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Found 56 results

  1. New overdraft alerts as CMA banking rules come into force READ MORE HERE: https://www.gov.uk/government/news/new-overdraft-alerts-as-cma-banking-rules-come-into-force
  2. There are a lot of intricate details to this, so I am going to assume everybody is familiar with how the mobile banking app works independently and in relation with online banking on the website. I'm in a desperate situation. I have literally ZERO access to my online banking. My phone broke the other day so I'm borrowing one of my friends old ones, temporarily. I had an iPhone and this is an Android and thus I couldn't use iCloud to restore most of my information. Therein lies the issue. My old phone had all of my banking details on it. The only ones readily available to me are my account number, sort code and my cards. That being said, here's the situation: I am a student and need to start paying rent for my accommodation for September by the end of the month and so I need to set up a standing order. The HSBC mobile banking app crashes on this phone and therefore I have no access to my security code generator. This narrows my method of access to my account to answering security questions, using a password that I do not have access to, and my memorable word, which ironically, I do not remember. My memorable word is one of two options and I can't tell which it is. I tried accessing my accounts through memorable word + password and I couldn't remember my password. In the process. I am now locked out. The only method to access my accounts, therefore, is through customer service. Kid you not, as if this couldn't get any more complicated - after entering my sort code and account number in the phone, they asked for my DOB and now miraculously it does not match what is on their system (this has never happened before in the 4 years I've been banking with HSBC and this detail has never been changed). So: I can't use the app because it crashes My details are on iCloud and I do not currently have access to them, thereby meaning I cannot use Mobile Banking or Online Banking in Browser I urgently need to make a payment or I am literally screwed Everything that can go wrong has gone wrong, including alterations to my personal details which should never have happened That being said, the last solution is to go to my local branch and present myself in person. To gain access to my details and unblock myself from my online banking etc. That being said, what is the process like? Do I need anything other than my ID? Is there ANYTHING else I can do? My car is in for repairs on Saturday, and I'm working every day except Saturday - so I may not even be able to reach a branch before I go to Uni and inevitably end up being homeless HELP!
  3. http://www.bbc.co.uk/news/business-40338220 Barclays facing possible fraud charges in relation to Qatar 2008 deal. Given that there may now be a court process that follows, we have to be careful what we say, as public comment can be seen as prejudicial. The only observations i would make is that these allegations follow on from a long list of British Banking issues that have really made London look like a centre for dodgy practices and underhand dealing. The other issue is whether it is possible to put these cases in front of a jury, as i suspect that jurors might have a negative view of Bankers. In the US, they would deal with such cases relatively quickly and have expert Judges sitting to hear evidence. Recently it was revealed by Noel Edmunds that he attempted suicide following problems he had with HBOS concerning business accounts he had with them. If you search online there were large numbers of people affected by the illegal actions of HBOS Bankers. HSBC had problems in recent years, with allegations of accepting money from dodgy sources and also allegations about helping people avoid paying taxes due. If you searched online, i am sure you will find many issues affecting most large British Banks. The question is, does British Banking still have a better reputation than other major finance centres ? Personally, i think that the reputation has sunk to a low and only very tough regulation will help it recover.
  4. http://www.mirror.co.uk/money/natwest-online-banking-down-what-7438405 Why does it always seem to be over a Bank Holiday or Weekend that Banks have IT problems? This time with NatWest (although that should probably read... Again with NatWest..
  5. Hi Guys Just a quickie. How much (Average) would it cost a firm to receive a £1 standing order payment from me on a monthly basis?
  6. There is now an All Party Parliamentary Group (APPG) on Fair Business Banking. I know from the years that I have been on CAG that many have found themselves in dispute with their banks and when it comes to SMEs in this position, there is really nowhere to turn. The FOS is of little or no assistance and the legal route is usually financially impossible. That is where the APPG comes in and is working hard to change things so there is a level playing field. Here is a link to the APPG site http://www.appgbanking.org.uk/ The APPG site tells how you can become involved and it is also currently asking for case studies for the forthcoming inquiry. Here is a link to that: http://us15.campaign-archive2.com/?u=4db7ef3d08358a0aafbe5f312&id=e9e076cf4e My particular case revolves around LPA Receivership which has been discussed extensively on CAG and this is one of the many areas the APPG is looking into. If you require any further information, please contact me through CAG. Thank you, Joan Keeley
  7. Hi tony http://www.consumeractiongroup.co.uk/forum/showthread.php?384453-Clydesdale-bank-preference-account-fees-reclaiming&p=4962977#post4962977 I had a Principal Account from 2000 to 2008 when it was abruptly ended by the bank. My experiences sound very similar to yours. I too had a £15,000 overdraft facility and was being charged £50 per month for services on the account. I am currently pursuing the bank on several issues, however they cannot give me any info about the earning threshold that was required to qualify for the account, or who signed the papers to authorise the opening of the account. I would be interested to hear from you to compare notes. Regards Steve
  8. Banking Error Gave Young Lady 4.6 Million Overdraft-What Would You Do? Could you be tempted to spend some. Lose your battle between the Devil telling you to get stuck in and go for it. Or the angel of reason telling you to go into the bank and say i think you have made a slight mistake. As you read this story and perhaps watch the video what is your brain telling you. Would you be planning to lash out,travel the world,take a chance. Where would you go or do,could you be tempted. Or plan to catch the bus or walk to town if no funds to tell them Oh dear what is this on my statement Mr Bank Manager. Have you made a mistake. Why am i seeing a gold plated computer in my head.And much more.Be gone devil. Christine Jia Xin Lee's explanation for her $4.6 million splurge The eye-watering shopping list of an accidental multimillionaire Student given $4.6 million in overdraft error may not have broken the law The simple Westpac error that allowed a Sydney student to overdraw $4.6 million and spend it on designer handbags and clothes has been revealed for the first time. The Link. http://www.smh.com.au/nsw/the-simple-westpac-banking-error-that-gave-christine-jia-xin-lee-46-million-20160520-gozv5q.html
  9. this is about a Vehicle that needs around 3,500 - 4000 Costs in Repairs or a Full refund. its been over 2 Weeks since I sent the required Extra Information to Claims Team that they asked for . Today I received this email. "I have checked with management and your file is still under review and hope to have a decision to you by next week. Should you have any further queries, please do not hesitate to Is contact us." I Received this email about 6 Days ago "I am sorry to learn of the difficulties that you are experiencing with this merchant. Section 75 of the Consumer Credit Act 1974 covers purchases made using the card costing between £100 and £30,000, where a misrepresentation or breach of contract has been proven. Please be assured that a complete review of your claim is in progress and I will update you as soon as possible. " I was told on the Phone 7 - 10 Days it has been over that. Really not happy about the amount of time they are taking. Is there anything further I should do at this stage ? Its causing a lot of issues in the House and costing us money. I am planning on going Small Claims Route if I need to. as I am pretty sure it is clear cut case It has been just over 4 weeks since Lloyds where made aware of the Issue. .
