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General discussion (archive)Rant about online banking(28 posts)(28 posts)
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This is my favourite topic
Posted March 22, 2011
Only reason I'm with lloyds is because Natwest screwed me over. Had two accounts with them, a standard account, and a gold account (£12 p/m upkeep on it) anyway, 3 months in, job went tits up, so i phone up, transfer all but the next payment out of the gold account to normal account and ask 'em to close the gold account ... "That's done for you sir, you should recieve confirmation in the post in 7-10 working days." Thought all was fine and dandy, 6 months later, letter comes through "You owe us xxx" 6 months of payments, plus overdraft charges, and failed payment charges and interest. I contest it, they say they can only cancel accounts in writing... so I said "screw you" shortly after they transferred the negative balance over to the normal account and almost cost me a roof over my head (gotta love the recession)
Posted March 22, 2011
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acemarch: Only reason I'm with lloyds is because Natwest screwed me over. Had two accounts with them, a standard account, and a gold account (£12 p/m upkeep on it) anyway, 3 months in, job went tits up, so i phone up, transfer all but the next payment out of the gold account to normal account and ask 'em to close the gold account ... "That's done for you sir, you should recieve confirmation in the post in 7-10 working days." Thought all was fine and dandy, 6 months later, letter comes through "You owe us xxx" 6 months of payments, plus overdraft charges, and failed payment charges and interest. I contest it, they say they can only cancel accounts in writing... so I said "screw you" shortly after they transferred the negative balance over to the normal account and almost cost me a roof over my head (gotta love the recession)
Honestly, Lloyds aren't any better. My parents had a joint account which was supposed to require two signatures to interact with, and they let my dad clear it out entirely without my mum even knowing. I think banks are just careless like that. :(
Posted March 22, 2011
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acemarch: Only reason I'm with lloyds is because Natwest screwed me over. Had two accounts with them, a standard account, and a gold account (£12 p/m upkeep on it) anyway, 3 months in, job went tits up, so i phone up, transfer all but the next payment out of the gold account to normal account and ask 'em to close the gold account ... "That's done for you sir, you should recieve confirmation in the post in 7-10 working days." Thought all was fine and dandy, 6 months later, letter comes through "You owe us xxx" 6 months of payments, plus overdraft charges, and failed payment charges and interest. I contest it, they say they can only cancel accounts in writing... so I said "screw you" shortly after they transferred the negative balance over to the normal account and almost cost me a roof over my head (gotta love the recession)
How long ago was this, they may still have the call records and under DPA you are entitled to see everything they hold on you(and hear) so if you could get a hold of that you would have a very strong legal case probably under fraud for false charges. if thats the case you could probably claim back that 6 months worth and the interest the bank gained on it. (BTW been there, thats what I did, the bank decided to refund me with interest and give me £500 in way of a goodwill gesture and apology and yes that was Natfuckingwest)


Ps going for a bio-break and a shower back in a bit (not the two together before a smart arse decides to make a comment)
Post edited March 22, 2011 by reaver894
Posted March 22, 2011
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Kabuto: Okay. So because you are incapable of keeping track of what you buy yourself, it's somebody else's fault? Is that the general idea? I sure hope you never ever use a credit card then.
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ShmenonPie: *Sighs, and remembers personal promise to not fall out with anyone on GOG*

What's the point of having to keep a separate list of everything I've bought when I already have a list of everything I've bought on HSBC's website? What benefit does that bring anyone? It's not that I'm incapable, it's that I don't see why I should have to when the very purpose of online banking/PayPal is to do just that, and it's demonstrably failing.
Oh yeah. Forgot about that. Don't I look foolish.

Well anyway, all bank related transactions usually take a day or two. I don't see how it's just on paypal. There's a reason they put takes 1-3 business days. There's also the timezone issue. I can't see a two or three day period where it gets totally out of hand of what youve bought before your statement is back up to date.
Posted March 22, 2011
This was a good.. 2 years back now I think. I just pay my meager £6 a month agreement to save the headache and hope to never deal with 'em again.

