How do I deal with the bank?

[Katymac]

I have 2 accounts

1 has loads of DD & small overdraft
1 has no DD & large O/D

I want the large O/D on the DD account or the DD on the account with the larger O/D

Are you with me so far?

Well telephone banking say no go into the bank
Took time off my job & went in - young man said we can't help anymore ring complaints dept

So I rang complaints & was put on to branch - who promised to ring back that day & didn't

The next day (wed) I rang back to be told I had to come into the branch - I can't because of work - so they would ring me on Friday (I was unavailable on Thurs)

They didn't - I rang on Sat and they said they would ring me back & they didn't - so what do I do now?

Change bank. And let the original bank know why.

Do you have Internet banking?

Set this up first with the large OD account. You can phone up and cancel all the direct debits from the small OD account and set them up yourself on the large one.

Most bills will have the account details at the back with where the payment methods are so you can set them up yourself on the internet x

I think they are confuzzled by it. Just ring and ask for whoever deals with overdrafts. Don't start switching dd's it'll be a nightmare - you just need the OD limits switching and to transfer some money. It's not brain surgery for them is it?

Or do what freckle says I get really annoyed when they mess me about at the bank!

You can't set the dd's up yourself - the companies will claim from the account number they have.

MrsGrinch - that is my point - it's not hard is it

I won't do it myself - I'm too lazy (35 DD)

Might change - but only after I have got my own way

Right, first ring your branch and ask for an appointment with whoever is your account manager. You can't just do this type of thing on spec with the oik on the counter.

I assume you mean overdfraft facility, rather than overdraft balance? If that's the case ask the bank to switch the facility to the other account. They may do it if you forgo any o/d facility on the other account. If they won't do that, ask them about linking the accounts, so the one with the larger o/d facility feeds the other one to maintain a minimum balance. RBS can do this, the other high street branches should be able to.

As a last case scenario, ask about help in moving the DDs. I wouldn't recommend this tho' it invariably goes wrong and one gets lost somewhere.

Are these personal or business accounts? Do you need both accounts?

If the bank continue to be unco-operatgive, just tell the account manager that you will be moving your accounts.

did you see this Katymac?

Sorry Clumsymum - I've had a bit of a crappy weekend (DD losing her DS & spending 3 hrs looking for it, DH being poorly & other minor but inconvenient stuff)

Really at the moment with the bank it is them not returning the calls I am crossest about - so I haven't decided what to do as yet - thanks for your advise