Written on: 02/09/2013 by stevencairns88 (2 reviews written)
Bank of Scotland Business has been the worst experience of my life. The opening procedure was an utter joke. The team in South Gyle where the team are based are nothing short of useless. They made a multitude of errors when opening the account from losing paperwork to countless failures to call back. This meant we did not have an active bank account for opening our hotel. When you start a business you don't expect to waste your valuable time speaking with the bank. Think again with this... (read more)
Written on: 22/05/2013
Been trying to open a business account since 29/03/13 they don't contact you then make you wait for ages on hold to talk to them. The accounts opening team don't have a clue about business and just lie to you when you ask questions. No idea what's taking them so long to open a basic bank account for a limited business? They told me the account would be open in ten days and silly me I have been taking payments from my customers only to be told today 22/05/13 that the payments won't go into... (read more)
Written on: 13/05/2013 by pabloc (1 review written)
now 35 minutes into a call centre queue. they said it would be 10 minutes. i think the one person has probably gone home or for a fag. if the automated intro was not so awful i would give up. typing with one hand, hence no caps. time to close this account. gone to pot under public ownership - pity. customer for 10 years. cannot be doing with this. (read more)
Written on: 19/04/2013 by bos_sucks
We have banked with Bank of Scotland for over 16 years. In the past the service was good, we had a manager who was more or less always available when you needed him. This all changed in 2010 when our manager was made redundant and our account taken over by what they now call a Relationship Manager. This is the biggest joke ever. There is NO relationship with this man. He doesn't answer his mobile phone, doesn't respond to numerous voicemails you leave him and has no landline number. ... (read more)
Written on: 30/03/2013 by JohnChallis100 (1 review written)
The online banking website has been unavailable now for six days (from 26th March to 30th March 2013) and it is still down now. The site is completely unavailable - returning a 404 Not Found error. How am I supposed to run a business - page wages etc - with no access to banking facilities ? (read more)
Written on: 14/03/2013
We have been BoS business customers for 25 years, and I can't believe how poor the service has become over the last 2 years or so. I have no issue with local branch staff, who are usually very helpful. My wrath is reserved for the head office people, they have no interest whatsoever in my business. it is impossible to contact my relationship manager (whatever that means) by either phone (unless you wait in a phone queue for ages once it took 45 minutes) or email. Over the last 6 months I... (read more)
Written on: 18/01/2013 by wheelyneil
Ridiculous call centre delays - almost impossible to speak to a human. If you finally get through, the staff are not in the slightest bit helpful in resolving problems - it's always the same story - they can't help as it's not their department and the people you want to speak to are not available. utterly useless. DON NOT USE THEM IF YOU VALUE YOUR MONEY!!! (read more)
Written on: 01/12/2012
For more than two years now the Bank of Scotland has been unable to deliver monthly statements on my euro account to my address overseas. This is more or less since the Lloyds Bank takeover. The Bank of Scotland has been unable to find out why this is happening. All other statements and documents arrive in good order. I have to request a euro statement each month by telephone! I have recently discovered I am not the only person in this situation. (read more)
Written on: 27/01/2012 by b16jim
Started up my business using the Bank of Scotland. Very easy set the account up and initially the online banking was good. But this is where unfortunately the good news ends. The BoS has never showed any interest in my business, our growth, our requirements. The Business Account Managers (you will probably have a few as they seem to change frequently) don't have a grasp of your business and to be quite honest, don't seem to care. Information or help is poor and if you require any... (read more)
Written on: 12/12/2011 by krikoman (6 reviews written)
Like many here, very disappointed that the recent Sept.2011 changes have completely wrecked the ease of use of their E-Banking service and the total lack of interest show by my "Account Manager" for whatever use he is. There is no other way to contact them other than by phone (local rate) obviously not a free phone number. Just opened an account with Santander and unfortunately that appears to be as bad as BoS!! To make a payment you have to enter the details every time if you want to... (read more)
Written on: 24/11/2011 by MELVYNHOLMAN (1 review written)
I had wrongly paid in £22000 into the bank on credit slip we had never used but had put correct sort code and account number onto slip,I had also put company name and bank details onto cheques after numerous phone calls and being told different stories, it was put under investigation when i checked what was happening i was told the money would be in a suspense account somewhere with many other peoples. The investigation was suspended and i was not told. My account manager who appears to... (read more)
