Bank of Scotland Accounts

OK, well just about everyone on here is probably sick of my whinging about the entire UK being afflicted with poor customer service disease, but hey, when organisations keep giving me such easy targets, its hard to resist! Today's target is the Bank of Scotland business current bank account. There are several reasons for their being targetted, but I think they can all be summed up in two ways, misleading advertising and poor customer service. I'll attempt to tackle each issue in detail: WHAT IS THE PRODUCT? --------------------- Well, all businesses need somewhere to store their hard earned ... more

I'm a student and chose the Bank of Scotland mainly because they offered the largest interest free overdraft - In my first year I didn't need this, but I'm thankful that I took it as its proved very handy this year (2nd year) I originally wanted to go with Lloyds - but they said I couldn't bank with them because no member of my family banked with them (great business model) - I hope they go bust now. But them I'm glad they did, because I got to go with Bank of Scotland! Online banking is a breeze - I have two credit cards with the Bank of Scotland, and everything it managed from the one portal ... more

I opened an account with The Bank Of Scotland in June last year. They gave me a lovely camp cash card with a Solo facility, and a cheque book. Everything seemed fine.... for two weeks. I recieved a letter from UGC cinemas regarding a direct debit for their cinema subscription... it had been cancelled. But why? There were sufficient funds in my account and I didn't ask for it to be cancelled. That was black mark number one. A few weeks later I wrote a friend a cheque for some money I owed him. Now, i fully accept that when I wrote this cheque there was not enough funds to cover it. But cheques ... more

I can honestly say that I have never been so badly treated by any bank as I was with thr Bank of Scotland. I had been a loyal customer since I was about 5 so when I went to University I assumed I would get a student accout with them. I waited untill I had turned 18 before applying for one as I thought that it woul be a bit pointless before then as I already had a cheque account with them and i wouldn't be able to take advantage of a switch card or an overdraft untill then anyway. So, my 18th Birthday came around and after much drinking (my first time in a pub honest!) I went along to the bank ... more

I have recently taken a personal loan with HBoS and I was offered the Preference Account. At first I did not accept, but after getting annoyed at my credit card company (Capital One) I have decided to use it in favour of the credit card. The interest rate on the preference account is 28.9% oppose to my credit card is above 30%. Re: Martin Rowley 's review: http://www.ciao.co.uk/BankofScotlandAcco​untsReview5067338 Mor e specifically to Martin Rowley's reply - this is not the bank's fault. You are made aware of the interest rates when you apply, if you go a head and use a large chunk/all of the ... more