Bank of Scotland

...poorly & that included the Bank of Scotland, part of Halifax Bank of Scotland or HBOS for short. Courtesy of the BBC the final results read: (Percentage figure is the amount of customers satisfied) 1, First Direct 87.2% 2, Smile 81.8% 3, Co-op Bank 73.9% 4, Royal Bank of Scotland 51.3% 5, Nationwide 47.9% 6, Yorkshire Bank 43.3% 7, Clydesdale Bank 38.2% 8, Alliance & Leicester 36.13 9, Nat West 33.8% 10, Lloyds TSB 29.9% 11, HSBC Bank ...
...had been with the Clydesdale Bank since I was a schoolboy, a Scottish based but Australian owned bank. In recent years the service they provided declined, the cash machines were forever empty; the queues at the branches were getting longer with less staff serving & the interest rate on my current account became laughable. Apart from that, they did away with the enquires desk at my local branch forcing you to queue for the slightest enquiry, pester ...

ScottishWestie 07.04.2008 · Read full review
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Review of Bank of Scotland

...time there was a charming bank called Bank of Scotland, which really cared about customer service... Bank of Scotland merged with Halifax to create HBOS. Before the merger, we were reassured that nothing major would change, accounts and services would not be affected, and generally life would go on as we knew it. What actually happened pains me greatly as, up till the merger changes, Bank of Scotland was one of my favourite banks. Non-Branch Based ...
...not yet transferred all the bank accounts to the new (Halifax) system. Our current account was on the new (Halifax) system and our instant access savings account was on the old (Bank of Scotland) system. The accounts were not converted to branch based accounts; the savings account was just left in limbo - barely accessible by peeved staff. Telephone Banking ================= There used to be a 'free' phone number for 'Banking Direct' telephone ...

ariadne 29.11.2001 (17.08.2004) · Read full review
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Review of Bank of Scotland

...ever got to an off-shore bank account before I joined the Bank of Scotland. I've been with them for over six months now, and on the whole, my experience has been good. For a student, there are three things about a bank account that you want to see: stupidly large overdraft limits, bank managers with friendly-looking faces, and shiny free gifts. Impressively enough, the Bank of Scotland manages all three. A first-year overdraft limit of £1250 (recently ...
...despite my pathetic pleas, the Bank of Scotland wouldn't lend me anything to tide me over until the cheque finally came through. I was somewhat disappointed at the time, given their promotional paraphenalia which promised so much. Since that initial glitch, however, I have to say that on the whole I have been quite impressed with the bank. They leave me to use their facilities in peace, without endless junk mail or stomach-churning messages popping ...

ronniec 09.11.2000 (03.02.2001) · Read full review
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Review of Bank of Scotland

...I have been with the Bank of Scotland for as long as I can remember, probably about 18 years, however I am about to close my account because I have become increasingly annoyed with their treatment of me as a customer. My home branch is Portobello in Edinburgh and I only did my banking there until I left home and moved in to the centre of town. The first problems I started to have were when I turned 18. I went into the nearest branch to where I lived ...
...had the money in a Bank of Scotland account to clear off my Bank of Scotland phoneline loan, and they had no way of electronically transfering the funds, I have to write and post them a cheque. Does that seem slightly backwards to anyone else? Anyway, whilst all this is happening, I am getting charged £20 - £30 pounds every time I go over my overdraft limit or a direct debit doesn't clear. I am also paying interest on my overdraft and a £15 'maintenence ...

polli 23.06.2002 · Read full review
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Review of Bank of Scotland

Ah, Bank of Scotland and me. The ultimate love/hate relationship, except without, you know, the love. Actually, I liken it more to a marriage of convenience, complete with the 7 year itch. I think about leaving, often, but I never quite work up the energy. And just as I am about to finally pack my moneybags and split, something happens to keep me hanging on. I really have banked with BoS for 7 years- ever since I moved to Scotland. In that time, ...
...one day I came across Bank of Scotland's website. Lo, I discovered internet banking. You might have thought that as a customer of some standing, they would have sent me a letter or something to let me know, but hey, let's not sweat the small stuff. I'm a big girl, I signed up myself. Actually, it's not terribly straightforward to sign up. It involves various letters and applications and a bit of telephoning the Internet helpdesk and so forth. And ...

tartantribe 20.02.2002 · Read full review
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Review of Bank of Scotland

...the same branch of the Bank of Scotland since 1994, when I was going through my second stint at University. I opened the account as the branch was closest to my University and It was not a Building Society. In my opinion Building Societies know nothing about current accounts and should leave them well alone. For years I have great service, I could walk into the bank and speak to the staff about a whole range of financial products. The telephone ...
...of my experience with The Bank of Scotland has been a very happy one, and I felt that I was not only a valued customer, but part of a big strange Scottish family. Things started going wrong in 2001 when the company I worked for had gone into administrative receivership. The end result of this was that I was very abruptly made redundant with 2 days pay instead of a months pay, no holiday pay and no redundancy payment. The first thing I did after ...

Champ666 05.07.2004 (02.09.2004) · Read full review
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Review of Bank of Scotland

I joined the Bank of Scotland more than 20 years ago. And although I have tried many other banks along the way, I've always maintained an account (of sorts) with them. Currently my wife and I use their chequeplus current account, their internet savings account and their visa account. The internet service is good if not spectacular. You can quickly see the state of all three accounts and transfer money between the current and savings accounts but ...
...I thought the transfer of bank branch facilities to a telephone company, the beginning of the end. But I have to admit this is definitely not so. The telephone people are invariably helpful and do seem to put themselves out when necessary. Also, the current state of the response rate to a call (that is how long you wait) is excellent. Usually you get someone within a few seconds though in the not too distant past this facility was much poorer. However, ...

hmck 13.03.2001 · Read full review
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Review of Bank of Scotland

I quite lke the Bank of Scotland in many ways. They have a comfortable feel about them and have impressed me with some quite innovative ideas. I think they were pretty clever with their idea of running smaller banking organisations using their own back up facilities. It has made them a force to recognised. However, I am not so sure about their professionalism and expertise which boils down to staff and staff training or general policy. I have found ...

