Sir Bob Almighty! 0 Posted February 6, 2009 Share Posted February 6, 2009 What banks is everyone with here? I'm sick to death of getting ridiculous charges from mine (Nationwide) and I'm thinking of swapping over to a different one. What banks would you recommend? preferably a one that has the option for a student overdraft and one that wont screw me over at every turn. Cheers lads Link to comment Share on other sites More sharing options...
Meenzer 13924 Posted February 6, 2009 Share Posted February 6, 2009 Of the big boys, Nationwide is among the least likely to go to the wall. Not that that helps you much right now, but you might be thankful at a later date. None of which explains why I'm still with Barclays to be honest (other than general apathy/stupidity). Link to comment Share on other sites More sharing options...
Andrew 4181 Posted February 6, 2009 Share Posted February 6, 2009 I have a student account with halifax, its good, online banking no stupid charges (as yet) interest free overdraft up to £3000 for up to a year after you graduate although I have capped mine at 1k because i do not want to getinto 3k of debt i'd have no chance of paying off Link to comment Share on other sites More sharing options...
Sir Bob Almighty! 0 Posted February 6, 2009 Author Share Posted February 6, 2009 I have a student account with halifax, its good, online banking no stupid charges (as yet) interest free overdraft up to £3000 for up to a year after you graduate although I have capped mine at 1k because i do not want to getinto 3k of debt i'd have no chance of paying off Booked in an appointment with Halifax for next week Thanks, man. Link to comment Share on other sites More sharing options...
Dr Kenneth Noisewater 0 Posted February 6, 2009 Share Posted February 6, 2009 Used to have a mortgage with the Halifax, I thought they were shit. Nationwide and NatWest have proved the most reliable and helpful in my experience. Link to comment Share on other sites More sharing options...
Craig 6284 Posted February 7, 2009 Share Posted February 7, 2009 £3k overdrafts? Fucking hell!! I thought I had a mahoosive one at £1500 when I was a student.... I'm with HSBC and have been now for 13 years. Can't fault them. Have heard bad things about both Barclays and Shat West from various mates... Link to comment Share on other sites More sharing options...
Matt 0 Posted February 7, 2009 Share Posted February 7, 2009 HSBC have kept my interest-free overdraft going, which is handy and I've never had any problems with them. Link to comment Share on other sites More sharing options...
bawan 0 Posted February 7, 2009 Share Posted February 7, 2009 LLoyds TSB Silver Account Link to comment Share on other sites More sharing options...
Offshore Toon 0 Posted February 7, 2009 Share Posted February 7, 2009 HSBC's customer service is absolutely woeful. Link to comment Share on other sites More sharing options...
Kid Dynamite 5874 Posted February 7, 2009 Share Posted February 7, 2009 What are you doing to get charged by nationwide like? I have 3 accounts, a mortgage and my house insurance with them and I dont think ive ever been charged?? Link to comment Share on other sites More sharing options...
Rob W 0 Posted February 7, 2009 Share Posted February 7, 2009 aal the same - love you when you're rich and screw you when you're poor Link to comment Share on other sites More sharing options...
Fop 1 Posted February 8, 2009 Share Posted February 8, 2009 Banks are so 20th century. Link to comment Share on other sites More sharing options...
Craig 6284 Posted February 8, 2009 Share Posted February 8, 2009 HSBC's customer service is absolutely woeful. You must have upset them... not had an ounce of problem with their customer service in nearly 15 years. And I've given them plenty of shit to deal with. Link to comment Share on other sites More sharing options...
Offshore Toon 0 Posted February 8, 2009 Share Posted February 8, 2009 HSBC's customer service is absolutely woeful. You must have upset them... not had an ounce of problem with their customer service in nearly 15 years. And I've given them plenty of shit to deal with. They're not rude, but I prefer to be able to understand the person who is attempting to help me. Link to comment Share on other sites More sharing options...
Sicklee Sausage Roll 0 Posted February 8, 2009 Share Posted February 8, 2009 (edited) Nationwide isn't a bank, is it? Avoid Abbey like the plague. Utter shite. Edited February 8, 2009 by Sicklee Sausage Roll Link to comment Share on other sites More sharing options...
