We’ve got several bank accounts, the Sage and me. There’s our personal accounts, the joint one we pay household bills from, the business one (we recently opened another of those, for reasons I’ll come on to) which is also a joint account, my family trust one (which is less interesting than it sounds) and the Sage has a few others, I don’t keep tabs on it all. But only one of them annoys me.
It’s the one that we used for business, held with a building society that has been taken over from Santander. It goes for a few months without being used, all the sale proceeds are paid into it and out to clients, and the profit is used occasionally, in this case to pay the Sage’s tax bill. And this morning, I received a phone call from Santander to confirm that the cheque recently made out was a legitimate one.
Well, it was soon after 8 am, I was upstairs in the bathroom, the Sage was outside giving the chickens breakfast and I didn’t have the information to hand so put the phone down (it’s an automated call) and, no doubt, they will phone back later. But this happens every damn time a payment is made from this account. To start with, I assumed it was because, after a long period of it not being used, several large cheques were paid out, and this was reasonable. But after a phone call regarding a cheque for well under £100, and not in a fallow period, I did get rather more annoyed. The thing is, if the account is used fraudulently and it’s not our fault, the bank is liable. So this is not customer service, it’s just putting the onus on us. And if one day I had a phone call, knew that cheques had been made out and authorised one too many (with no prior warning and no cheque book to hand), they’d get out of their obligation because it would be my fault.
Anyway, we haven’t closed that account but will wind it down, and have opened a new account with another bank entirely. But what I’m wondering is, does Santander contact everyone every time a cheque is made out on one of their accounts? And does any other bank?