each customer through upgrades and add-on sales. I would say NatWest are far more unrelenting at this. Even with the "no-marketing" marker on and a letter of complaint I still get asked about advantage gold, an account I have twice held in the past and is totally unsuitable for me (now more than ever as I am a student). I find the staff at Lloyds far more knowledgeable and I think this is in part because their age profile is higher. NatWest interest rates appear to be uncompetitive although they got FPS right first time, whereas Lloyds has floundered. Compared to most banks, the complaints procedure/department at NatWest offers quite good resolutions as long as you put your complaint in coherent form. Unfortunately the day-to-day service is so riddled with ignorant staff and errors that I've had to use it so many times I know the address almost off by heart.

stiffnuts69

PROLIANT wrote: »

Ah Jones'y isn't that bad, just a bit honest at times, don't take it to heart!

I know I read his posts a bit but he does take the pi55 sometimes. Anyway Im more offended by the fact that he supports man u:rotfl:

MABLE

wendy_ wrote: »

Just to ask "what is it like to be perfect" have you not made any mistakes? Mine was a genuine mistake, I have two accounts with Natwest and if I had realised that I was going to be £3 overdrawn then I would have transferred some money over instead of being charged £66 for 1 genuine mistake!!!!

I say again if you had kept to the terms and conditions you have not faced a charge of £66.00. Also if it were as you say I am surprised the bank did not refund the charges.

Also I am very, very far from perfect but do not like throwing money away.