Toonpack 6763 Posted February 8, 2009 Share Posted February 8, 2009 LLoyds TSB Silver Account Lloyds are absolute cunts Link to comment Share on other sites More sharing options...
bawan 0 Posted February 8, 2009 Share Posted February 8, 2009 LLoyds TSB Silver Account Lloyds are absolute cunts You've gota be a cunt to them for them to be a cunt to you Link to comment Share on other sites More sharing options...
Toonpack 6763 Posted February 8, 2009 Share Posted February 8, 2009 (edited) LLoyds TSB Silver Account Lloyds are absolute cunts You've gota be a cunt to them for them to be a cunt to you Absolutely not. Exhibit A) Charged my lad £35 for going £2.47 overdrawn, went in to complain on his behalf and ask why they didn't refuse the debit card transaction that put him O/D, at the point of sale, and was basically told nowt they could do. The lad in the branch was canny enough and said he was sorry and said he had a customer in who ended £300 overdrawn because of charges when she went a fiver O/D when away on holiday. Exhibit B - mates business account overdraft facility withdrawn with one weeks notice, was told "Don't worry we're not asking you to pay all of it back immediately, we'll do a loan for you so you've still got those funds available", nice of them eh? OH Aye proferred loan was at 19.8 APR. Fucking Bandits Edited February 8, 2009 by Toonpack Link to comment Share on other sites More sharing options...
bawan 0 Posted February 8, 2009 Share Posted February 8, 2009 LLoyds TSB Silver Account Lloyds are absolute cunts You've gota be a cunt to them for them to be a cunt to you Absolutely not. Exhibit A) Charged my lad £35 for going £2.47 overdrawn, went in to complain on his behalf and ask why they didn't refuse the debit card transaction that put him O/D, at the point of sale, and was basically told nowt they could do. The lad in the branch was canny enough and said he was sorry and said he had a customer in who ended £300 overdrawn because of charges when she went a fiver O/D when away on holiday. Exhibit B - mates business account overdraft facility withdrawn with one weeks notice, was told "Don't worry we're not asking you to pay all of it back immediately, we'll do a loan for you so you've still got those funds available", nice of them eh? OH Aye proferred loan was at 19.8 APR. Fucking Bandits Cant really quote on your mates business but I would imagine that your lad should have made sure he has enough money in his account to purchase stuff on his card. £35 O/D charge applies to everyone so you should be more careful when you are going O/D. Thats exactly why I have took the O/D off my account . But then again it takes a cunt to know a cunt Link to comment Share on other sites More sharing options...
Toonpack 6763 Posted February 8, 2009 Share Posted February 8, 2009 LLoyds TSB Silver Account Lloyds are absolute cunts You've gota be a cunt to them for them to be a cunt to you Absolutely not. Exhibit A) Charged my lad £35 for going £2.47 overdrawn, went in to complain on his behalf and ask why they didn't refuse the debit card transaction that put him O/D, at the point of sale, and was basically told nowt they could do. The lad in the branch was canny enough and said he was sorry and said he had a customer in who ended £300 overdrawn because of charges when she went a fiver O/D when away on holiday. Exhibit B - mates business account overdraft facility withdrawn with one weeks notice, was told "Don't worry we're not asking you to pay all of it back immediately, we'll do a loan for you so you've still got those funds available", nice of them eh? OH Aye proferred loan was at 19.8 APR. Fucking Bandits Cant really quote on your mates business but I would imagine that your lad should have made sure he has enough money in his account to purchase stuff on his card. £35 O/D charge applies to everyone so you should be more careful when you are going O/D. Thats exactly why I have took the O/D off my account . But then again it takes a cunt to know a cunt I would have thought the "system" was smart enough to reject a transaction that means you're spending what you haven't got, but then that would kill off a nice little earner wouldn't it. Link to comment Share on other sites More sharing options...
Albert Kirkey 0 Posted February 9, 2009 Share Posted February 9, 2009 aal the same - love you when you're rich and screw you when you're poor Very true. I'm coming around to the readies under the mattress approach, no hidden charges there Link to comment Share on other sites More sharing options...
WubbleUC 0 Posted February 9, 2009 Share Posted February 9, 2009 aal the same - love you when you're rich and screw you when you're poor Very true. I'm coming around to the readies under the mattress approach, no hidden charges there Pah, I'll have to find a new place to store my dynamite now. Link to comment Share on other sites More sharing options...
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