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Review of the TSB, Business Banking:

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ARROGANT, LIE, AVOID THIS BANK AT ALL COSTS

I LEFT TSB TWO YEARS AGO after failing to support me with a section 75 claim which should have been refunded for failing and faulty service, they did not stand by me. Poor customer service also made me leave, only used it as a savings current account as such a poor bank customer service wise so didn't deserve the business. I emptied my account and wrote to close it. Never heard from them again until a year later i get a email out of the blue. In it I find they had not closed the account PAID a automatic payment to an insurance company I was completely unaware of and then been adding interest for a year without sending any letters or anything a whole year or more. I wrote a complaint stating I had closed the account why were you paying people from a closed account. They did not close it and stated they did not receive my letter which i do not believe at all. SO if this was fact, Why would a bank then keep adding interest to a dormant account with no money in it or transactions for a year without contacting the person? It is appalling to keep adding interest to a dormant account that no one has accessed at all since TSB made the autopayment a year, before as they had failed to close it. Something wrong her win protecting customers. Auto payments should never be allowed to be taken anyway as people change accounts regularly. SO TSB is liable here I went to The FSO where TSB told them they had been posting me statements for a year, i kept denying it as 12 statements or more don't get missing, I pressed for investigation it tuned out they had only sent them to the online account, keeping accounts one paying auto payments you have not sanctioned and try to deceive you with interest, on an account which was supposed to have been closed. So TSB will lie through their teeth and argue the opposite of the truth. A untruthful firm who will fabricate anything, make out they have not had your letters and not stand by you as there customer, SO many complaints like this the ombudsman should be investigating all cases of complaint as there is so many. Don't let TSB get away with lies and poor service, take it to the ombudsman, they need to be shut down. Reviewed on: 17th June 2020

Review of the American Express, British Airways Credit Card:

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GOOD CHAT SERVICE FOR DISABLED CUSTOMERS

Disability wise I cannot use phones, if I have a problem I can go to the chat easily and someone will help me and there has never not been someone there when I needed help. I always get my problem resolved straight away. This to me is gold as so many banks/cards demand you phone them, not recognising disability at all and are not willing to do anything about it to make reasonable adjustments. I don't constantly have my card blocked like my other cards, which is no good to anyone which leaves you for months without any service as banks fail to respond to letters, so I feel AE is reliable for me and my disability needs when I am needing help. Reviewed on: 17th June 2020

Review of the Halifax, Clarity Credit Card:

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CREDIT CARD CUSTOMER SERVICE APPALLING

THE CREDIT CARD IN ITSELF IS GOOD FOR USE ABROAD. BUT if you get a problem customer service is ignorant. I had over £1000 in credit in my account which i had written to them in writing several times to return my money, four months later no response, so I wrote a formal complaint suddenly my money was back in my account but still no letter of apology nothing. Also had my card blocked so many times, I write due to disability you get no response, you ask for reasonable adjustment and nothing is done so very discriminatory as a whole as no facilities for people who can't use phones due to disability, the bank staff have no answer either or do anything about it. My Father now is trying to get his money back under section 75 being sold faulty goods, two and a half months later still not even acknowledgment of the letter so now going to formal complaint and ombudsman if he has too. Reviewed on: 17th June 2020

Review of the American Express, Credit Card:

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Cashback great, has been disability friendly so far for me

Has been great since opening a year ago, earn cashback on purchases which all helps. Has benefit offers, not many but quite good when they do. It is hard to find these offers though on website. Have recommended card to family members who have opened them too and been happy. Had a few places not accept american express but not many. Pay it off each month in full. Customer service has been good so far, when needed to contact them by email as disability doesnt allow me to phone. Reviewed on: 1st May 2019

Review of the Charter Savings Bank, Fixed Rate Bond:

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POOR CUSTOMER SERVICE

OPENED A FIXED RATE ISA, HAD HEARD HOW THEY GIVE YOU A LOWER RATE AFTER YOU'VE PUT YOUR MONEY IN, AND NONE OF THIER PAPERWORK STATES THE RATE I OPENED IT AT, SO HAVE WRITTEN TO THEM TWICE TO CONFIRM THE RATE IN WRITING BUT NO RESPONSES IN A WEEK BY EMAIL. MY BANKS FRAUD SQUAD HAD CONTACTED ME TOO ABOUT OPENING THIS ACCOUNT WHICH THEY DONT NORMALLY DO WHEN OPENING NEW ONES, SO DECIDED TO GO ELSEWHERE AS GUT FEELING DOESNT FEEL RIGHT Reviewed on: 1st May 2019

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