[DevilsDuck]

...is it........nope, he is to young it is not fair

[dimtimjim]

NATWEST!!! What a bunch of wankers!! I HATE BANKS!! Honestly, how much do Natwest waste on selling themselves as 'the helpful bank'. BOLLOCKS! You iz a bunch of ***ts just like all the rest.

I have paid myself today, as usual. Natwest have taken the money out of my business acount, but not put it into my personal account. Apparently this is because all my S/O's would leave me £8 overdrawn on business account, so they have stopped ALL payments. NOTE: stopped ALL payments, for the sake of £8 - not stopped my £20 S/O, or my £50 S/O. No, no, no. That'd be far to silly, why bounce ONE payment when you can hold them all.

I'm told, if I can put the £8 in before 1430 today, all will be fine. Yet when I pointed out you've taken my pay, but not given it to me, or I could just transfer £8 back again, I was told there is nothing they can do to help!!!

how these organisations have got like this is beyond me. Bankers should all be regulated or shut down. I understand the requirement to make money for providing a service, but they are a bunch of law-less scumbags with no regard for real life.

[Yudster]

That level of red tape is totally ridiculous, but I am totally sure that if something like that happened with my bank, given the level of unreasonableness of what they've done, I am 100% confident that if I went in and explained and pointed out that they had put me in an impossible position, they would sort it out for me. I might be being naive, but I really believe they would help me.

[DevilsDuck]

...*shakes head*

Banks suck

[dimtimjim]

That level of red tape is totally ridiculous, but I am totally sure that if something like that happened with my bank, given the level of unreasonableness of what they've done, I am 100% confident that if I went in and explained and pointed out that they had put me in an impossible position, they would sort it out for me. I might be being naive, but I really believe they would help me.

Yeah, I was told my business account manager would be able to sort it, I should see him. I pointed out my business manager is 85 miles away, and you've taken my pay but not given it back to me, so how do you expect me to travel 85 miles with no money....?

"I don't know sir".

TWATS!!!

honestly, I am such a placid character, it takes a lot to get me annoyed, but right now, I really think if I were stood in front of my bank manager, and I had a shot-gun...... I know its wrong and i'd end up in lots of trouble, but them *unts need to understand how it is. Act a twat, BOOM, bye-bye head!

[MK Chris]

Mine would sort that out as well, I'm sure.. the Co-op are good though, I've had no complaints since I've been with them.

[MK Chris]

That level of red tape is totally ridiculous, but I am totally sure that if something like that happened with my bank, given the level of unreasonableness of what they've done, I am 100% confident that if I went in and explained and pointed out that they had put me in an impossible position, they would sort it out for me. I might be being naive, but I really believe they would help me.

Yeah, I was told my business account manager would be able to sort it, I should see him. I pointed out my business manager is 85 miles away, and you've taken my pay but not given it back to me, so how do you expect me to travel 85 miles with no money....?

"I don't know sir".

TWATS!!!

honestly, I am such a placid character, it takes a lot to get me annoyed, but right now, I really think if I were stood in front of my bank manager, and I had a shot-gun...... I know its wrong and i'd end up in lots of trouble, but them *unts need to understand how it is. Act a twat, BOOM, bye-bye head!

Um.. you sound like the sort of scary placid character that's like a ticking timebomb...

Having said that, I agree your bank are being arseholes.

[dimtimjim]

Yeah, maybe a mild exaggeration, but i'm annoyed.

but cheers Toph, I remember you mentioning co-op bank before, I have just spoken to them and they are sending me out an account application form.....

[Yudster]

Well look, I did say I accepted the possibility that I am being naive........

[Nicola_Red]

I'm with Smile who are part of Co-Op and when I first joined they were great. Then I claimed my charges back from them - total of £150. After that they turned completely around and won't do a thing to help me. Every 6 months they say they have to take my overdraft facility (currently £600) away from me and only after pained negotiations will they agree to let me keep one on a repayment facility - despite the fact that my account is run well, I never exceed my overdraft limit and I earn more now than I used to. I lost my purse in November a couple years ago and it took them almost 2 months to get me a new debit card - I had to borrow from Dan to buy all my xmas presents, including his! They are just completely unhelpful. I stay with them cos they're more ethical but I don't think their customer service is any better than the 'big four'.

