Banks! Sorry RANT coming!!!

[princess jackson]

We went out for the day all excited as we were going to get our holiday money.

So went around looking at who had the best offers, well found that Thomson did. Went to order for £2075, odd number but £75 is DD.

Paying by debit card as we know that credit cards incur a charge, and debit card comes straight form our bank, our money!!!!!

Well because our card has VISA logo rather than a switch logo, it would cost us £62 it use it.

So we had to go home and get public transport to the city as football match on and would be a nightmare to park.

Anyway goes to the bank to withdraw money over the counter, hummmm!!!!!

Have you ordered that, "NO", we you can only get £1000 out at a time, DH reply it's our money, yes but we do not keep that much money on site, DH "it is a bank and a big branch at that"

Cashier anyway have you got ID, "YES", it has to be a passport or Driving licence, out comes the passport.

Cashier, well only on this occasion i can do it but it has to be in £10 notes," FINE" DH says.

When the cashier can back, with a bunch of notes and said next time if you want more than £250, YOU WILL HAVE TO ORDERED IT.

DH explains, you can get more out of the cash machine!!!! than over the counter.

You would think i was asking for her money rather than mine!!!

Sorry for the rant we left our last bank a year ago for the poor customer service.

On a lighter note we got our holiday money, and the $10 notes have changed the are yellow in colour

 

[Minniespal]

I really thought I had heard everything ~ Now I know why I do all my banking online

 

[princess jackson]

We do online banking all the time, and normally would get the money out of the cash machine daily, but would take a while.

And thought it would be easier just to get it out or try and pay using my devit card.

DH is annoyed as our debit card is with the bank not Visa so why should we be charged for our money, as we don't get charged for buying clothes.


we fully understand the Visa concept of getting money, ie cash advance, but when it is a debit card which is our money anyway

 

[Claire L]

Must say having visa on a debit card does make it more complicated, not sure why, that is why I like my Maestro card, no confusion at all

Claire

 

[mark&sue]

If the $10 notes have changed colour when do the old ones expire???

Susan

 

[Claire L]

If the $10 notes have changed colour when do the old ones expire???

Susan

Not for a while, like here they are slowly taken out of the system and replaced with the new ones. I'd say maybe two or three years.

Claire

 

[princess jackson]

Unfortuantely they did not say, or even there is a expiry date.

DH has just looked them and they are not central, ie top border is less than the bottom border, but the other side is fine!

Never mind $10 is $10 to me

 

[Claire L]

Having just read several media articles the $10 bill remains legal tender all the time that it is in circulation.

Claire

 

[mushumadness]

I work for a bank we only allow £1200 over the counter without ordering (plus £300 out of the machine) we have to do it because of retail fraud, in our branch alone we have had 6 attempts of fraud this week using stolen cards and/or cheque books) luckily all of which has been stopped, we have a limit as we are insured to let that much go and if it is fraud we are able to reinburse the customer, any more and we cant.

with the visa on the debit card I have had the same thing when buying currency, my debit card is for the bank I work at, the charges are incured when the travel agents use the visa system to process the transaction, and this is visa who does the charging and gets the profit from it (well with my bank it is as we do not see any of the money) I get the same ting on ebay too, £1.50 charge I cant believe it.

I was sorry to see switch go, but they would not support the chip and pin system.

I dont like that system either, lol

ahh the stresses of working in a bank

 

[fizz13]

That would have made me too. Why are they allowed to do this to us? My bank transferred their debit cards from Switch to Visa and never thought about it before. What a nuisance and thanks for the warning, I probabbly would have encountered the same thing,

Claire xx

 

[PaulaSB12]

You have to expect the worst with banks. I have just spent about a year and a half dealing with the mess my dad left us with. In 2004 he died leaving approximatly £200,000 worth of debts, credit card debts the loan to pay off the debts and others. All the banks tried to get me to pay them even though I don't have to, Lloyds even sent BOTH my mother and myself a letter saying we where in default of our agreement to pay of one large loan (which we had not agreed to). Now to 2006 I got a letter from a debt collection agency saying that one of his debts had been sold to them. got on to them sent a copy of his death cert to them and rang hsbc and gave them hell about it. Got a grovelling phone call to my mother a couple of days later with a letter saying that it shouldn't have been done how sorry they where and they wouldn't be contacting us about his debts any more. I hate banks.

 

[mushumadness]

unfortunatly alot of people are elft in debt when relatives die, its awfull but true,

one of the questions we ask people who come in for loads visa etc is if they want the insurance that means the debt is paid on event of death, or payments covered through illness, and if they say no we ask who would pay the loan if they passed,

I can see me getting flamed for working at a bank,

 

[princess jackson]

Anna, i fully understand the fraud concept, but the cashier did not give that reason she just said they did not have that amount of money on site! And never do keep that amount on site unless it is ordered in.

DH says we should of went in seperately as we have a card each and asked £1000 each.

 

[mushumadness]

if it was a halifax i would complain, you can have £1200 per account, not per person so say you had a card and a savings you could transfer 1200 to the savings and draw 1200 from both. thats our policy and it applies to all branches, so if she said no, go back.

I know its a pain not being able to draw more, I had to order my bonus money two weeks in advance,

 

[Claire L]

I must say Maestro (old name Switch) is so useful no charges for buying currency with it, and I even paid for my new car with it, although the bank did ask for a call to confirm it was all in order!!!!

Claire

 

[mushumadness]

we have only had customers reporting charges on buying currency as its classed as a casha dvance by visa, my dad was not charged on the purchase of my new car on thursday and that was a 14k transaction

 

[wilma-bride]

We were told by Thomas Cook that we would be charged for using our Visa but phoned the Bank (Halifax) who said we wouldn't. We got the name fo the guy at the bank, then went ahead and purchased with Visa. Lo and behold, no charges! Sometimes I think they just tell you that when they see the Visa logo to cover themselves.

Anyway, no harm done - you got your money

 

[princess jackson]

We asked today when she said that we could not take out our money and she stated yes we would be charged by Visa.

 

[mushumadness]

did you get a good rate ginette i am looking for some more dollars, but havnt been able to get in to the high street as i have done a six day week

 

[mrs-mac]

We were charged £7.50 for buying dollars from M&S by our Visa company and then charged a higher interest rate as its classed as a cash advance I wouldnt mind but we paid the balance off straight away on-line as soon as it appeared on the statement.

We also ordered the DS's dollars from our local HSBC, they told us that they would take 3 days to come and there is a charge for ordering money!!!