> Having a little bit of trouble understanding the Spanish banks at the > moment. Or should I say feeling a bit "mift" by the whole system..
>
> It all started with my branch being closed down, which was very handily on > my doorstep. It was a very well used office and we now have to all join > the already long queues that the office at the other end of the street > had. Pain!
>
Then I got charged commission for receiving 2 payments that the sender had already paid commission on (finally finding out it is because the money came from outside the monetory union, but it took them a while to find out why and explain to me the reason!) Then another time, they rejected my Social Security payment through lack of funds, and never told me, BUT they can send me a text message saying "your next bill we will be paying out of your account will be for 46.54€ to orange" "we will be receiving a payment into your account that has a 5€ commission charge" oh yes, thats great! but something important like a my SS payment they couldn´t say "your next bill we will be paying out of your account is xx and you don´t have sufficient funds at this time.." or "we were unable to pay the bill..." anything, some kind of notice, why can they do it for some and not for others.
>
And now to top it off they have sent me a letter saying they are changing the name of my account, and will be charging me for use of it if i dont have over 2000euros in it! Now this is an account that was set up to run alongside my loan, so it is soley used for the repayments, therefore never has much in it, a little over the monthly payments.
> And all this from the bank whose motto is "we dont charge commissions to > any one for any thing ever!"
>
> So seriously thinking about changing banks...although with the loan this > is probably going to be hard or expensive.
Then today I had to make a payment into the bank account of a client. After realising I was unable to use the cashpoint as I dont have my own account at this particular bank, I joined the queue to the cashier. After a 5 minute wait and seeing her turn 2 other people away, I asked if I could pay the money in..."that service can only be made between 8.30 and 11 am" came the reply!! AND I think she might even have said Tuesdays and Thursdays, I was too in shock and not listening by that time! Is this not a bank, is that not what you are here for??? oh and the time was 11.15!
> Obviously it is not her fault, and even if I did want to make any > comments, she had already answered the telephone and not even > acknowledging I was still in front of her, so I left with a couple of > disgruntled remarks to other customers on the way out.
>
So...the question now is...if i go through the hassle of changing banks am I going to just be changing the problems?
> I remember one day I went into a different branch again, asking for some > change...they didnt have any!
>
They all have to make their money somehow I guess so the charges are going to be there somewhere just displayed in a different way. I just want my branch office back, where I knew the manager and cashier, they were part of my neighbourhood, they new my account, my phone number and name!. Anyone else got any Spanish Bank problems, stories, gripes? would love to hear about them, or maybe you´ve got the perfect bank account, if so definately want to know about it!
>
> It all started with my branch being closed down, which was very handily on > my doorstep. It was a very well used office and we now have to all join > the already long queues that the office at the other end of the street > had. Pain!
>
Then I got charged commission for receiving 2 payments that the sender had already paid commission on (finally finding out it is because the money came from outside the monetory union, but it took them a while to find out why and explain to me the reason!) Then another time, they rejected my Social Security payment through lack of funds, and never told me, BUT they can send me a text message saying "your next bill we will be paying out of your account will be for 46.54€ to orange" "we will be receiving a payment into your account that has a 5€ commission charge" oh yes, thats great! but something important like a my SS payment they couldn´t say "your next bill we will be paying out of your account is xx and you don´t have sufficient funds at this time.." or "we were unable to pay the bill..." anything, some kind of notice, why can they do it for some and not for others.
>
And now to top it off they have sent me a letter saying they are changing the name of my account, and will be charging me for use of it if i dont have over 2000euros in it! Now this is an account that was set up to run alongside my loan, so it is soley used for the repayments, therefore never has much in it, a little over the monthly payments.
> And all this from the bank whose motto is "we dont charge commissions to > any one for any thing ever!"
>
> So seriously thinking about changing banks...although with the loan this > is probably going to be hard or expensive.
Then today I had to make a payment into the bank account of a client. After realising I was unable to use the cashpoint as I dont have my own account at this particular bank, I joined the queue to the cashier. After a 5 minute wait and seeing her turn 2 other people away, I asked if I could pay the money in..."that service can only be made between 8.30 and 11 am" came the reply!! AND I think she might even have said Tuesdays and Thursdays, I was too in shock and not listening by that time! Is this not a bank, is that not what you are here for??? oh and the time was 11.15!
> Obviously it is not her fault, and even if I did want to make any > comments, she had already answered the telephone and not even > acknowledging I was still in front of her, so I left with a couple of > disgruntled remarks to other customers on the way out.
>
So...the question now is...if i go through the hassle of changing banks am I going to just be changing the problems?
> I remember one day I went into a different branch again, asking for some > change...they didnt have any!
>
They all have to make their money somehow I guess so the charges are going to be there somewhere just displayed in a different way. I just want my branch office back, where I knew the manager and cashier, they were part of my neighbourhood, they new my account, my phone number and name!. Anyone else got any Spanish Bank problems, stories, gripes? would love to hear about them, or maybe you´ve got the perfect bank account, if so definately want to know about it!
