Moan about banks

Theres alot of things we can moan about when it comes to banks....where do we start!! Well i will start with the convo i had with Natwest this morning...oh dear why oh why do we have to be sold something everything we speak to them. I rang up purely to activate my credit card, for a start it took me 20 minutes to get to speak to somebody and by then i had already entered millions of my details via the really annoying automated woman on the other end! So this woman comes on and checks the details again and taking me through all this security...which you can't complain about i guess!!! but then after activating my card she starts trying to sell me anything and everything Natwest do...she used the old..."im just going to see if you qualify for payment protection plan..." what is that all about...of course i do...doesn't everyone??? you just charge us to cover your backs in case we cant afford to pay for whatever reason!! I think its good to have insurances put in place don't get me wrong but i do feel like sometimes we have to insure everything and anything!! why cant we just have 1 insurance...to cover if anything goes horribly wrong!!! why do we need to take seperate plans out for each individual card and loan...!

Now what else bugs me...ahhh yes bank charges, what are they all about come off it £32 for "admin" charge if you go over your overdraft...im sorry but if you are going over your overdraft surely you are in trouble slightly with finances...why do banks make those people even more in the "RED" why...should they not talk to those people and find out why they are over and maybe "help out" or are they purely just out for themselves...??? i would take the latter! After all everything is pretty much automated so what costs £32, if anyone has answers to this question i would love to know!!!

Does anyone have it when you go to the bank to ask them one simple question and you get 1 lonely sole on the desk with a queue of 30 people....thanks we will just stand here like lemons shall we...oh and sweat, thats lovely that is when you're stressed out holding a miserable baby looking at a 20 minute at least wait and starting to really hate the heat!!

Anyway i could go on forever...Call centres, sales calls all hours of the day and evening!!!