UK Bank Complaint Forum www.banks.grone.co.uk

Nearly every time that I try to pay money into my National Savings from my Lloyds current account clicksafe declines my payment. They say that they will contact you to verify that it is you making the payment but they don't and the telephone number they display with a C5 reference is permanently on hold, I tried to get through five times yesterday and gave up each time after waiting for ages and watching the credit disappear from my phone.

There is no e-mail address to contact Lloyds and you cannot fix this in branch as they have to call the same number and cannot get through!

Lloyds bank is rubbish, when I had a problem with my card on holiday it was impossible to get through to speak to an advisor even after waiting 25 minutes.

I just closed my savings account and will now be moving my current account elsewhere - Lloyds accounts are rubbish too, the lowest interest rates and lots of annoying conditions which they keep adjusting - even the account manager at the branch agreed!

I needed to replace my Visa debit card as my neighbours are hacking me, openly repeat my card number and the security code.

They enjoy listening to my private life.

I had spoken to Santander about this and they suggested I should change my accounts.

11th September 2013

I decided that I would change the card in case they use it.(After19.00 hrs)

When I speak to Santander I ask if they will honour my purchases that I have made on line, 3 times I ask her will she honour my grocery shopping.

I am assured that they know the moment I purchase anything on line,

she quotes the payments I have made.

Next day my shopping does not arrive, I check with the supermarket they

inform me, my payment was cancelled, I apologise.

I have sufficient funds in my account.

I call Santander they tell me that the payment went through twice and they have cancelled the second payment.

I changed the delivery slot just after 13.00 hours

So what happened to the first payment?

For the average person this would not MATTER no shopping go out and

get it yourself.

That is difficult as I am being HARASSED and STALKED.

It is my anniversary on December 9th 4 YEARS of vile abuse, threats

malicious damage and theft to date £6,500.

I can not claim a penny on my insurance NO FORCED ENTRY.

The POLICE would not dust for prints no point they said.

I went to speak to their security ex,pert, gained nothing, except a recording on my mobile phone.

Their security expert claims the POLICE always dust for prints regardless of forced entry or no forced entry.

I gave up on the POLICE in 2010 all I have from these criminals are

their fingerprints,DNA, names, credit card number and visa debit card receipt.

Who leaves their dabs everywhere bragging next door to me what they have done.

They now want their DNA back.

My 15 year old dog was not as strong when they beat him up last August 2012

in my home.

Strange CRIMINALS receive LEGAL AID, I as a VICTIM get NOTHING

Recently, I became unemployed and fell into mortgage arrears with Natwest. I made a few arrangements with them to pay off the arrears. The arrangements are renewed every six months. I phone them occasionally to inform them that one of my payments will be late.

However, there are two predators working in the mortgage credit management department (named Jack and Robert) who insist on wasting my phone credit to look deep into my mortgage history and to threaten me that I am breaking the agreement because I should be making payments at a

specific time each month without any grace for being late.

After asking questions about who lives in the property, they advise me that they can help me

to sell it if I want (meaning they would like to buy it off me). It is obvious to me that these two individuals are more interested in getting the property for themselves (I have more than two-thirds equity) then they were in dealing with the reason for my phone call. I only phoned up to ask them to put the information in my notes that my payment would be late. Are there no laws against such things?

Another problem I have with them is that they insist I cannot make arrangements to pay off the mortgage arrears without making a second arrangement to pay off the arrears on my current account at the same time, knowing that saving my home is more important and it is difficult trying to pay the two.

How can I defend myself? What are my rights?

I have tried to use my Lloyds TSB business debut card on a company website yesterday. After filling in the payment form it took me to Clicksafe, which failed with the following error message: "Payment Failed. Please click on the Order button above to go back and try an alternative payment method."

I have then tried another debit card and received the same error message. This morning I have called Lloyds TSB and was eventually put through to "Clicksafe Support". I was shocked by the incompetence of the support person. He could not tell my why I had received the error message and neither did he want any reference number from me which would have allowed him to trace the error. But it got worse: He then told me that the payment has gone through successfully on both(!) cards. I asked him to confirm that even though Clicksafe says "Payment Failed." they payment has gone through and he said "yes". I have now called the company I was trying to do business with and they have confirmed that the payment has NOT gone though. Clicksafe? Incompetent staff and useless!!!

in short

bbva in fuengirola where ordered to make a transfer to my account they sent the money to the wrong account and now refuse to help get the money returned i have tried calling there customer service number and all they can say is that its upto the branch to send the money back, but thats hard when the branch will not reply to emails or calls

the person who will not respond is Antonio Lorenzo

i will keep you undated is i get a responce from them and if they fix the sutuation

but as of now i would tell people to stay away from BBVA in Spain

Hi there,

I need you advise. You know someone was trying to get an access into my online banking and now my account is blocked moreover it’s already closed. I m going to open another account but not sure which bank to choose. I feel so unsafe coz of a lot of money laundering. I just need to know maybe someone knows the way to avoid illegal entering into online banking? Have you ever used text alerts or mobile banking? What bank would you offer to open the account in? Thanks

Santander. What an appalling bank this is. Customers clearly don't matter. They've got your money and could not care less about how you get treated. My internet banking became locked. Not through anything I had done, it was a system fault. (Alarm bells should have rung at this point, as they use the same system to administer my account). Two weeks to get a new pin. New pin arrives at last. Enter it into the website - Account locked! Ring customer services to be told that I should have "unlocked" the pin first via the telephone. It does not mention this on the accompanying letter, indeed it says go to the website and follow the instructions there! Now I have to wait another two weeks for another pin! This process protects the bank, not me! Lots of apologies, but no action. I'm off to make sure I have a new bank account by Monday and will never use Santander for anything if I possibly can.