Written on: 19/11/2011 by jmrackowe (13 reviews written)
Bank of Scotland have just changed their business banking statements. They now send out 4 or more pieces of paper where they used to send just 2. The same information that has been provided for years on 2 sheets is now spread out over more paper. The back of each sheet of paper has identical pre-printed 'Useful information' on every single sheet. So much for having an environmental policy! I asked customer services whether there had been any consultation with customers on the new... (read more)
Written on: 12/09/2011 by ioncube
Bank of Scotland today gave internet banking a "New Look" (to use their phrase), which in our case meant that there already appalling website would now not even show our bank statements and transactions. Waiting to contact someone on the telephone took 15 minutes, they confirmed that 40% of complaints they'd handled were from customers with a similar problem, and they then transferred me to the Lloyds part of the business who could not access account information for the Bank of Scotland... (read more)
Written on: 16/03/2011
Very poor indeed. My online banking was suspended 2 weeks ago due to misunderstanding and despite numerous calls and form filling I am still locked out. The first set of forms took over a week to arrive, you then have to send them back, they check them, send out more details, you have to call and then they send out yet more details before you can access your account again! Interest rates are shockingly poor and even asking simple questions of their customer service - for example - what is my... (read more)
Written on: 04/03/2011 by madterrier (3 reviews written)
I don't know whether this bank is devious or just plain incompetent. But either way, it's a mistake to bank with Bank of Scotland.
I too fell for the interest paid on current account balances ploy. Since then it's been stopped, put back on the wrong rate, then stopped again. Every little thing, whether that is a certificate of interest for tax, a statement, or even trying to find a 'relationship manager' to speak to is too much trouble for them. They don't know my name, call me Mr [insert... (read more)
Written on: 30/12/2010
As a small business we held a Bank of Scotland Business Account for 5 years.
My experience was one of feeling like a subservient worker rather than as a customer. At cashier level the service is fine but above that the company has very little interest in small businesses or business loyalty. Charges for transactions seem excessive and in spite of being a very loyal customer with current accounts and Visa accounts the Bank was unprepared to waive a £35 charge for a cheque which was returned... (read more)
Written on: 18/12/2010
Our company has banked with the Bank of Scotland for over 5years, no overdraft, aways ensured we stayed in the Black even throughout the recent recession. However despite being a good customer, the Bank of Scotland cares nothing at all on how they treat their business account customers, a recent complaint by myself to the Bank about them taking the payment for the business credit card 2days earlier than they stated on the Card Statement was met with pure contempt, no appology - nothing, even... (read more)
Written on: 12/11/2010
Banked with the BOS for over 4 years. Very unhelpful bank for small businesses as you have not direct contact with Business Manager, you must go through contact centre every time you want to speak to your manager which changes nearly evertime you call! Bank charges are also expensive if you deal with alot of cash. (read more)
Written on: 07/04/2010
Have used BOS for 19 years - several business accounts. In the beginning there was a local manager, then the manager was an 'area manager' but now the account is handled by a central call centre based manager. To get through I need to overcome the first line of defence call centre staff - wade through identification and maybe get service. Tried to call at the branch to get a simple change in account details (name/address stuff). Can't be done at a branch anymore. Only through the call... (read more)
Written on: 22/02/2010
We have been with BOS for over 4 years now and would have moved banks long ago if we could have afforded to move.
We would not recommend business dealings with this bank to our worst enemy.
We are supposed to have a relationship manager. Trust us - there is no relationship!
We never hear from them until they want our accounts. They have just sent an email requesting our accounts. No problem. It is a shame that they didnt pick up the phone instead and speak. Instead they chose email with... (read more)
Written on: 12/12/2009 by realfacts (3 reviews written)
I have had a Bank Of Scotland business account for a few years. I recently moved address and 'tried' to change my address. I posted forms, never receieved, submitted forms via the branch, still never receieved. Totally useless vaguely hostile telephone staff were no help apart fro, saying have a nother go, send more forms in again etc! I am now opening a new business account with a different bank and will transfer all the money over once complete. A company that cannot even handle such a... (read more)
Written on: 13/09/2009
After being attracted to open a business saving accout with Bank of Scotland with a reasonable interest rate, some 9 months later we realised no interest was shown on monthly statements.
