That Spanish Bank
Discussion
Having set up an on-line savings account with the big Spanish mob (ignoring the crap customer reviews doh!), I made regular payments into it. Come the day I wanted to transfer the money, my old age kicked in and I couldn't remember what I had for my log in details. I though I did, but obviously not, because it wasn't having any of it.
My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
Elroy Blue said:
Having set up an on-line savings account with the big Spanish mob (ignoring the crap customer reviews doh!), I made regular payments into it. Come the day I wanted to transfer the money, my old age kicked in and I couldn't remember what I had for my log in details. I though I did, but obviously not, because it wasn't having any of it.
My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
don't forget to sorn itMy fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
every f
king year!Elroy Blue said:
Having set up an on-line savings account with the big Spanish mob (ignoring the crap customer reviews doh!), I made regular payments into it. Come the day I wanted to transfer the money, my old age kicked in and I couldn't remember what I had for my log in details. I though I did, but obviously not, because it wasn't having any of it.
My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
So you can't remember your details, but this is their fault.My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
What did I miss?
Soovy said:
Elroy Blue said:
Having set up an on-line savings account with the big Spanish mob (ignoring the crap customer reviews doh!), I made regular payments into it. Come the day I wanted to transfer the money, my old age kicked in and I couldn't remember what I had for my log in details. I though I did, but obviously not, because it wasn't having any of it.
My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
So you can't remember your details, but this is their fault.My fault, I rang the 'helpline', spoke to an Indian chap who, who didn't inspire confidence on the basis I couldn't understand a word he said. I'll put new details in the post says he. 7-10 days says he! 10 days later, nothing. Spoke to another nice Indian lady, no communication problem this time. No request ever made says she. Not wishing to argue, I ask for new log in details. 7-10 days says she. 10 days later..nothing. So I've just rang again, no such request has ever been made says she. I bit my lip and asked for new details. Yep, 7-10 days. Why do I doubt they'll come. So that will be a month without being able to gain access to my cash.
The moral of the story. When a bank has got such shocking customer reviews as this one, don't think it won't affect you. (And the money will be moved as soon as I get access to it...spending it on a track day car!!!)
What did I miss?
I fully accept the Homer award for forgetting my log in details. At least it didn't accept what I thought they were. But the advice says 'ring this number and we'll send you new details'.
Well actually. They won't. Not once, not twice and I suspect not three times either.
The point is, the customer service reviews are apparently accurate. This bank is hopeless.
Well actually. They won't. Not once, not twice and I suspect not three times either.
The point is, the customer service reviews are apparently accurate. This bank is hopeless.
Elroy Blue said:
I fully accept the Homer award for forgetting my log in details. At least it didn't accept what I thought they were. But the advice says 'ring this number and we'll send you new details'.
Well actually. They won't. Not once, not twice and I suspect not three times either.
The point is, the customer service reviews are apparently accurate. This bank is hopeless.
The customer service is hopeless but they have employed another 1000 staff to help with it, although this will only be usefull once they are all trained!Well actually. They won't. Not once, not twice and I suspect not three times either.
The point is, the customer service reviews are apparently accurate. This bank is hopeless.
Have you tried going in to a branch and asking them to sort it out, you might get a better response and they have the option of phoning the head office helpline if they cannot sort it, only if the issue is logged on their DST (Dis-Satisfaction Tool) though ;o)
Edited to clarify - Staff use, and have to log things on the DST, not customers
I had a similar problem last year. I manage all my accounts online and when I opened a new account and asked itto be linked to my existing card and hence online account, they made an error and reset my online log in details locking me out of my accounts.
It took me 3 attempsto get them to send out the new log in etails. When I went into the branch to ry and get them to sort it out they were no use at all, although very pleasant.
I did make a formal complaint and they sent a cheque for my inconvenience although even that didn't go smoothly as they sent the letter but the cheque never arrived so I had to chase that up as well.
It took me 3 attempsto get them to send out the new log in etails. When I went into the branch to ry and get them to sort it out they were no use at all, although very pleasant.
I did make a formal complaint and they sent a cheque for my inconvenience although even that didn't go smoothly as they sent the letter but the cheque never arrived so I had to chase that up as well.
I am at present going through the Financial Ombudsman with a complaint. In June last year I opened a savings account online. Instead of this they opened a current account for me, while doing this they sent a switching notification to my existing current account closing it on my behalf. The problem is, I didnt know this until I had a notification from one of my insurance companies telling me I had changed my direct debit.
