*CAUTION: STRONG VERY RANTY PERSONAL OPINION COMING UP - may not in fact make any grammatical sense whatsoever because I'm tired, financially f**cked again and upset.
I bank with a bank based in the North of England. Somewhere in West Yorkshire in fact. Not far from Leeds. Begins with a H... Uses an annoying man with glasses singing crap covers for their advertising campaigns. Recently got bailed out by another large high street bank... Get my gist?
I use their online banking system. A system which has recently shown my accounts to be all fine and in the black, yet I have been charged £35 for a failed payment for something. Now I'm no genius but I consider myself reasonably intelligent. If I've tried to make a payment for £23 and my bank balance is showing as above that, then why the f**k have you charged me £35?!
Despite them arguing that it's not an administrative error I'm still bloody puzzled. I tried arguing my case, they argued back.
Problem being, the payment has bounced (for which I will be charged seperately), the bank will charge me £35, which I can't afford so then I will probably get charged another £28.
The reason for all of this, the particular bank has still not sorted out my new student account because, and I quote the regional manager 'no-one is a student for more than 6 years and you can't have a student account even if you are a medical student'. It took customer services and a lot of crying to get an account sorted, and if that account had yet been activated then the charge would have only been £25. Would they reverse the charge, would they bollocks.
Irritatingly I'd been in and deposited £40 later in the day so hadn't ever gone overdrawn (the account wouldn't let me). Had this been Lloyds TSB I'd've been charged nothing (they charge £6 per day overdrawn unauthorised. I would've been overdrawn by 3 hours.)
Moral of this story. This bank does not support students.
DO NOT BE FOOLED BY THEIR £3000 OVERDRAFT THEY WILL NOT SUPPORT YOU - ESPECIALLY IF YOU NEED TO EXTEND YOUR ACCOUNT TO POSTGRADUATE.