I need a new bank

JoseChungsDoomsday

Hey folks
After a ong time with the halifax im leaving them due to my complete disgust at the charging you for just about everything they can think off. So now im stuck with the hard choice of what bank to go to now....

I was thinking about the nationwide but would like your opinuons on your banks. Im not all that fussed with interest rates etc but i want good customer serrvice!! i live in Ni so cant get a nat west or lloyds account.

any help will be brilliant!

M_Thomson

JoseChungsDoomsday wrote:

Hey folks
After a ong time with the halifax im leaving them due to my complete disgust at the charging you for just about everything they can think off. So now im stuck with the hard choice of what bank to go to now....

I was thinking about the nationwide but would like your opinuons on your banks. Im not all that fussed with interest rates etc but i want good customer serrvice!! i live in Ni so cant get a nat west or lloyds account.

any help will be brilliant!

What is it they are charging you for that other banks don't???!!

CTT_2

One of my three accounts is held with Cahoot. It is internet based and give you a £250 free overdraft. Check the site out.

Caped_Avenger

What are you looking for in a bank? Apart from not charging you for everything...

JoseChungsDoomsday

good customer srrvice

when i joined the halifax their charges were £15 now their 40! besides thir telephone agents and branch just want sales from you or they send you rto a small box in the corner of the room...

Al_Mac

All any financial company wants is to make money, through charges or sales. You can't win.

Well you can, but it takes effort.

Shaanbles

JoseChungsDoomsday wrote:

Hey folks
After a ong time with the halifax im leaving them due to my complete disgust at the charging you for just about everything they can think off. So now im stuck with the hard choice of what bank to go to now....

I was thinking about the nationwide but would like your opinuons on your banks. Im not all that fussed with interest rates etc but i want good customer serrvice!! i live in Ni so cant get a nat west or lloyds account.

any help will be brilliant!

Smile - they are a brilliant online bank, had excellent service from them in the past 5 years, emails I send are dealt with very quickly and very efficient and helpful on the phone. Also they are part of the co-operative bank so very ethical in who they do business with (if that matters to you).

M_Thomson

JoseChungsDoomsday wrote:

good customer srrvice

when i joined the halifax their charges were £15 now their 40! besides thir telephone agents and branch just want sales from you or they send you rto a small box in the corner of the room...

I am afraid you will find that the majority of banks and building societies with charge anywhere from £30 to £40 for an unpaid direct debit or overlimit fee etc. Why don't you keep within your limit and you will not have to pay any money at all???!

faz7875_2

I can tell without a shadow of a doubt that the Halifax ethos is "We want your money and we don't care" (True of most companies these days). I would personally advise anyone to stay away from HBOS for any type of account (Debit & Credit) as they are all specifically designed in their favour. The reason I can tell you this is that i am a "disgruntled ex-employee" and got out because I just couldn't do it any more. If you think what they do to the public is bad, you should try being one of their staff!

JoseChungsDoomsday

Actually ive never been charged by the halifax but that doesnt mean I have to sit back and let the raise the charges for everything from failed dd's to chaps payments..

So its down to the nationwide and smile! used to have a smile account to pay my bills out of, why oh why did i ever close it down!!

Nick_C_4

I've always been happy with the customer service I get from First Direct, and I think you'll find that's the general opinion of their customers....