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to be a bit pissy at my bank (long!) - guess if you know what bank I'm with!!

(32 Posts)
ElfOnTheTopShelf Tue 25-Aug-09 18:04:27

DH and I have separate bank accounts (personal) and a joint account. I get paid directly to the joint account, and the difference between my portion of the bills and my wages are trf to my personal account, DH gets paid to his personal and trf his bills money to the joint.

At the beginning on Aug, I checked the joint bank balance and saw I had £250 in there, which was a lot lower than I was expecting, esp as both DH and my money was in there, and only the mortgage payment had gone out.

Rang the bank, asking whether DH money had cleared, they said it had on the Fri. I proceded to have a mini stress, and asked what had gone out between the Fri and the Wed to take the account balance to £250. Man at bank checked the transactions, had to add up everything from the date the money went in and couldn't work out why he got a different figure to the screen. Eventually worked out that DH's money wasn't registering as going in on the running balance.

Man said that if any DD bounced whilst it was being fixed, they'd refund charges (though why they didn't pay them given my account actually had the right money in it got me a bit annoyed).

Account was checked on the Mon, and balance was corrected.

Checked the account on the Fri, the balance had shot up. Hadn't been paid into the account, so presumed that they'd made another error and registered DH's money twice (was just before pay day and account should be near to nil, but was registering 1500!)

Rang the bank. Spoke to a lady who didn't really get my issue, tried to go through the account with me and couldn't see what I was getting at (such as, if money was going out, why my balance was going UP).

Left the account for a few days, checked on Monday after my pay day, and balance seemed a bit more stable to what we'd expect.

Been to take some cash out today, balance is £550 (lower than I'd expect!) but we can withdraw £1160 which I just dont understand?! I did a quick sum that if I took the account balance, less the money I've withdrawn today and yesterday, less the transfers to my account / saving account, PLUS £1170 gets me back to the £1160 - but DH hasn't trf his money, so we are not expecting there to be this money in.

The bank seem totally confused over this £1170 (the original payment from DH) and its going in and out. I'm getting really pissed off as half the time they dont understand when I phone up what is causing the problem or even tell me what the account should be. My balance hasn't been right since approx 1st July and I've lost track. The bank seem to think that if they bounce anything, they'll pay charges and it will all be okay, but don't seem to get that I'm concerned if something bounces it will affect my relationship with that company iyswim.

I'm fed up pf phoning them. Esp when I discover the problem at 5:00 and the bank isn't open.

DH doesn't understand why I'm concerned, so he's just making me angryier!

So, AIBU to expect my bank to get my balance right, and, as a bonus point, can you guess what bank I'm with grin

purepurple Tue 25-Aug-09 18:09:07

YANBU
I am confused just reading it
Is it Abbey?

bluebump Tue 25-Aug-09 18:09:33

Natwest? I'm only saying that as i've had issues with them!

What a pain though in general, regardless of paying you back any charges you should be able to be reassured that you know exactly what is coming in and going out of your account!

harleyd Tue 25-Aug-09 18:10:14

i bet its halifax
they fuck me off on a weekly basis

wingandprayer Tue 25-Aug-09 18:10:52

Abbey would be my guess.

I think YANBU expecting people in the call centres should be able to get you accurate information and follow the instructions they have been given.

YAB a teeny bit U if nothing has actually gone wrong yet. Has this problem only affected your acount this mmonth? Have you just moved to this bank or has something else changed to throw spanner in works?

wingandprayer Tue 25-Aug-09 18:13:14

God should have explained the YABU bit - I meant that worrying a lot about something which may not happen is a waste of energy.

ElfOnTheTopShelf Tue 25-Aug-09 18:16:30

Its not a new acct, have been with them for 6 years

eandh Tue 25-Aug-09 18:18:36

I expect it'll be abbey (and I work for them now and its a nightmare sad)

ElfOnTheTopShelf Tue 25-Aug-09 18:18:43

they have changed their provider for cash point transactions, which was apparently affecting x amount of thousand people, which they reckon is down to about a few hundred now.

I keep checking the acct now with the error, the mortgage goes out on the 1st, and the mortgage company (same co as the bank provider) is a bit happy grabby for reposessions apparently (not that we have ever defaulted on a payment, but wouldn't want to iyswim!)

ElfOnTheTopShelf Tue 25-Aug-09 18:19:11

Not Abbey, Halifax or Natwest grin

AuntieMaggie Tue 25-Aug-09 18:20:08

Gotta be Abby. They keep trying to pay DP's credit card payment to his old bank account despite him having set it up correctly and it being right some months, then others they randomly pay the wrong thing.

eandh Tue 25-Aug-09 18:22:18

lloyds/rbs?

ElfOnTheTopShelf Tue 25-Aug-09 18:23:47

Not Abbey, Lloyds or RBS grin

(though this doesn't sound promising if we ever change banks!)

WriggleJiggle Tue 25-Aug-09 18:25:56

HSBC - they are truely rubbish

PM73 Tue 25-Aug-09 18:26:17

You have already said it's not the Halifax & i am very surprised it's not them,i had a similar thing last yr with them & it took ages of explaining to get it sorted.

PM73 Tue 25-Aug-09 18:27:14

BTW we also bank with First Direct & they are fabulous,cannot recommend these enough.

Narketta Tue 25-Aug-09 18:28:36

Sounds like a Barclays style cock up to me!!!

MrsGladpuss Tue 25-Aug-09 18:35:01

eandh were you a B&B employee? And now a ShAbbey?

Can I put 10p on Barclays please?

<apologies for hijack but I am extremely nosey>

ElfOnTheTopShelf Tue 25-Aug-09 18:36:07

Not HSBC (though DH's account is with them, he swears by them)
Not Barclays (my personal acct is with them, not had any issues with them yet)

I accept that sometimes there are errors, but dont get why the same error seems to reoccur.

I did get my statment the other day to the 11th where they have "fixed" the statement to show the right balances, to be different to what was registering on their screens and at the cash point. But they wont send me another statement without charging me £10 to let me work out what the balance should be.

Am going to ring and terrorise them tomorrow.

Shall I reveal the bank now?

MrsGladpuss Tue 25-Aug-09 18:36:23

Ooh yes I love First Direct. Move your account to them. They'll give you £100 and are just lovely!

ElfOnTheTopShelf Tue 25-Aug-09 18:37:00

Seriously - £100 for just transferring?!

MichKit Tue 25-Aug-09 18:45:13

Come on Elf, what bank is it so I can avoid?

MrsGladpuss Tue 25-Aug-09 18:45:35

Yes. I got £100, DH got £100 (an account each). AND they moved all the direct debits/standing orders across and did all the faffing about. Matched overdraft too.

And they answer the phone with a person who speaks English in 3 RINGS!!

I'll see if I can do a link...

Do I get a cut? Like a finders fee, say a tenner? wink

And is it Alliance and Leicester?

MrsGladpuss Tue 25-Aug-09 18:46:39

[[http://www.firstdirect.com/1st-account/ here] for FREE MONEY!!

MrsGladpuss Tue 25-Aug-09 18:48:30

Sorry here

Now put us out of our misery!

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