What Bank do you bank with and how do you find them?

I'm with Halifax and I'm finding them a pain in the bum but for a different reason. I currently have a Visa Electron card and have been trying to apply for a "proper" card for years and everytime I get turned down! I have no bad credit, I am on the electoral roll, I am bringing money in, I am 20 and they keep saying that I am refused. My brother who is 18 applied for one. He is not on the electoral roll, has never had credit (which was their first reason for turning me down so I took out a catalogue to build up my credit and they still aren't happy.) and yet they gave him a card straight away! Their reasoning for giving him a "proper" card was because he manages his bills perfectly and has never gone overdrawn.........YOU CAN'T GO OVERDRAWN ON AN ELECTRON! He also doesn't have any bills to pay!! So in short I've given up with them, not sure what I'm doing wrong Sorry for hikacking your thread

Halifax really mega peeved me off a couple of years ago and I chanegd to the Nationwide and they have alwasy bent over backwards to help mewith everything - they have been truly truly fab?

I'm with the Halifax and have never had a problem they've been very good with the whole house moving saga too to be honest which is a relief.

i know i'm in the minority though with that opinion.

Halifax and they annoy me, got my account hacked last year, I only noticed when I went to draw money out when out shopping, went into Halifax while I was there and told them there was a discrepancy with my account to be told they couldn't deal with it there as it wasn't my branch. I asked them to double check the account balance, had my card and ID and he said he couldn't do that either. Took me an hour and half to get from where I was to my own branch and the cheeky feckers that hacked me had taken the rest while I was on my journey. The original Halifax I went in wouldn't put a stop on my card either.

Me and H bank with LLoyds TSB and they are fab with us. The bank staff know H better than they know me as he has banked with them longer, but nothing is ever too much trouble for them and they are always helpful and friendly whenever we go into the branch.

I used to bank with Yorkshire Bank until 9 years ago, but they decided to become awkward when I got married, so I closed my current account and savings account and had my name put on H's current account at the Lloyds and haven't looked back.

I am glad I am not the only who thinks that Halifax are crap. When I had my overdraft they still let me spend even when over it and charged 35 pound each transaction and then kept putting up my overdraft limit.

The natwest have been great if the money is not there they wont let me have it. But since being the natwest, I find much easier to manage I think thats why I prefer it as I am there everyday so if I need money I don't draw out 10 pound I can draw out from the casher 5 pound. Have really cut back on so much since being with them because I know where I am.

Im with the halifax and find them useless too but limited choice as its the only bank we have nearby.

Darent post this, but I'm with Halifax.....as I work for them ?

Don't shoot me down!

I've banked with a few different ones over the years, including bank of scotland very briefly before they merged with halifax and thought they were useless then! I have also worked for clydesdale and rbs, so had staff accounts but my main account since I was 16 and wanted a visa electron card so switched from rbs, has been with lloydstsb and I really rate them. Their internet and phone banking are great and easy to use and the staff in my local branch are lovely, h took my card to work the other week leaving me no money and I only realised on my way to town, I popped in to ask if I could still pay a bill without card/id and they said that would be fine and let me withdraw £10 too ?

I'm with Santander or abbey as I still call them. Have been since I was little. I've no complaints other than when I did my mortgage they sent my offer to a random solicitor rather than the one we had stipulated which resulted in many calls and a delay of a week on our completion

I'm with Nationwide - found them to be excellent.

Thanks for giving the information about the hdfc bank

keep rocking

Thanks ladies its interesting to see what different experiences we have of a bank.

Nott Lass we have our mortgage with stander and I just sent off copy of my marriage certificate as they would not do it in branch.

Don't worry Bec, we wont flame you lol its just the Halifax. Most of the staff are great but unfortunately its the systems in place which are the annoying thing