Don't banks just get on your nerves??

banks get on each and every one of my nerves...! i've experienced each and every one of your situations that you brought up, and more.. they chase us for all sorts of payments, even the ones that aren't even due yet! 'i'm sorry sir, but the system says that we haven't received your payment which you already have made. the cheque has been processed, but isn't reflected here yet. so can you please pay us some more because we're blood-sucking mosquitoes who want to irritate you for everything you're worth..' right now i have half a mind to overpay my credit card by 50%, and call them and bug them every single day to demand a refund. if they don't give me my money in two days, i'm going to get my lawyers to camp right outside the bank's doors and harass them everyday like what they do to me.. every single time the bank wants something, they say it's 'policy'. well, from now on i'm going to tell them that i've got my policies too! sorry...just needed to vent a bit :)

They are the same here in Australia, I hate the fees we get when we use an A.T.M that is not our bank, they charge $2-3 per transaction. I had the same thing with a refund to my debit card as well and it took days to get back into my account. Now I withdraw money at the supermarket when I buy groceries as it does not charge a fee and I stay away from counter transactions as well, as they charge for that to.

The same thing is happening over here in India. Over the past decade thanks to the Internet banking they introduced a range of services free of cost. Now they are beginning to charge for those services. For e.g. if I transfer money from my account to another, they are levying a charge for that. If I go to the ATM and withdraw money more than a few number of times, they put a charge to it. It just seems to be going on and on. I am myself beginning to get frustrated with it and hope that somebody sees the sense and nonsense of all this and brings this to an end. Cheers! Ram

Hi Oldchem, Yes banks infuriate me, I recently had to take a tv back to tecso as the inbuilt dvdhad broken and only had it about a month, it was over £200 worth and I had to wait from the Thursday until the Tuesday for the money to show back into my bank and yet like you say the money was taken immediately from account the day I purchased not a few days later. Also Tesco again, not happy with them at present charged me threetimes for my groceries as they said my cardhadn't gonethrough andbecauseeach timemy bank had issued an authorisation code I didn't get the money back until three days later. I was left with no moneyover a whole weekend because of this. Tesco as a way of apology sent me a £10 gift voucher but hey I was left with NO money, couldn't put diesel in the car to take my son togethis new school shoes desparately needed etc but as I live bymy means in the sense I have no overdraught facilty nothing, no credit cards etc I felt the bank could have been more helpful and a £10 voucher didn't cut it either. I have to shop at Tesco as they have the monopoly in my town else I wouldn't Huggles. Ellie :D

You are absolutely right, oldchem. It is frustrating. It takes a second for them to take the money out of your account, but takes days (usually 7 working days) to refund your money into your account. That is not right. The one I liked best is - on my mother-in-law's business account statement, there was a charge listed for 'Free Information Booklet' (for £12.30)!! I mean, they can't even be bothered to hide the fact that they are just making up charges.

I hate banks too, and the funny thing is, I used to work at a bank, so I know all their tricks! (That just made me dislike banks even more, there are really so many things people are not even aware of) The best tip I can give you is to try to change banks if you can, in most countries there are a few decent banks you can use instead of the annoying ones!

I hate the banking system, they are so quick to charge you and not good when you need them. My daughter was charged £30 for being 1p over her limit, it was shocking I don't know how they get away with it.

hi oldchem, i can see your point here very clear, and i totally agree with you. but there is another thing that is making me very angry at the moment. 2 months ago, i applied for another account with a different bank, and while waiting for my application to get sorted out, one of the staff took a chance to suggest me to take this package, that package...you know, too many kind of package i just can't remember. so i was quite interested with the one called future saving plan, which they will be taking 100 out of your account every 1st of month. but to apply for that package (which is it's going to be my money), i had to pay RM8. so i said ok, and they deducted 100 from my account right away for that month. but i have not signed the agreement yet, and they said i can come anytime when i'm not busy to sign..and they also said until i signed the agreement, the package won't be activated and they won't be deducting any money from my account. i went back home and thought back, and realised what they said which is it won't be activated until i signed but they already took 100 out of my account just now. well, ok, i said i will go and sign soon anyway. which i never actually done until 2 months later because i was very busy. and guess what, i got my statement, and i saw a transaction of 100 for the month which i never actually done any transaction that month! when i looked at the detail, it was the bank. so i ended up shouting on the phone with them and i said i do not trust them anymore. i didn't forget to say to the person on the phone that that was illegal for them to treat a customer that way, and i said i'm going to write an official complaint..i think it's ok to do that because i have not signed the agreement yet, unless if they faked one lol