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I opened a basic account with Satans in 2007 after encountering financial difficulties in which I kept in credit, no charges or any costs incurred.
During the last couple of years I was continuously asked if I had ever thought about up-grading to a Current Account by my local branch in which when I said yes it was declined due to my credit score. Anyway just before last christmas I was again asked during a further visit to my branch and was told that to apply in the next couple of months as my rateing had improved in which I did.
I was successful with the up-grade, received a debit card and cheque book but I kept the basic account open in which I still use for all my direct debits and standing orders. I also refused to accept a minimal overdraft facility in which I did not want.
Over the weekend I applied on-line for a replacement cheque book in which was declined so I contacted Satans via a secured message for the reasons why. The reply today advised me to either phone customer services
or speak to someone at my local branch. I decided to phone customer services who confirmed that I would not receive another cheque book due to the fact that my banking scoring was not sufficient and that it was due to the amount of my regular monthly income ?
I then was transferred to customer complaints who again reiterated what I was previously told and could not disclose any further details as to the reasons why ? I found the complaints managers attitude rather condescending after myself explaining that I had never been overdrawn or incurred any charges in 8 years with them, I have always had a regular monthly income albeit approx £2,000+ net and a current balance of nearly £6,000 over the two accounts 
Now without sounding nieve, is this common banking practice at the moment that exemplary accounts are now being penalised on the basis of your monthly / annual earnings ? I could understand if the account was in a mess and seems that this maybe my problem. Will it be my debit card next ?
rant over and any enlightenment would be appreciated.
During the last couple of years I was continuously asked if I had ever thought about up-grading to a Current Account by my local branch in which when I said yes it was declined due to my credit score. Anyway just before last christmas I was again asked during a further visit to my branch and was told that to apply in the next couple of months as my rateing had improved in which I did.
I was successful with the up-grade, received a debit card and cheque book but I kept the basic account open in which I still use for all my direct debits and standing orders. I also refused to accept a minimal overdraft facility in which I did not want.
Over the weekend I applied on-line for a replacement cheque book in which was declined so I contacted Satans via a secured message for the reasons why. The reply today advised me to either phone customer services
or speak to someone at my local branch. I decided to phone customer services who confirmed that I would not receive another cheque book due to the fact that my banking scoring was not sufficient and that it was due to the amount of my regular monthly income ?I then was transferred to customer complaints
who again reiterated what I was previously told and could not disclose any further details as to the reasons why ? I found the complaints managers attitude rather condescending after myself explaining that I had never been overdrawn or incurred any charges in 8 years with them, I have always had a regular monthly income albeit approx £2,000+ net and a current balance of nearly £6,000 over the two accounts Now without sounding nieve, is this common banking practice at the moment that exemplary accounts are now being penalised on the basis of your monthly / annual earnings ? I could understand if the account was in a mess and seems that this maybe my problem. Will it be my debit card next ?
rant over and any enlightenment would be appreciated.