[Yudster]

I would go so far as to say that if your experience is typical, their customer service is much, much worse.

[bmstinton93]

If only Foots was around...

[DevilsDuck]

Nat West has the worse customer service of them all

[MK Chris]

They're part of RBS, so he should be able to help actually.

[Boboff]

I am with Virgin, which is now RBS, and they are BRILLLLLIANT, Wife is with First Direct and they are ace, I save with Tesco which is very well done too. I recently opened up some accounts with the Post Office, and they are not very good at all.

At the end of the day, if you have problems with a bank it's normally because YOU have messed up. If a bank selectively paid SO's and DD's for "common sence" reasons, and then you or a creditor said that they were "prefering creditors" they would be in deep shit, not you. If you do not have the funds in the bank, it's your fault, no one elses, calling them twats is probably allot of the reason why you aren't getting help. These people are human beings, and sit and drink coffee and moan about what a rude bunch of * wits these TWATS are who don't keep enough money in their accounts and then winge when they get bounced and charged. Not saying thats right or fair, but they do.


Having said all that, I do understand how hard it is to make ends meet, something which I am very grateful that I do not have to worry all that much about, but I am 100% in control of my finances, don't borrow, save, budget, monitor, ammend, you might say thats lucky, or maybe it's the reason why I don't have issues with Banking.

My big issue at the moment is with Banks and Club Books, Phone companies and sky, how can they give my brother, who is incapicitated with Mental Health issues, 24 month £30 a month contracts, £2500 credit limits and the like when he is on benefits and has absolutley no way of affording them? When you ask to cancel and return the items they then want like £500 a pop to do it. There should be better checks and mental capability checks made IMO.

Either way I hope it all works out for you.

[dreamer1978]

Kids in the swimming pool today getting in my lane when i was swimming. In Scotland the kids are only in school 7 full days in April in total.

[R94N]

I have two GCSE controlled assessments next week

[bmstinton93]

Ouch. for what subjects?

[R94N]

English and Chemistry.

[bmstinton93]

Ah well good luck. I've always hated chemistry. Have you gotta write about a book or something in English?

[dimtimjim]

At the end of the day, if you have problems with a bank it's normally because YOU have messed up. If a bank selectively paid SO's and DD's for "common sence" reasons, and then you or a creditor said that they were "prefering creditors" they would be in deep shit, not you. If you do not have the funds in the bank, it's your fault, no one elses, calling them twats is probably allot of the reason why you aren't getting help. These people are human beings, and sit and drink coffee and moan about what a rude bunch of * wits these TWATS are who don't keep enough money in their accounts and then winge when they get bounced and charged. Not saying thats right or fair, but they do.

Agreed Bob, and your not far off the mark. it was poor planning on my behalf to be ending the week £8 down. But, what my problem was on Friday was the fact Natwest hadn't taken 1 of my standing orders (prefer a £20 one over a £200 one, but either way) and bounced it, charged me, and paid the rest. That I could handle. They had put ALL my S/O's on hold while awaiting this £8. Meaning my 'pay' had been taken from one account, but was not available in the other.

Although I left work and ended up getting this sorted within brach, the shower of shit did continue. Turns out the 'business account manager' I was told would be contacting me back (within 4 hours) to resolve the issue was not even with the company any more! But, I remained polite, made my point and stuck to my guns. Took half hour in the branch, but they got it sorted in the end.

[MK Chris]

Ah well good luck. I've always hated chemistry. Have you gotta write about a book or something in English?

I hated Sciences at school, but I love them now, particularly physics and chemistry.

[catherine]

Nooooo micro biology is poo.

[Yudster]

Microbiology is easier than biochemistry.......I always struggled with biochemistry.

[dreamer1978]

Chris keep mentioning Olly on the show. Hes gone and Dave's back for a while before disappearing again. So please stop mentioning him. Its getting annoying.