Abbey****ingnational....
Discussion
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 f
k 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 (abbeyf
kingnational) 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 again
This time however I used the card in error
(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 f
king 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 s
t about telephone banking but feel the need to notify my of somthing that I actually care about my f
king snail mail
bunch of f
king idiots
.
I guess Monday morning is going to be spent talking to "Kevin" in Delhi about my options
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 f
king hate them)
Agghhhhhhhhhhhhhh
Paul
I was a little suprised as the account in question is our joint account that we stopped using last year following another Abbey f



This time however I used the card in error

Can this be legal? surley a text or email or just refusing the f






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

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 f


Agghhhhhhhhhhhhhh
Paul
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 f
king hate them)
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. 

Agghhhhhhhhhhhhhh
Paul
We now bank with Nationwide and have no problems.
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 f
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 f

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
Thanks
Paul
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 f
king wrong was I?
Santander are the most f
king useless pisspoor excuse for a f
king bank. they were f
king useless, a bunch of complete and utter f
kwits.
The story does have a happy ending because I then did what I should of done and moved to First Direct
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 f

Santander are the most f




The story does have a happy ending because I then did what I should of done and moved to First Direct
Just dug out my FD thread. It's been almost a year and a half now. 
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.

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.
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