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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

to never EVER bank with this bank again?

64 replies

TheSeventhHorcrux · 15/03/2013 16:50

I have just logged into my online banking to find that my current account has been deleted. Without any notice. No letters. Nothing.
The more I think about it the more problems this arises.

My bank (I won't name names because I don't think I'm allowed? But I'll give you a clue - they've been buggering up a lot recently) has screwed me over again and again by not paying me my wages, taking out my direct debits too soon etc etc.

AIBU to NEVER bank with these damn people again?

(yes, this is just a rant!)

(and can anyone recommend a decent bank? Or is it better to go with a building society?)

OP posts:
Phosphene · 15/03/2013 16:51

I am with Barclays Premier and they are fantastic.

amothersplaceisinthewrong · 15/03/2013 16:52

If it NW you are referring to, then you are not unreasonable. They are utterly useless, I left them 10 years ago after one error too many by an incompetent bank cler,.

nocake · 15/03/2013 16:52

I don't know who you bank with but I hope it's not the one I'm about to recommend... First Direct. I've been with them for years and have never had anything but great service. Even when they messed up paying my credit card bill because they typed the date in the wrong way round they paid the card charges without any hassle.

Nishky · 15/03/2013 16:53

I second what no cake says!

MrsMangoBiscuit · 15/03/2013 16:54

I have accounts with Barclays and HSBC, both of which have been fab. Barclays were definitely easier to set up multiple accounts with, so we have different ones for mortgage, bills, food etc.

kinkyfuckery · 15/03/2013 16:54

They've deleted your entire account? Not just a glitch? Was there any money in it?

insanityscratching · 15/03/2013 16:55

Never had any problems with Nationwide and they don't try and sell services every time I go into the branch unlike Lloyds TSB who we have an account with as well.

Phosphene · 15/03/2013 16:55

If its Natwest then no YANBU. I used to bank with them when I first come to the UK. I then changed to Barclays Premier and I closed my account. The lady said I don't need to do much. What I didn't think of was that I had a small overdraft once and they charged me a few pence interest on it. Of course I never got a statement about it and after a year!!! I got a letter from a debt collection agency for nearly 1k. Shock

PelvicFloorClenchReminder · 15/03/2013 16:55

Nat West? No, YANBU to never bank with Nat West again.

I'm with Lloyds TSB and they're generally pretty good

Cantbelieveitsnotbutter · 15/03/2013 16:55

I second the nw comment. I'm with nationwide now after they 'stole all my money and gave it to my ex and they are fab, I also like the idea they aren't a 'business'

MooMooSkit · 15/03/2013 16:55

This reply has been withdrawn

This has been withdrawn by MNHQ at the poster's request.

LadyPessaryPam · 15/03/2013 16:56

We were with FirstDirect and they were great, now with VirginOne and they are also very good.

soaccidentprone · 15/03/2013 16:57

Smile (the online part of the Co-op bank) are brilliantGrin

dingit · 15/03/2013 16:58

First direct, and they were paying £100 for new accounts.

Cantbelieveitsnotbutter · 15/03/2013 16:58

Nw also closed my account for me even though I was still having substantial wages paid in, because my account was linked to the joint account which linked my ex's which was massively over drawn.

DinglebertWangledack · 15/03/2013 17:00

was there any money in it? if so what have they done with it

IAmNotAMindReader · 15/03/2013 17:05

YANBU Natwest have screwed us over trying to deal with a deceased relatives affiars.
Their breavement officer or whatever they are called is supposed to take all the details once and pass them to the relevant departments so noone is trying to chase up 40 different departments telling them all the same thing. Somewhere along the way this has buggered up and we're still dealing with it all.

Worse still is some departments won't deal with us at all and we may end up having to turn up to small cliams court with deceaseds remains in order to convince them.

Original poster
TheSeventhHorcrux · 15/03/2013 17:08

Er... yeah. It is Natwest Smile how did you know?! lol

OP posts:
chickensaladagain · 15/03/2013 17:08

I use first direct -most hassle free bank I've ever used

Fast · 15/03/2013 17:08

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

Original poster
TheSeventhHorcrux · 15/03/2013 17:10

Luckily, no money in it. Bizarrely I was £100 into my overdraft (I'm on statutory sick at the moment but it hasn't come through yet). I use this account for EVERYTHING so it hasn;t been left dormant or anything.

What annoys me even more is that I can't get hold of the bastards! All of the numbers are 0845s and I've been stuck with the automated messages not letting me through to an actual person.

Argh!!

OP posts:
LittleWhiteWolf · 15/03/2013 17:11

YANBU for not wanting to bank with a bank who have treated you badly, no matter who they are.

I've been with Natwest since I was 16 and have had not one problem with them. To me they are faultless. Halifax and Lloyds TSB on the other hand will never get mine or DHs custom again as they were terrible to us. Its all relative, right?

Original poster
TheSeventhHorcrux · 15/03/2013 17:12

Oh, And i had completely very proudly paid off my overdraft a couple of months previously and last week was the first time I had dipped into it since.

OP posts:
Original poster
TheSeventhHorcrux · 15/03/2013 17:13

LittleWhiteWolf - I have been with Natwest since I was 14 and remained loyal to them - that's why I'm struggling.

I notice that no one recommends Santander? Wink

OP posts:
Original poster
TheSeventhHorcrux · 15/03/2013 17:14

*Sorry, that's why I'm struggling with the decision to leave them

OP posts:
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