Advantages Entertainment value nothing else
Disadvantages Untrained staff, unhelpful, inpolite, bad communication, lots of other nasty things I could say
I've had bank accounts since before I can remember. As a youngster, I was always a keen saver, and thought banks were marvelous. They always seemed to pay me money - for nothing. They were always offering free gifts, sent nice birthday cards and magazines, all very positive.Then something happened. I grew up, and became an adult bank customer. The birthday cards stopped. The money they paid me seemed less, magazines simply became junk mail and free gifts weren't quite so tempting. What they did offer came with catches, fees and some ulterior motive.
Still, it's hard to get by without them in this day and age, wages need paying in, bills need to be paid, and tranfers made. I stuck with the bank I had trusted as a child, the well known one beginning with L and rhyming with "Oyds".First time they moaned, was when I started to pay in too many cheques (my beginnings of running a small business). But you'd think they'd like to see all the extra money, but no...too much work for them for no extra money. They wanted me to open a business account, which I thought fine, but they had too many rules and regulations, I decided to open a Girobank account, which asked less questions - just a business letter head I seem to remember. I continued to use Lloyds (oops...) for personal banking.
Time moved on, business went downhill, and a loan was needed - no problem, Lloyds were eager for the business - and deal done. Even when I became unemployed for a short time in my life, they paid the loan for me. More time moved on, I was accepted for a mortgage - although the deal fell through - no fault of the bank.I had a visa card, substantial agreed overdraft which I hardly used, and a great credit history with them. Then I moved abroad, informing the bank before I went. I still had a small balance. I used the visa for a few small payments, booking flights and so on. I went into my overdraft by a small amount, intent on arranging a deposit within a few weeks. The few weeks did turn into a month, but when time came to pay the money in, the bank account had vanished, and my card cancelled!
I contacted the bank, who re-directed me to another department. They informed me that 20 letters had been sent to me regarding my overdraft - despite telling them that I had moved abroad. I asked them which address - they couldn't tell me, as "the system" wouldn't show this. Strange that it showed how many letters, but not where to. Also, 20 letters in a month? Really? I attempted to pay off the amount I owed, but they wouldn't accept it! They told me they had wiped the debt. They couldn't re-open the account for me.I still wanted an account, so they gave me contact details of the Overseas section, where I could perhaps open a more suitable account. They did say that the debt for the previous account would be sought once the account had been opened, and I said fine by me. After many weeks of asking for forms, they still hadn't sent anything. I managed to collect them myself whne next in England.
|Efficiency of service|
|Competitiveness of charges/rates|
|Promptness of service||Poor|
|Online - Content/organization of site||Average|
|Online - Reliability/speed of site||Average|
|Online - Ease of applying for products||Poor|
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