I've not had problems with Lloyds thus far, if anything the one time I went into minus due to steam taking a double payment, they helped me out with a temp overdraft until it was sorted and no extra charges.
Posted March 22, 2011
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Kabuto: Oh yeah. Forgot about that. Don't I look foolish.

Well anyway, all bank related transactions usually take a day or two. I don't see how it's just on paypal. There's a reason they put takes 1-3 business days. There's also the timezone issue. I can't see a two or three day period where it gets totally out of hand of what youve bought before your statement is back up to date.
I can't tell if you're being sarcastic or not, but I don't think so...

Normally, if I buy something in a shop with my card, it's on there as soon as I get home, so if it's meant to take 1-3 business days, then I suppose I shouldn't complain if it does it faster for non-Paypal stuff. Fair enough then. :)
Posted March 22, 2011
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Kabuto: Oh yeah. Forgot about that. Don't I look foolish.

Well anyway, all bank related transactions usually take a day or two. I don't see how it's just on paypal. There's a reason they put takes 1-3 business days. There's also the timezone issue. I can't see a two or three day period where it gets totally out of hand of what youve bought before your statement is back up to date.
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ShmenonPie: I can't tell if you're being sarcastic or not, but I don't think so...

Normally, if I buy something in a shop with my card, it's on there as soon as I get home, so if it's meant to take 1-3 business days, then I suppose I shouldn't complain if it does it faster for non-Paypal stuff. Fair enough then. :)
Now I better see why your upset. In Canada, we don't get such instant updates except perhaps if you sneak in a local transaction well before 10 am or noon. Otherwise it's next day or the day after.
Post edited March 22, 2011 by Kabuto
Posted March 22, 2011
Yeah, if I go down the road, buy a game with my card, get back , check my account online, it won't show the exact transaction but it will show in the "available balance" the deduction. Just with paypal taking its few days to do things, that number doesn't update because it takes time for paypal to do things their end and remember to try take money from the bank. Which is the annoyance, that number not updating like it does with most other things can confuse things.
Posted March 22, 2011
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Kabuto: snip
Apologies for the off-topic post, but where does your name come from? The pokémon, the rapper or something completely different? I've been wondering for a while now.
Posted March 22, 2011
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Kabuto: snip
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ShmenonPie: Apologies for the off-topic post, but where does your name come from? The pokémon, the rapper or something completely different? I've been wondering for a while now.
The colossal main character Kabuto from the game Giants: Citizen Kabuto. I originally joined just to buy that game. The ironic part is that I ended up buying Duke Nukem first and only bought Giants several months later on sale.
Post edited March 22, 2011 by Kabuto
Posted March 22, 2011
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Kabuto: The colossal main character Kabuto from the game Giants: Citizen Kabuto.
I should have thought of that. I even own the game. Excuse me whilst I go and beat intelligence into myself with a spatula.
Posted March 23, 2011
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Kabuto: Now I better see why your upset. In Canada, we don't get such instant updates except perhaps if you sneak in a local transaction well before 10 am or noon. Otherwise it's next day or the day after.
Same goes for the US, well depending upon the transaction. My credit card purchases show up more or less immediately, and from time to time my CC fraud department will be on the phone with me within minutes of a suspicious transaction.

However transfers between institutions typically takes a few days and frequently you don't really know how much money there is in the account until all of that is done if you don't make a list of all the transfers you're doing.

It gets pretty bad because they'll often clear checks from biggest to smallest allowing them to rack up the maximum amount of overdraft fees. These days that's probably banned, lost track of what changed with the reforms, but you were looking at like $50 per check when all was said and done.
Posted March 23, 2011
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acemarch: My main gripe being, stupid ass paypal taking forever to decide to take the money from my bank account, thus me not knowing if it's safe to purchase something else
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ShmenonPie: THIS. THIS TIMES TEN THOUSAND. I HATE IT.
If you have banks why would you ever use Paypal? In addition this should be a rant about Paypal, the bank is just fine. Paypal is not a bank.
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This is my favourite topic
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General discussion (archive)Rant about online banking(28 posts)(28 posts)
(28 posts)