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  • by lilstevey (4628) on 2008.07.04 18:22 (#63793) Journal
    I've recently swapped banks myself.

    Very stupidly I agreed to a pay-for-banking-deal - it seemed like a good deal, cos I was applying for a mortgage at the time.

    It was like ticking a box saying "rob me blind" I wouldn't be at all surprised if banks have a target list of fools who have accepted there rip-off deals and target for further abuse.

    A little while later £800 was wrongly charged to my account ( Apparently for a TV ). I had also been a mug and paid for "insurance" in case my card was lost or stolen.

    I phoned up the helpline to report it. They said the bank would deal with it, and referred me. It took me weeks and weeks to get my money back - long after they had received a signed document from me expressing in writing that the transaction was nothing to do with me.

    I can't at present remember the last phone call I had with them on the subject, but I was very forceful. The money was transferred very soon after.

    A day later, I got a phone call from them, saying that another £800 had been transferred to my account, and could they have the money back.

    It took weeks of my inconvenience for them to benefit from me, but days ( if that ) for them to notice a mistake that cost them money.

    A few other errors on their part later and I've since shifted my current account to the nationwide - who at the moment I'm very happy with.

    There's some darn nice people working very hard in some branches - I used to have a good relationship with my branch until they closed it and moved banking to call centres, and even that recently, at one point I wrote a letter of compliment about one branches help for me with my previous bank, but at the end of the day I hold the belief that on an organisational level some of the big high street banks really don't appreciate whose money they are looking after.

    With very little effort and inconvenience people can not only stop funding these corrupt institutions, but can also get a better deal for themselves by shopping around.

    I respect you for finding better deal -more people should do the same and show these people where their salary comes from.
    • By law, the banks are liable for virtually any mistake. If there is any question, then you get the benefit of the doubt, always. Somebody stole your credit card and racked up a bill? Their liability, not yours.

      The result is that mistakes are fairly few and auditing for fraud is rather tight. It also gives the banks a lot of incentives to get security right. Because if they can't prove that it was you withdrawing money from the ATM, they lose. Which means that things like having a security tape with a