On 27/04/2018 09:33, alan_m wrote:
On 25/04/2018 23:22, TimW wrote:

Actually if you are getting into trouble Barclays and Lloyds will
start to increase your costs and rob you as fast as they can, knowing
you can't afford to pay it back.

They are all much of a muchness. Worth having a small overdraft facility
even if you never expect to use it to avoid being stung for unauthorised
overdraft fees (ISTR £12 for every letter they send and £3/day or
something even if the account is overdrawn by a couple of quid).

I once went overdrawn with RBS and according to them for around £3 for 2
days and the penalties reached around £50.

It took a while to get this money back and to persuade them that I had a
"free" £200 overdraft facility on my account. The local branch refused
to acknowledge that my on-line bank statements for many years actually
stated that I had this facility and it had been automatically enabled.
They also refused to acknowledge that interest was paid on the account
even though the statements carried the word "interest account" and a
recent interest payment was shown in the statement.

I no longer bank with RBS.Â* However there were other issues with them
such as issuing multiple replacement debit cards but voiding them before
I could use them.

RBS have become a toxic brand with their now infamous Global
Restructuring Group and selling SME's dodgy rate-hedging bets.

https://hansard.parliament.uk/common...ngGroupAndSmes

It won't be long before that brand vanishes forever and good riddance.

I hope that the business owners whose lives they wrecked do eventually
get some compensation (unfortunately it will be the taxpayer who pays).
That is the trouble with banks - they are too big to fail and play a
heads we win and tails you lose game with their customers.

--
Regards,
Martin Brown