Bank of Scotland Reviews

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Latest Reviews

★☆☆☆☆

“Awful liars ”

Written on: 15/09/2017 by 90Shepherd (1 review written)

Ruined my credit score. Went to a branch asked for a closing balance for my credit card PAID IN FULL. 3 months later received a letter from debt agency saying i had failed to pay my credit card for 3 months in a row a grand total of £15.30. Apparently thwy requested it each month tgey didn't... First i had heard of it. Spoke to Some woman called nico for 2 hours said it was their fault and they would fix credit file and close account. They didn't one month later...debt… Read Full Review

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★☆☆☆☆

“Refused to cancel direct debit”

Written on: 20/04/2017 by Diya362 (1 review written)

Phoned to cancel direct debit for Kwikfit insurance who sneakily make payment pending 5 days before expiry of policy ,as I had already reinsured for a third of the price with a new company and Kwikfit had doubled theirs for no reason .l was told that I had to contact Kwikfit and that they were now in control of the direct debit ,however they were not answering the phone for 2 days prior to the expiry of the policy and bank of Scotland despite my instruction paid them anyway .who,s money is it… Read Full Review

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Dw80's Comment

Written on: 13/06/2017

Your review is under Bank of Scotland, but maybe it should be Kwikfit?

I had a similar issue a couple of years ago. Most insurance policies "auto-renew". This means you have to specifically tell them you do not want to auto-
renew it. I now do this whenever I take out a policy. Kwikfit were not being sneaky, it would be in the policy documents they sent you originally, and they should have sent you paperwork in advance which should also have told you this.

The Bank of Scotland were right to tell you to contact Kwikfit as you should always try and cancel through the company rather than the bank (although you could also have cancelled the direct debit via online banking) as that could result in missed payment charges being applied by Kwikfit. It's best to cancel with the company, and then the direct debit stops automatically. If you are unsure you can cancel it yourself after the final payment has been taken but you should still tell the company.

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★☆☆☆☆

“Mortgage under payments complaint”

Written on: 04/04/2017 by Jaylin85 (1 review written)

Received letter stating mortgage in arrears and that several payments had been missed. Called up as I have never missed a payment in my life. Was told all payments up to date but in arrears by £30 due to payment amount change last August when b of e rate changed. I told her I was in a fixed rate mortgage so this was impossible, Didn't have a clue, don't think she had heard of a fixed rate mortgage. After checking was told it was cos I took a payment holiday last August so payments had… Read Full Review

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★☆☆☆☆

“Rip-Off Halifax Bank of Scotland Mortgages”

Written on: 10/02/2017

I took out a Bank of Scotland interest only mortgage in 2008. After my discounted period finished in 2011 they put me on the SVR of 4.95%. I asked to switch to a lower rate and they told me I didn't qualify. In 2016 on the advice of my broker I again asked to be switched to a lower rate. The FCA advise that "TRANSITIONAL RULES allow customers who took out mortgages to switch rates without having to pass affordability tests, provided they don't require further borowing" and also that "the type… Read Full Review

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★☆☆☆☆

“They do not listen to customers or even their own staff ”

Written on: 24/01/2017 by dennis.mccallum.1253 (6 reviews written)

I have repeatedly asked if I could have a plain replacement debit card without the picture of the standing stones on it which makes the card number difficult to read. I have asked at the branch, they know of the problem as it is a common complaint, but can do nothing and management will not listen . I wrote to the CEO in London and got passed to a lady in customer services who had never seen the card - and abruptly got fobbed off. So now I have moved banks… Read Full Review

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★★★☆☆

“She was amazing”

Written on: 11/07/2016 by DestinyBaxter (1 review written)

Had a problem with a company taking money out of my account since April and not one single customer adviser could help me with my problem, it is now July and again the company had taken money, called the company for the millionth time then called the bank again, spoke to a lovely lady and it took her the matter of 5 minutes to fix my problem, there is some people who just can't be bothered to their job but she was more than happy to help and she did, thank you!!!… Read Full Review

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★☆☆☆☆

“Tricked by the Bank of Scotland - Check your Insurance”

Written on: 19/05/2016 by kittikat (1 review written)

I've been a loyal customer with the Bank of Scotland for over thirty years and have very recently discovered I have been tricked into paying extortionate house contents and building insurance fees, which were tied into my mortgage payments - a mortgage I have been making overpayments to in order to pay it off quicker. Only due to the advantage of online banking have I actually became aware of this underhand method of extorting money from me. Please check your own details as I was never sent a… Read Full Review

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★☆☆☆☆

“Terrible Service”

Written on: 14/05/2016 by Cadenj184 (1 review written)

Long queues with staff walking around with a frown on their faces. They look as if their at work as a form of punishment. Terrible don't bank with them… Read Full Review

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★☆☆☆☆

“poor care and no standards”

Written on: 01/04/2016 by Rasmussen482 (1 review written)