I have a Santander credit card with a resonable amount of credit on. I recently lost my wallet so the only access to funds I had until my new cards turned up was to use this card which was the only one not in my wallet fortunately - or so I thought!. I work away from home frequently and travel by my own vehicle.

Today I travelled up north to work a good 4 hours from home armed with my trusty Santander credit card for any eventuality. I worked my shift and pulled into a petrol station to fuel up before travelling home and brimmed my van with fuel. I went to pay for my diesel to find my card was declined!!!! I could not beleive it - the card had at least £5K of credit on it and I couldnt get fuel!I decided this must be a huge misunderstanding and stood in the petrol station and called Santander to sort it out - oh dear card services dont work on Saturday afternoons but if my card is lost or stolen then I can speak to a human. As I had no other way of paying for my fuel and I was getting desperate I called lost and stolen to be told there was nothing I could do until Monday morning and oh by the way - theycould tell me that they had removed my £5K agreed credit and I can have 1.6K which was already on the card so there was no credit left. Nice of them to call me or write to me to inform me they would be reducing the credit on my card!!!

I am now stuck 4 hours north of my home trying to get home to my wife and sick child - (reason I was rushing home) who has, by the way just been rushed into hospital and at present I cant get there!!!! and Santander are unable to help until Monday!!! I have no money, no way of paying for any accomodation and unable to pay for fuel. I have held a very healthy bank account with Santander and they have now seen fit to pull a stunt like this! Can someone tell me what kind of Customer Service is this? This is the second time in as many months I have had an issue like this with Santander - the last time I got a very apologetic phone call from my Bank manager after I threatened to close and move my account to a more reputable bank - they talked me round and promised nothing like this would ever happen again- and here we are 2 months on. As you can imagine I am furious at the moment and still trying to get home.

This service is outrageous and I intend to ruffle as many feathers and rattle every possible cage this time!

I will be closing all my Santander accounts and will be transfering my mortgage to an alternative supplier as soon as I get home.

Santander you can shove your inadequate highly unproffessional customer service where the sun dont shine!

I have had my Barclays Premier account for 2 years now at a cost of £17.50 per month.I have just had the misfortune to use their home emergency service as my central heating broke down.After calling out on the first day and promising to come back and repair it I am still without any heating or hot water after a week.I must have rung 10 times but just get through to a call centre.Do not use these COWBOYS.To call themselves a home emergency service is a joke.

I recently recieved a letter from one of my credit card providers,santander,telling me that they had not recieved a payment for my cards` august account,due on sept 15th,and I would be liable to a penalty of £12.As I had a busy time at the end of august,I thought that I may have forgotten to send the cheque,£163 was outstanding on the balance,however,upon further investigation,I discovered that I had indeed posted a cheque for this sum on 2 sept.A check of my bank statement revealed that the cheque had been paid on 10 sept,and a quick phone call to the bank confirmed this,I then telephoned santander.The operator told me that they had not recieved the money until 15 sept,so I informed her that my bank had paid santander on 10 sept,to which she replied that the problem was cheques,and how troublesome they could be,but agreed to refund the £12 penalty charge,although she told me that I would have to pay a minimum payment of £31 this month,despite my protestations that my account was now fully in credit.She also suggested that I pay by debit card over the phone in future and gave me a number to do so.I was away for a couple of weeks after this,but upon my return I phoned this number to make the payment.After being shuffled between various departments at santander,I finally spoke to someone who told me that it was not possible to pay by any debit card other than one for a santander current account.I then asked her to confirm what my balance was and was told that I was in fact £7 in credit so no payment was required! I also recieved a letter from santander apologising for a delay in clearing cheques,and that they would refund any charges and interest that had resulted from this,and also,ominously,that they would correct any information given to credit reference agencies that had also resulted from this.I had in fact tried to use my santander card on two occasions during sept,but on both occasions the card had been refused,no problem to me as I have other means of payment,but it does speak volumes about how santander does business.My santander card has a limit of £3400,yet not paying £163 made them cancel my card and send horrible things to a credit reference agency about me.I would recommend that people avoid doing business with this institution,they look like shysters to me.The old Abbey was a wonderful british institution,santander obviously has ruined it and it no longer has any of the characteristics of what was a much loved national treasure.Thank god they now trade under their own name ,so everyone can see what they really are!