Bullying Banks

michmar72

I got a letter at the weekend from my "Helpful bank" the Nat West telling me they no longer wanted to offer me banking facilities, this came as a shock to me as the letter was addressed just to me but is a joint account and that account is always in credit, never been over drawn, couldn't get to speak to anyone that could tell me why this was happening all weekend ,very worrying
Finally on Monday I manage to speak to the so called specialised relationship manager who informs me I need to speak to the joint account holder and she can tell me nothing???Why send a letter saying contact me to discuss if you won't discuss it! turns out it is to do with my OH's business bank, which I am not even named on!What a waste of time.
Also bulling Halifax my OH paid £1000 of his overdraft with them to avoid charges, so they reduce his overdraft and still charge him, when he has complained they close down his account and demand repayment in full.
Think I would rather keep my money under my bed than deal with these rude,bullying people anymore!

fluffnutter

Why are they contacting you about an account you're not named on? Are you sure you're not named?

And your OH has had two banks try to close his accounts. Are they 'bullies' or he is a bad customer?

michmar72

I said I am not named on his business account.

And no he is not a bad customer, in the past he has had alot of money going through both of these banks and that was fine with them,they were sending people to the house to look after him and his finances.
He has fallen on hard times as he is self employed and a company he worked for went under on him, owing him and others alot of money, he has had no payment from them,as in the scheme of things he is small fry.I bet the bosses of George Harding the company that went under on him don't get treated like that by their banks

He still had people to pay and has paid off nearly all of the debt that left him with and continues to do so, we have no savings and a very high mortgage now but he is still trading, which is more fortunate than a lot of people and something I am very proud of him for doing.

I am saying both of these banks claim to be helpful when actually they are not.

So no he really isn't a bad customer.

POPPYOSCAR

Banking seems to have changed a lot over the last few years. It all seems a lot more ruthless now.

meer53

OP, your OH will know why your banking has been withdrawn. If he's having problems, all banking relationships will have been withdrawn to prevent any debts increasing, banks don't withdraw facilities on customers who run their accounts within their agreed limits.

I do appreciate the problems self employed people have, my ex was self employed for over 20 years, and that it's not always your fault if you have cashflow problems, but a bank will only allow so much before they take action. If your OH has an income have you thought about contacting CCCS for advice ?

Banking is a lot more ruthless these days, they've been knocked for being irresponsible lenders, so are going fast in the opposite direction now !