Moving home is stressful enough but add the bank of Scotland into the mix and stress goes off the scale. I ordered a new card, only problem was it had the wrong name on it. When did I discover this? when I was trying to transfer funds to complete a house sale. It was taken 5 months and the new card has not arrived, the house sale date had to be moved as we could not settle as the bank had issued a card to me with the wrong name, this has caused untold stress and cost but the bank can only offer… Read Full Review

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★☆☆☆☆

“Disgusting ethics and fees”

Written on: 12/03/2016 by Welchap492 (1 review written)

As a Halifax customer, I was happy for about 5 years, but they aggressively got me to open a BOS current account which suited me temporarily due to hating my other bank and living in Scotland where they were few of its branches. In the last 7 years, HBOS have - taken £200 fees over going overdrawn by under £1 in times of hardship; refused to apologise, let alone give back money - which was only redressed by housing benefit; took away an unused credit card and overdraft (before the other… Read Full Review

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★★★☆☆

“I wish that they would listen..........”

Written on: 12/01/2016 by dennis.mccallum.1253 (6 reviews written)

I use my BOS debit card often now on the internet to order goods. The shiny plastic card has a pretty picture of the Stones of Callanish on it with the card number printed over it. This makes the numbers very difficult to read. So I went into the local branch and asked for a plain card please without a picture. "Not possible" I was told, "but this is a common complaint that we get." "But what about people with sight difficulties, unlike me, they must surely have access to legible cards?" "No… Read Full Review

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★☆☆☆☆

“a sham”

Written on: 26/09/2015 by gregorgz (15 reviews written)

As my title suggest this bank is a complete joke. I cancelled my account after 6 months - mysterious bank charges pop up out the blue, the call centre seem to be full of people who cant speak english, they are slow at doing things and just generally suck at everything to be honest. Steer clear at any cost please… Read Full Review

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★☆☆☆☆

“Terrible”

Written on: 04/09/2015 by Reynab186 (1 review written)

Service has been terrible waited 2nweeks revived my card on Thursday its now Wednesday and I've not received my pin so I phone up and they haven't sent me it out so I have to wait for another 4 working days so won't receive till next Tuesday absaloute joke of it was quicker I would change my mind… Read Full Review

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★☆☆☆☆

“disappointed customer”

Written on: 23/08/2015 by HunterSerrano (1 review written)

This bank should not be operating and dealing with people's money AT ALL. … Read Full Review

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★☆☆☆☆

“Impersonal bank”

Written on: 11/06/2015 by Silvanf269 (1 review written)

I've given up thinking that Bank of Scotland will ever treat me as a valued customer or even address me by name despite my doing business regularly in the same branch… Read Full Review

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★☆☆☆☆

“Worst customer service ever ”

Written on: 02/06/2015 by Meganb97 (1 review written)

I recently had to go in into the Branch in Renfrew town centre to withdraw money as I had forgotten my card, as I did not have my card the staff refused my withdraw which is fair enough I understand their are security precautions even though I have withdrew money from the Glasgow branch without my card without a problem before. But the customer service I received from the woman behind the desk and another young girl standing behind the desk with her was shocking they made me feel as if I was… Read Full Review

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★☆☆☆☆

“Archaic systems and dreadful customer service”

Written on: 16/05/2015 by DawsonMcKinnon (1 review written)

I have a credit card with BOS. I tried to change my address, but you can only do it by going to a branch or writing a letter including an original utility bill. I don't live near a branch, so the only other option is to write a letter. When I suggested that this was a little archaic I was told that this is a very safe method of doing things. They wouldn't agree that it was archaic, and suggested that their underwriters have sanctioned this process as secure. This was after the third… Read Full Review

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★☆☆☆☆

“Worst business banking ever”

Written on: 02/03/2015 by davidsgreengrocer (1 review written)

If you are just starting out in business as I am, please do yourself a favour and DO NOT open a Bank of Scotland business account. It took me a month just to get the account open. That was after dozens of calls because it was taking so long. Luckily I got my account number from someone on the phone, otherwise I would still be waiting for it because over a month later, I am still waiting on my welcome package with in the account details. I only got the account number because I threatened to go… Read Full Review

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Felixubaka's Response to davidsgreengrocer's Review

Written on: 17/03/2015

bank of scotland is the worst bank when it comes to business banking. it takes more than 2 hours to even speak with the businee team via phone. please don't use it.

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★☆☆☆☆

“Dreadful Service”

Written on: 12/02/2015 by SusanBrooks122 (1 review written)

Whenever you call you are told they are busy and may prefer to call back later. That happens on every call. Anytime you need something, you end up chasing it up several times. Nothing good to say about them sadly, will be moving account away… Read Full Review

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★★★★★

“Great Customer Service”

Written on: 31/01/2015 by MaverickRoss (1 review written)

I never write reviews, but today's service by the bank requires one. I phoned from abroad regarding an admin problem with my account. It was resolved promptly and without me asking, they have credited my account £50 for having to deal with this during a holiday plus £15 to cover the long distance phone costs. The agent did an exceptional job at treating me well and making me glad that I bank with Bank of Scotland… Read Full Review

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