On phoning Bank of Scotland we were informed the interest rate had fallen to ZERO. on questioning why we were not informed they said they had no facility to inform me .On requesting the account be immediatly closed and monies transferred we were informed the Safety security fob had expired - no facility to... (read more)
Written on: 29/07/2009
In the last 6 months I have experienced terrible problems with our Bank of Scotland business account. At present we are involved in legal action with the bank for withholding funds. We have a very health balance and the bank are doing everything they can to prevent us from accessing our money. This has left us in a position where we are struggling to pay staff and meet our obligations. It would appear that at the current rate our business will not exist by the time the legal matters have... (read more)
Written on: 12/05/2009
one advisor says one thing, then you ring back and another advisor says something else- a waste of time and money no good :-( (read more)
Written on: 22/01/2009
Bank of Scotland is the best business banking out the lot. Their staff are always fantastic over the telephone, very happy to help with anything. Paying in at a Halifax branch is not ideal but its not as bad as some people are mentioning on this website.
Internet banking is fantastic, their security procedures including their "token code" is a superb idea. (read more)
Written on: 05/12/2008
Who thought of those ridiculous plastic bags to pay the money in? You end up with a plastic slip that you have to staple to your paying in book nightmare when its getting full.
Have taken away your business banking manager only to be given about 100 others never the same person twice.
Would swap tomorrow if I thought I would get a bank that actually delivers what it says. (read more)
Written on: 14/10/2008 by riggers386 (2 reviews written)
I've banked with them only 3 months and am utterly disillusioned. Paying in involves a trip to the town, (no local branches) queue up in Halifax branch behind 20 or thirty people, then get to the counter to be treated like dirt when they see your BOS paying in book. Then they saunter off to get this ridiculous plastic bag that you have to write your sort code, account no, etc on. Then you have to put the cheque/cash inside. They won't touch it! (Why?). Ring up customer service - what a joke.... (read more)
Written on: 25/07/2008 by drystone (1 review written)
I tried opening a business bank account with the Bank of Scotland and had a very bad experience. I was asked to provide many different pieces of information in a sequential manner (one after the other). It took over 5.5 weeks to find out that the letter from my account (an account for over 40 years) was not a member of one of there select groups and they could not accept a letter from him. I gave up after 5.5 weeks. They also have not returned my ID documents after 3 weeks! The customer... (read more)
Written on: 09/07/2008 by J5KOE (1 review written)
We have had our business account for 4 months, trouble free, we have not gone into arrears, we have not borrowed or missed payments, so as far as I can see we have done everything by the book, then they send a 30 day notice and give no explanation. They say they don't need to. (read more)
Written on: 04/07/2008 by robertinuk
Terrible service, incompetent staff. HBOS have locked my 3 bank accounts (cashcard, ISA, web savers) after someone deposited money into my account using stolen account details. (they tried to buy a phone from me via gumtree).
16 days later, still locked out of all 3 accounts. HBOS helpline is an oxymoron. staff are clueless. The stated they never recieved any fax from local branch. Staff there insist it has been sent twice.
I did not receive one letter, email or phone call. nothing ! ... (read more)
Written on: 13/05/2008
I was with Bank of Scotland for 5 years and for first time I've been asked to provide bank reference which came bad for no reason. I always paid and never went into nagative balances, so this reference was a shock to me and I will change them ASAP. (read more)
Written on: 12/04/2008
Abysmal communication. Have tried to open total business account but no one calls back. I have called four times and told someone would be in contact. I Have been told that managers are being told to discourage existing Scottish BOS customers to open this account as it is designed to attract English custom!!!!!!!!!!!!!!!! (read more)
Written on: 06/03/2008
Our Bank of Scotland Business Bank Account 'relationship' manager - is useless he has never contacted us. We tried to expand our business twice in fact and asked for help. How silly of us to ask for help! In return when we eventually got to speak with him on the first occasion it was too late and we had missed the boat. On the second occasion we tried to expand, he never came back to us. We rang again and still no joy. We sourced funding elsewhere. We are now in the process of incorporating... (read more)
Written on: 19/02/2008
I would never recommend them and am looking to leave after only 4 months. Absolutely atrocious customer service. Long long delays and unhelpful people. (read more)
Written on: 12/12/2007
If BOS customer support is this bad then it does not bode well for anyone who opens an account with them. I Visited the BOS web site to download a brochure to review detail T&Cs for the BOS Total Business bank account. Unfortunately the web based system advised new customers should contact a Branch. As a result, I tried calling the branch to set up an appointment to discuss opening a new account. Sadly I had to do this via a call centre. Before I could make an appointment to talk to the... (read more)
Written on: 21/08/2007 by corrinne (1 review written)
The Business Banking Service at Bank of Scotland is terrible! They didn't even send out cheque books on time! (read more)
Written on: 23/03/2007 by carlhall1961 (1 review written)
No good comments to make about the Bank of Scotland Business Bank Account!
