Im in need of some help here. I moved current accounts from Yorkshire Bank to Abbey last January (07), all was great until I was told I wasnt valid for a VISA Debit card.
Let me point out that Im 24 and have never been in any debt, never had an overdraft etc. However with YBank I had a switch card, I also have had Car finance without any payment misses. I earn a good salary for my age, and never miss any payment on my current loan.
The problem is, Abbey still cant offer me a VISA Debit, instead I have to put up with using a sodding VISA Electron. They work fine most places, however online payments, over the phone payments, and other payments to places such as Theatres, Hotels etc dont work and its really starting to get difficult.
I have spoken to Abbey about 10 times about this, the first 5 times they said I had to wait a little longer to be valid, however I have now been told I need to leave more money in my account as the "Computer" thinks I will get overdrawn!!!
I now live with my GF and pay a mortgage, all bills come out of a Joint account, 65% of my money goes into this joint account to pay the bills! In this day and age (with house prices etc) its a little bit hard to "leave" more money in the account!
What options do I have here? I initially moved to Abbey for the 6% interest on money over £1k being put into the account. Do I need to move banks?