We used to bank with this **** we can't use a nice name to describe them.

We had been with then for 6yrs and every Thursday hubbys wage would go in without fail until one fateful Thursday they didnt and it just so happened when Christmas Day was on a Saturday,and hubbys work had closed for the holidays so there was no way to check and rectify mistake.

So we foolishly went to bank and asked them for a loan/overdraft of wages until new year, even took wage slip which showed it should have been in account, BUT to our amazement we were told as we had no credit history we would be unable to do so, Christmas, no pressies, no money, I am ashamed to say I started crying but to no avail, they would not help.

Well New year came and we eneded our services with these people and we got out and joined a new bank.

The bank then had the cheek to send two letters, one saying we would be charged 50.00 for ending account without proper notice and the other saying we had gone unauthorised overdrawn and would be charged....AND both letters must have been typed in gold as they cost us a further ten pounds each to send!!

We went into branch to try and sort it out and were given the same compassion we had before Christmas, in fact it is now ten years on we still owe them 350.00 but as they failed to contact (find) us within three consecutive years we are now owing them zilch, and its legal and they cannot effect our credit (bigg laughs..sorry).

I now patiently wait for the day hubby wins the lottery and we go to this lot and waste hours of their time getting free drinks and snacks and advice, whilst waving cheque, before oops, thats right dearv this WAS the bank that didnt help us so..You are the weakest link..GOODBYE.

Lots of menacing laughs here!!!!!!!!!!!