I rang spanish bank and cancelled account, then 3 days later cancelled it again, then repeated this 5 times. They ignored my request/complaints. This went on for 2 months, I then involved the Ombudsman, it was then that spanish bank decided to react. During this period they were charging me for interest on the DD's and over account charges. They only had a £100 overdraft on the account.
Even now they have a black mark on my credit file and want £850 ish from me. Which they will refund £450 ish when they have cleared account. The impartial Ombudsman doesnt care about the banks lack of procedure following, nor the lack of complaint handling. Nor the fact that even after repeatedly asking for account to be closed I still had charges taken out. They just side with the bank. So now im awaiting the final outcome from Ombudsman, but im not holding my breath.
My whole problem is based on the bank ignoring my requests to cancel account. They then charge me nearly £800 in charges over the months it has been going on.
Spanish bank have admitted it was them at fault, but wont remove charges nor clear credit file. Hence Ombudsman.
So anybody who thinks its a good idea to join them, beware.
I rang spanish bank and cancelled account, then 3 days later cancelled it again, then repeated this 5 times. They ignored my request/complaints. This went on for 2 months, I then involved the Ombudsman, it was then that spanish bank decided to react. During this period they were charging me for interest on the DD's and over account charges. They only had a £100 overdraft on the account.
Even now they have a black mark on my credit file and want £850 ish from me. Which they will refund £450 ish when they have cleared account. The impartial Ombudsman doesnt care about the banks lack of procedure following, nor the lack of complaint handling. Nor the fact that even after repeatedly asking for account to be closed I still had charges taken out. They just side with the bank. So now im awaiting the final outcome from Ombudsman, but im not holding my breath.
My whole problem is based on the bank ignoring my requests to cancel account. They then charge me nearly £800 in charges over the months it has been going on.
Spanish bank have admitted it was them at fault, but wont remove charges nor clear credit file. Hence Ombudsman.
So anybody who thinks its a good idea to join them, beware.
i have a friend who had £1 in his account as he had given up trying to close the account and just moved all his money and dd etc to a lloyds account.
he is now abroad and not using the Spanish account.
however the reason i know he had a £1 in the account is that his old flat mate opened a letter from them (he had said to do this) and they were going to charge him £25 for an unauthorised overdraft, he said when he was on the phone to them in the middle of the night local to him, they could not see how this was wrong as the balance on his account was now -£24.
i got a text from him the other day, they should have refunded the money and finally closed the account. new letter says another £25 for being overdrawn now £49 in the red. he is writing to them to allow me and the wife to deal with them on his behalf. i doubt that will ever get recorded and he will incur more charges as he fights it.
My son has had almost as many problems with them as him, but they did finally close his account, but only when his mum went with him who used to work at natwest as a manager so knows banking.
they are usless
he is now abroad and not using the Spanish account.
however the reason i know he had a £1 in the account is that his old flat mate opened a letter from them (he had said to do this) and they were going to charge him £25 for an unauthorised overdraft, he said when he was on the phone to them in the middle of the night local to him, they could not see how this was wrong as the balance on his account was now -£24.
i got a text from him the other day, they should have refunded the money and finally closed the account. new letter says another £25 for being overdrawn now £49 in the red. he is writing to them to allow me and the wife to deal with them on his behalf. i doubt that will ever get recorded and he will incur more charges as he fights it.
My son has had almost as many problems with them as him, but they did finally close his account, but only when his mum went with him who used to work at natwest as a manager so knows banking.
they are usless
I wouldn't touch them before the lastest sower bought them.
We can only speak as we find. I bank with Soovys old employers. Once in 34 years they have cocked up and then they put it right within a month and sent me a sizable 'sorry' cheque. Go on the net though and you'd think that they made Fred's sponsors look good.
We can only speak as we find. I bank with Soovys old employers. Once in 34 years they have cocked up and then they put it right within a month and sent me a sizable 'sorry' cheque. Go on the net though and you'd think that they made Fred's sponsors look good.
Elroy Blue said:
...
Tried to electronically transfer the money to a new account with my old bank. FOUR days..for an electronic transfer? Every other bank manages it in about 30 seconds.
What a steaming, useless pile of poo this bank is.
Halifax is just as bad - both ex building societies. Barclays/HSBC/Lloyds = proper banksTried to electronically transfer the money to a new account with my old bank. FOUR days..for an electronic transfer? Every other bank manages it in about 30 seconds.
What a steaming, useless pile of poo this bank is.
Gassing Station | Finance | Top of Page | What's New | My Stuff