Royal Bank Rant

[Rilla]

I'm soooooooooooo pissed off with the Royal Bank of Scotland.

I've got a credit card with them, but apparently the Royal Bank of Scotland credit card company and Royal Bank of Scotland bank have absolutely nothing to do with oneanother.

I paid £100 cash on my credit card bill to the local bank branch almost 2 weeks ago, and it still hasn't cleared.

Apparently the credit card company needs 2 weeks to clear the cash, to make sure it's real or something - wtf???

I asked them what's the quickest way to pay then, if cash is not secure enough (to prove that the cash is real?), and they answered it's best to pay with a debit card.

Well that's all great, but guess what? I'm foreign, so the bank won't give me a bloody debit card.

AAAAAAAAAAAAAGGGGGGGGGGGGGGGGGGGGHHHHHHHHH

[hr]

Time Dedicated to You.

[munchingfoo]

Surely you should have read all the information about your card and how it works before applying for it?


[hr]

Tired Freudian references aside - your mother played my mighty skin flute like a surf crowned sea nymph trying to rouse Poseidon from his watery slumber!

[Rilla]

Yes, I do know all of the information thankyou, and I've known all of the information for the past year.

It doesn't stop me from getting pissed off though every now and then.

[hr]

Time Dedicated to You.

[The Penguin Of Death!]

can i join in? here is my woeful tale...

I have been at st andrews since september, and changed my account with RBS to a student account at the end of august at my home branch. I arrive in st andrews at the end of september to find that my lovely home branch didnt bother to do anything with the masses of paperwork I had filled in and that I would have to redo the entire process at the st andrews bank!
I have also been in on FOUR occasions to ask if they can change the address my statements get sent to, so that I get them at uni and my mum doesnt need to keep forwarding them. Each time they apologise for the previous mix up, get me to fill in a form and tell me its sorted. IT'S NOT BLOODY SORTED!!! IF IT WAS SORTED I WOULD GET STATEMENTS DELIVERED TO HALL!!! Instead my mum still needs to forward them from home.
Finally, I turned 18 at the end of january and decided I wanted one of those nice debit card thingies...you know the ones with the chip & pin? I went in a week after my birthday, filled in all the forms and was told I would get a decision within 2 weeks (cos apparently I'm not guaranteed one?!). One month later I go in to the bank to see whats going on and get told they must have lost my form and would i please fill out another one. WTF?! And, of course, it is now the 8th of april and I still haven't heard anything about the 2nd form I handed in at the END OF FEBRUARY.
RBS reeeaaalllllly need to get their act together!!!

[queen of scots]

I'd be pissed off too - 2 weeks does seem an awfully long time even for banks!

I have nothing but hatred for the Royal Bank anyway. I'm not even going to bother listing everything they've done wrong...let's just say that if there's the faintest chance they will muck something up, they do.


[hr]

Life is like a beautiful melody, only the lyrics are messed up.

http://standrews.facebook.com/profile.php?id=37100070

[niall]

Quoting Rilla from 11:39, 8th Apr 2006


I've got a credit card with them, but apparently the Royal Bank of Scotland credit card company and Royal Bank of Scotland bank have absolutely nothing to do with oneanother.

its the same with clydesdale bank, tho they dont have the problem with cash clearance!

[hr]

do you have a tastyspoon?

http://www.tastyspoon.com/forum

[Nicole]

RBS are bloody awful. I regularly have to ask them to do things more than once before they bother to do it. I agree about their major problem with changing addresses.
They wouldn't give my friend a debit card for months because 'they had run out of cards'. Err, what?!
They called my Nicola on my card and cheque book, despite have my application form written in clear block capitals and photocopies of my passport and UCAS acceptance letter and other forms of I.D.. I know Nicola is more common than Nicole, but when it's written down clearly many times it just shows a lack of care to misspell it.
When opening a student acccount they wouldn't accept one UCAS acceptance letter because it said S36, not St Andrews, even though at the bottom of the piece of paper it said something along the lines of S36 = St Andrews.
I have many more complaints, which I will not bore you with. It's just annoying that most other banks seem to be crap too.

[Rilla]

Okay, I'm glad it's not just me

[hr]

Time Dedicated to You.

[Clonion]

When I came back from my year abroad, I went into the bank to deposit some money in my RBS account. I was told that they had though I had graduated and so changed my account from a Student Royalties account to a Royalties account. This meant a fee of £30/year, or something like that. Problem - there'd be about £3 in my account to keep it open. So, they sent me a letter to say I was overdrawn, charging £20 for that. Problem - they hadn't changed my address, though I'd filled in the forms, so I never got it, or any of the other ones they sent. What with these letters, and interest building, I 'owed' about £150 quid when I came back. However, the account was closed, as I said, and they'd passed on all my details to a debt collecting agency - and this time they'd somehow managed to figure out my home address, when they hadn't beforehand.

Took them about 3 months to fix it, and they only knocked £100 off, I still had to pay £50.

