Banking Disasters

Well, first thing in the morning and i am already upset for the day. I have just had a run in with the banks yet again.

It amazes me that it takes so long for the simplest of things to be done with the banks. To do a transfer from one bank to another can take anything up to 5 working days - even between banks that are supposed to be linked together. What really annoys me though is that when you have to pay using a cheque that the second that cheque is banked into ANY bank the money is withdrawn from your account virtually immediately.

How can the bank draw money from your account that quickly but cannot put money into your account with the same speed. To me it seems that they are using OUR money to make themselves richer. To top it off they also charge US to put OUR money into OUR account.

Sitting down and looking over bank statements i also find a rediculous amount of fees that always seem to be there. How can we be charged an account keeping fee each month when we already pay for each transaction? We also get charged each time we withdraw money from an ATM.

The other thing that has amazed me on several occasions is that they are able to charge you the fees from your account BEFORE and with a priority in front of any other transaction. I personally have had two or three times where a monthly payment has come out after they have drawn their fees out. This caused my account to become overdrawn - and as usual i then get charged MORE fees as well as having the payment dishonoured. You can never tell when they are going to charge the fees - it could be any day either before or after the end of month.

How do we as average people do anything about this abuse of trust that is allowed to be put upon us by the banks. How in this day where we can send a video around the world in seconds - can we not have a banking system that is able to treat us with the respect that we deserve