I’m one of those strange people who think that credit is a BAD option.
I grew up in a family with little spare cash flowing around, and as such like to squirrel away a little cash from time to time.
It’s with this in mind I try to keep some cash in a savings acount – In this case the Santander eSavings account.

Now this account was originally opened with the Abbey (National – for those old enough to remember), before all the banking fiasco started, and gave a good level of interest as time went on.
Then the banking crisis hit and savings rates were crushed.
Abbey were one of the banks under threat, but was ‘rescued’ by Santander – not a positive step in my opinion.

After recieving very little interest from the account for a while, and now that things have calmed considerably I moved the account balance to a new account on Monday – with the usual banking delay for a BACS transaction this finally hit my account on Friday (this is the 21st century for goodness sake – 3 to 4 DAYS to do a transaction )

This I thought would close the account – how wrong could I be!!

I logged in to the account this morning, just to check – still not closed – so as a courtesy to the bank I called them to ask to close the account.
Havnig passed the security check to verify my identity, I asked to close the account, as there was a nil balance.
I was told this was viewed as a transaction and required me to pass ANTOHER security check
After trying to guess my ‘memorable date’ and failing I was told she couldn’t close the account!!!
STUPID STUPID STUPID!!!
How could I possibly manage to move money using the ‘security’ that was previously enough – and not be able to close an empty account?

I hold another account with another bank, not closed for a similar reason. The Yorkshire bank has an account with about 30p in it because they “counld not give me the pennies” when I went to close the account.
That was about 6 YEARS ago!

What ever happened to customer service? Why do we have to jump through some ridiculous hoops just to perform simple tasks with OUR OWN MONEY!?!?!?

‘Effin ridiculous!

It’s kind of nice to know that the banks will have to administer the accounts, costing them money (albeit a small amount).

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