[hr]

"If I want to quantify anything, I measure it against Clones. There is nothing you will ever encounter in life you haven't seen in some form in Clones"
Neil Jordan

[DeepBlue]

RBS are the same group as Ulster Bank.

When I first went to Uni, before I left I asked to start a bank account at my home branch. I made it clear I was a student and would need a student account, although I am from an area where very few people would go to university.

They gave me an account and a cashcard and I was chuffed, until I arrived at university, made friends and discovered they all had debit cards, overdrafts, cheque books and that some banks actually give you £50 to start a student account!

When I went back to Ulster bank on reading week, asking for all these, I was told that because I wasn't in full time employment I was ineligible. I made it clear I wanted a student account. I told them where to clear their account and joined Lloyds TSB.

[Insight]

My beef with RBS is regarding penalty charges - fair enough (perhaps), I go over my overdraft limit and get a fine (though I think that's also a bit steep). They tell me that the money will taken on date x - regardless of whether I can get that money into my account, especially given the time of year, seems not to matter. So - every time, their charge has pushed me back over my overdraft limit = ANOTHER FINE!

And that woman in the branch with specs like re-entry sheilds, is *so* patronising about it, she's had me on the verge of tears on many, many occasions.

I hate RBS.

[hr]

SRC Member for Sexualities & Genders

[sabra_girl]

I remember in first year I was desperate for a debit card - I was 19 and having to constantly take out cash was driving me nuts (not to mention that this was the time when the cash machines in St Andrews kept running out of cash - others with the same problem as I, perchance?). I was told that I would need to have a regular wage going into my account - when I pointed out that I had in fact had a regular wage going into my account for almost 2 years and that I'd been an RBS customer for the last 11 their reason for not giving me said card changed to 'Err, well, we just can't...you need to have more money going in or...yeah, we just can't.'

Dicks. I now have a debit and a credit card with them, lord help me.

[hr]

"There are not very many desires in life which we can actually meet. For instance, 'I want to meet the love of my life'. Probably not today! But 'I want a cup of coffee.' That I can do!" Chris Thile (Nickel Creek)

I assassin down the avenue.

[Fionnlagh]

I'm quite surprised by all this actually. I have an RBS student royalties account, with debit card (actually it has my photo on the back, which I thought was pretty good). I've never had any problems with them at all, though I still use my Dundee branch, rather than transferring here. Maybe i'm just extremely lucky. Or maybe the Dundee branch is the exception that proves the rule

[hr]

http://facebook.com/p.php?id=37102526&l=9f7bca06b0

[househunter]

thats banking for you. until you start earning 6 figure salaries they will treat you like shit.

[motorhead]

i hate banks they are a bunch of bankers. if i had my way i would keep my money in a matchbox under my bed

[Billy Banker]

Okay....
Firstly, Yes all banks advertise their credit cards but your credit card is mainly run by a bigger organinsation ie Mastercard Visa etc. Therefore your beef is with them. And regarding charges.....Don't tell anyone but if you moan enough at your bank they'll give u them back. Plus they can't charge you on top of charges as all banks adhere to a policy call the Banking Code which means they must do all they can to help their customers avoid financial ruin. But all in all banks are businesses they survive because of the money we give them thru mortgages loans credit card interest and charges.

[Bitterandtwisted]

Only problem I had with RBS was when they once stopped my free overdraft for no reason. Annoying, certainly, but nowhere near as bad as the trouble I had with the Bank of Scotland.

The list of complaints I have about them is huge, but my favourite is when, a few summers ago, I went on holliday for a couple of months. When I got back, my account had gone from about £500 to -£2500. For some reason, they put someone elses direct debits onto my account.

[hr]

We're the MTV generation. We feel neither highs nor lows.
Really? What's it like?
Meh.

[Rufus]

All my dealings with the Royal Bank of Scotland have been absolutely fine, it's the Bank of Scotland that I have problems with.

[Guest]

Quoting househunter from 14:49, 8th Apr 2006
thats banking for you. until you start earning 6 figure salaries they will treat you like shit.

not true - you still fuck things up - though you do get the odd lunch on the bank.

[PurpleAduki]

Quoting Billy Banker from 14:57, 8th Apr 2006And regarding charges.....Don't tell anyone but if you moan enough at your bank they'll give u them back..

You're exactly right. Check out:

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

This is Martin Lewis' webpage - he does a show on I think BBC2 and he's good at this kinda of stuff. On that page he tells you exactly what procedure to follow to get your charges back.

I'm with the Halifax/Bank of Scotland, and I've had very few problems with them (mainly they seem to fail to get my address changed when I fill the form in). The RBS on the other hand... a while back my residence fees bounced, and when I went in to ask why (I had the money in there), they told me that I'd closed the account at my home branch (300 miles away) a few days before. Umm... there was no way I was there then, I hadn't been home for months, and yet they claimed they had my signature.

Long story short, eventually they claimed they'd never said that and there was nothing wrong with my account, but it still took weeks to fix. At no point did they even entertain the possibility it might be their fault - I was treated like I was trying to pull some scam on them. Thus, I have no account with them anymore.

[hr]

Your pretty words can't heal me now