I am looking to change very soon. I have had enough! They need me more than I need them. (read more)
Written on: 02/03/2007 by Beritk (1 review written)
If you are looking for a bank which are there to help you don't go for this one. (read more)
Written on: 29/05/2006 by malcolmwebberley (1 review written)
I have banked with Bank of Scotland online for many years; both personal and business, and it used to be very good. It all went rapidly down hill after the merger with Halifax. I now have to use two different websites for business and personal banking. (read more)
Written on: 13/02/2006 by stevehem (3 reviews written)
I wanted to move my account from Cater Allen to a Bank of Scotland Business Bank Account, because they didn't have any kind of online banking (telephone only). I already had a BOS account, which was set up fairly painlessly, so I imagined that this would be the easiest option.
I applied to open the account, provided my ID and met the bank manager. Then silence. About one and a half months has gone by. We have left several messages a week on her voicemail (only phone number given was a... (read more)
Written on: 20/01/2006 by fifelass (1 review written)
I have banked with the Bank of Scotland for 25 years. I have a new business that has just started trading. When I applied for a simple business account, it took the Bank of Scotland 3 weeks to contact me, only to then refuse me an account, even though I have no adverse credit and did not want any credit from the Bank of Scotland. The banks failure to open my account has cost my small business money and reputation. (read more)
Written on: 04/11/2005 by davenew2 (1 review written)
My complaint with Royal Bank of Scotland is at the most basic level. A Bank is there to pay in and withdraw money. I pay in at my local Halifax. If I get a cheque payable to my company I hate it as the staff at Halifax do not understand the system and make me feel I am a nuisance whenever I pay in. Today they refused to accept a cheque as they had changed the system again and I did not have the correct paperwork. I was told that I needed to speak to my business manager. When I told them I... (read more)
Written on: 28/10/2005 by Holmesdale (5 reviews written)
Abysmal lack of communication from the Bank of Scotland. (read more)
Written on: 15/03/2005 by PedroHF
I'm an IT contractor working from home. Bank of Scotland internet banking worked well for me. Until the day that I mistyped my username, twice. My account was locked out. I then phoned the helpline. I couldn't remember the telephone password. I "failed" the password and BoS then told me that my internet account and telehone banking accounts were frozen and that I would have to re-apply in writing using the forms that they would send me to re-open my accounts!!!!!
10 days later I received... (read more)
Written on: 29/11/2004 by pnadin (122 reviews written)
Royal Bank of Scotland
Having run our business current account from Barclays for a number of years along side a deposit account at Bank of Scotland, our service at Bank of Scotland has been excellent, with red carpet treatment from our bank manager.
I was suprised to see negative reviews on this bank which is what motivated me to add my review. (read more)
Written on: 08/10/2004 by pkwouters (1 review written)
Lack of communication & support from our Bank of Scotland Business Bank Account team bank manager led to an unforeseen minor overdraft (after spending 2 years seeking a small overdraft account of £2500, with NO response to our many phone calls!) no INTERNET banking forms sent & not operationalised despite this request 5 years ago at our initial face-to-face application at Dundee branch. Horrible unorganised chaotic not supportive customer service. This minor overdraft resulted in visa... (read more)
Written on: 25/09/2004 by craigroberts (1 review written)
I am a current Halifax/Bank of Scotland customer and my wife works for the halifax at their head office. I went to open a business bank account WITHOUT asking to borrow anything and was placed in an office and given a phone to call the business banking call centre, some further info was required and this was promised to be handled by my branch who promptly forgot and then became obnoxious when I complained. VERY POOR customer service, I have now closed all my account and moved my mortgage... (read more)
Written on: 23/09/2004 by Tracys811 (1 review written)
Spoke to a guy in Bank of Scotland call centre re opening a Business Bank Account. I asked if I could arrange a meeting with someone in branch to go over business plan etc but was told this was all done over the phone now. Took very little details from me and read the usual data protection stuff to me as in his script and was told someone would be in touch. Received a letter the next day telling me that unfortunately they had decided to decline my request!! Very poor customer service as far... (read more)
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