REG 12.08.2000 · Read full review
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Review of Bank of Scotland

...want to beef about my bank or soon to be ex-bank. I am tired of their lack of sympathy and coldly uninterested slant on me as a human being. I am just a number and a small number at that. I have been a member of this bank for 13 years; a faceless member who can't even remember the last time I was in the branch. The only communication I get is a statement every month or a vacantly unhelpful letter about an out of the blue overdraft. My credit card ...
...I went well into the wrong colour. No phone call, no examination of my account, no 'oh, this doesn't look quite right' - just a plain, robotically typed letter telling me I owed them money and if I didn't pay off my mysterious debt (the first I knew about it was the letter), I would owe them more. Point of fact - I now do, because it took over a week for the credit card co to refund my account - another bug bear! However, it is the fact that I ...

rvb13 09.07.2001 · Read full review
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Review of Bank of Scotland

I chose to have a bank of Scotland account 2yrs ago when i was at college, so it was a students accout. After going back to college this year I put in my check on the Wednesday and went in the following Wednesday because I couldn't get money out of my account through thier cash machines only to find out that it hadn't cleared yet. Which I found rather annoying as I have two children to keep on my own. I find 6 working days rather a long time to ...

chicco 31.08.2000 · Read full review
Review of Bank of Scotland

...been banking with the local Bank of Scotland branch, just down the street from me. It's really nice and handy that I actually have a proper, fixed-down branch in the place at the village I live in, particularly in this time and day when an awful lot of rural based banks are being closed down, by all the retail banks, not just my one. However, the banks in the village before me and the village after me have both been closed and replaced by hole-in-the-wall ...
...good thing to have a bank near to you, as if you are able to use a branch you should do so and go in and use it a lot...the more times you go in and use it, the more chance you will be able to get to know the people that serve you. I know that isn't applicable if you go to a big town branch and you get a different teller all the time, but in tural branches the tellers are usually the same most days, so it is easier to form a relationship with them ...

bodylotion_chick 05.08.2000 · Read full review
Review of Bank of Scotland

...and accesories, of course my bank balance took a battering and I lived firmly in the red. I was renting a flat in an expensive part of town and mixing with people who earned about three times what I did as an office junior! It was whilst in Glasgow that I came across the Bank of Scotland, I opened a Cheque Plus Account with them (Mainly due to their proximity to my local pub I confess !!)and found the best cutomer service I have ever encountered. ...
...certainly meant I avoided additional bank charges that I would have encountered elsewhere. Then I met "My Hero", the Branch Manager at the Saucchihall Street in Glasgow,he noticed my transactions and asked if I would like to discuss my account with him. He talked me through every aspect of my spending and advised me on how I could control my money better in future. We changed my current account to one without an overdraft or cheque book (an Easycash ...

RACHAELB 07.08.2002 · Read full review
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Review of Bank of Scotland

...decided to open a new bank account, we decided to go to Bank of Scotland as a few friends of ours were with them and they recommended them. So we did the change and for months it was great we never had any problems, no charges, bills were getting paid, the staff at the telephone banking were helpful and knew what they were doing. Then came along Halifax and boy did it all go wrong from there. Branch Banking When it was BOS whenever you went into ...
...that communication no longer happens, bank charges have gone through the roof, they pay bills at the wrong time (to early) of the month when wages are not in the bank yet and then try to blame you, also they take charges of you for doing it, which then makes you overdrawn, which then gives you another charges for being overdrawn. When you try to complain they tell you it is our fault, when you know the standing order direct debit is not due to come ...

hamishette 21.06.2005 · Read full review
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Review of Bank of Scotland

I have been with the Bank of Scotland for 7 years. To start with it was obligatory because I had a mortgage with them and part of the stipulation was you had to have an account. Fair enough. It was only used for mortgage payments and nothing else. Then a couple of years later I decided I had had enough of the bank my main account was with and transferred all my banking over to BoS. To begin with everything was rosey. I was able to speak to my branch ...
...had an answer. Even the bank charges levied against my account for the odd misdemeanour were reasonable. All in all life was peaceful. Then it all went wrong. Bos and Halifax merged and suddenly it appeared that profits came first and the customer second. Now I know that is bank ethos the world over, but up until the merger, at least the BoS had been subtle about it! The first glimpse came when I received a phone call at work from the bank. My ...

MagicGordon 29.05.2005 · Read full review
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Review of Bank of Scotland

...an account holder at the Bank of Scotland since 1989 or there abouts. -------------------------------------------------------- To summarize, 10 tips for banking…….. 1:Don't have more than one account, it will confuse your bank.. 2: Put on your best suit when you go to see about a mortgage. Dress badly and the advisor will insult you and tell you that you wont get enough to change your mortgage, even though its less than the one you already have. ...
...to phone the bank from your mobile. 9:Don't think that like normal people you'll get a single statement for an account each month. Fully prepare yourself for 3 cross statements covering the same information 10:Spend it quick or you'll have to save it. ------------------------------------ Over the years they have been really good to me, getting me out of some difficult situations when I wasn't earning to much in the old monthly paycheck or when ...

skrg28 30.09.2006 · Read full review
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Review of Bank of Scotland