Abbey****ingnational....
Abbey****ingnational....
Author
Discussion

Paulbav

Original Poster:

2,144 posts

252 months

Sunday 11th September 2011
quotequote all
Got in today to find a letter from Abbey stating we had gone into our unauthorised overdraft and need to to pay the balance immediately of £127.67 including any charges accrued!
I was a little suprised as the account in question is our joint account that we stopped using last year following another Abbey fk up where they reduced our overdraft to £0 from £500 because we were not using it and with out telling us, as a result when my card got withheld by a faulty (abbeyfkingnational) cash point, I decided to use the joint account assuming I had my overdraft but oh no! instead I got £75.00 of charges which they did eventually reverse but all the time saying it was my fault for not noticing on my £0.00 staments they had cancelled it and that they would never reverse them againrolleyes

This time however I used the card in error paperbag(now stored in a draw not my wallet) I spent £2.67 in Tesco! From then until now have accrued £5.00 per day in fees, with the first notification being the statement dated 5th September and the overdraft letter arriving on the same day (today) FFS... Now to make matter worse the number I need to call is only open on Monday meaning that by then it will have increased by £35.00!

Can this be legal? surley a text or email or just refusing the fking card that THEY removed the overdraft from would have sorted all of this! How is it they can call me on my mobile to sell me insurance or email me st about telephone banking but feel the need to notify my of somthing that I actually care about my fking snail mailmad bunch of fking idiotsbanghead.

I guess Monday morning is going to be spent talking to "Kevin" in Delhi about my options rolleyes

Any advice welcomed, at the moment I am intending to cancel all three Abbey accounts, ISA, and credit card and going to another bank but don't want to bite my nose off to spite my face (although I do fking hate them)shoot

Agghhhhhhhhhhhhhh

Paul

PurpleMoonlight

22,362 posts

174 months

Sunday 11th September 2011
quotequote all
Thanks to the Supreme Court the banks now have free reign to shaft you as much as they like.


Eric Mc

124,076 posts

282 months

Sunday 11th September 2011
quotequote all
Abbey?

Do they still exist?

Paulbav

Original Poster:

2,144 posts

252 months

Sunday 11th September 2011
quotequote all
Eric Mc said:
Abbey?

Do they still exist?
Yes, but I do still eat Marathons, clean with Jif and watch Emmadale farm.......







(Don't really watch Emmadale farm)

cuprabob

16,976 posts

231 months

Sunday 11th September 2011
quotequote all
Paulbav said:
Yes, but I do still eat Marathons, clean with Jif and watch Emmadale farm.......







(Don't really watch Emmadale farm)
To be fair noone does as it was Emmerdale Farm and now Emmerdale.

Although I'm sure Emma Dale is a nice girl

Eric Mc

124,076 posts

282 months

Sunday 11th September 2011
quotequote all
Peter Noone?

Zippee

13,800 posts

251 months

Monday 12th September 2011
quotequote all
Paulbav said:
Any advice welcomed, at the moment I am intending to cancel all three Abbey accounts, ISA, and credit card and going to another bank but don't want to bite my nose off to spite my face (although I do fking hate them)shoot

Agghhhhhhhhhhhhhh

Paul
Your answer is within the quoted text. We had loads of problems with Abbey/Santander - they duplicated set ups of standing orders, cancelled DDs with no notice or authorisation, took 3 months to send a new debit card out and to top it all didn't close off a completed mortgage account (we'd moved to another lender) that meant 2 years later after the 2nd lenders deal came to and end we were rejected for bad credit history in trying to move to another deal. The reason - where they'd failed to close the account properly it left 24 months (and accruing) nil payments on our credit file. On contacting them they first of all denied all knowledge, then stated our files were now archived and it'd take at least a month to get them back before they could do anything, then lost all records of any conversations befoer finally sorting it out when we went to the ombudsmen.
We now bank with Nationwide and have no problems.

mickymellon1

371 posts

182 months

Monday 12th September 2011
quotequote all
if you do one thing to make your life easier and lower your stress levels, switch to First Direct who understand the basics (and more) of personal banking, speak English and can actually do something apart from reading a script

TotalControl

8,265 posts

215 months

Monday 12th September 2011
quotequote all
mickymellon1 said:
if you do one thing to make your life easier and lower your stress levels, switch to First Direct who understand the basics (and more) of personal banking, speak English and can actually do something apart from reading a script
Plus eleventy fking million!

I went from Santander to First Direct over a year ago and have had a grand total of ZERO issues in that time. They are available 24/7 and speak to you properly, in English. I have now cancelled everything with Santander (pending, but most probably will end up in a fk up by them) and am eternally happier with the way I am treated now. You even feel special when you go into HSBC, whenever you need to, which has only been once since I started banking with FD.

Paulbav

Original Poster:

2,144 posts

252 months

Monday 12th September 2011
quotequote all
Cheers for the advice, we had a result in as much as they reversed all the charges and to be fair to them without any arguing but unfortunately for me it is to little to late, we have had so many issues with them in the past including as well as this I think it is time for a change. I will look into First Direct as sounds just what I'm after.

Thanks

Paul

IanA2

2,892 posts

179 months

Monday 12th September 2011
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Another vote for FD. For twenty years I tried every bank there was. All crap. Then along came FD, never looked back. Really excellent. Recommended to so many friends, all of whom are still with them years later. If Carlsberg did banking.............

Sir Bagalot

6,808 posts

198 months

Tuesday 13th September 2011
quotequote all
Back in 1999 Abbey National set up Cahoot, an internet only bank.

I opened an account and thought they were excellent.

Then along came a bank called Santander who bought Abbey National.

Cahoot kind of got sidelined, and when I found out they weren't going to offer the faster payments service I though it was time to move. Santander was the obvious choice. How fking wrong was I?

Santander are the most fking useless pisspoor excuse for a fking bank. they were fking useless, a bunch of complete and utter fkwits.

The story does have a happy ending because I then did what I should of done and moved to First Direct

chr15b

3,467 posts

207 months

Tuesday 13th September 2011
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Another vote here for fd, been with then 15 years now without single issue

TotalControl

8,265 posts

215 months

Tuesday 13th September 2011
quotequote all
Just dug out my FD thread. It's been almost a year and a half now. thumbup

http://www.pistonheads.com/gassing/topic.asp?h=0&a...

edit - seems as though Lloyds were pissing me about as well as Santander back then. Poor show from these banks imo.