  10. Barclays- SAR and CCA? Dear Cagers, As mentioned in another post I have 4+ debts which I desperately want to sort out ASAP. I want to start with Barclays and I will rely on your amazing help I have seen you have given to other desperate people. Please be aware that I am very inexperienced in dealing with creditors, DCA etc... The situation: Barclays current account: Opened 11-12 years ago. I use this account to transfer £4 each month from another account to be able to pay my debts -£1 to each of 4 debtors. This is including paying £1 each month to my Barclays unsecured loan (£1 payment agreed in 2013 via CDCS)... My account is in ‘working’ condition but I can see online that my address, telephone number and e-mail are marked as unknown –I guess they have found out that I don’t live at the last address provided to them. My e-mail and the telephone number have not been changed though but they have deleted them from ‘my details’ file... Barclaycard- Credit card: CLOSED by Barclaycard years ago (opened around 2004-2005,closed-unknown when and why). Never had any late payments etc.. . I have overpaid £10 to the card and never received them back. No documentation with me to prove that but I am sure about the above. Barclays Unsecured loan: Information on Noddle about my unsecured loan: Barclays Bank Plc Account start date: ‘Summer’ 2007 Opening balance £ 20,000 Regular payment £ 385 Repayment frequency :Monthly Date of default: ‘Summer’ 2010 Default balance : £14,000 Currently owning : under £13,000 Originally taken in 2007 for £20K as far as I remember to be repaid in 4 years-maybe 5 years!?. I was supposed to pay £385 a month. I paid £385 a month for over 2 years until November 2009. I applied for the loan online through my current bank account online page and I remember that the money was transferred very quickly to my Barclays current account. I don’t have any paperwork of terms & conditions or signed agreement. I am not sure if I was provided with any anyway. Maybe I just ticked these as ‘read’ online without reading them to be honest. The loan was spent on an unsuccessful business. In October 2009 I became very ill and had to leave the country for treatment. I did not pay anything to them for around 6 months while abroad in hospital. I returned to England in June 2010. I discussed with them my situation (conversations over the phone) and was paying them reduced payments (as much as I can) but they did not agree to reduced payments and did not care and kept adding fines and fees. I don’t remember receiving anything in writing from them-most of the conversations were happening over the phone, any correspondence I might have had is lost. I received a letter from CDCS (Central Debt Collection Services- Parent Company: Barclays Plc. Information about them here : http://www.humberdebt.co.uk/help-with-central-debt-collection-services-debt-debt-management-and-debt-advice/ ) in 2013 agreeing to my £1 monthly payment offered to them. Prior to that I was paying them higher amounts. After that I never received anything from them, then I moved address and never contacted to update address as I did not have a permanent place of stay. Please give me advice what to do? I guess once I provide them with an address they may issue CCJ (non registered yet on Noddle)... I remember taking the loan but I have not got any documentation etc.. . and have not got a clue how much fines , interest and charges they have added to my unsecured loan. ..Is the right thing to request SAR and CCA to Barclays? I think that it is necessary to recover all the information (statements, charges, interest, ppi and other insurance, applications, correspondence for loan, credit card and current account, telephone conversations) before discussing any repayment or settlements with them? Will SAR provide me with statements for my current account as I will need these for proof of payments for different debts as well? https://www.apply.barclays.co.uk/forms/subject-access-request?execution=e1s1 Do you suggest to apply via post or using their online system above? Do you think that the best is to close my Barclays current account first and then start communicating about the unsecured loan with them? Is it true that once I have requested SAR and/or CCA there is a big chance interest and fines to apply to my account again and to be asked to pay more than the token monthly payment? Your help is much appreciated.
  11. Hi I am having all sorts of issues with Lloyds Bank recently. November they bounced a cheque I paid in because the signature on the cheque did not match the issuing banks mandate - complained and was put through to a branch I did not bank at, bank did not take complaint seriously - complaint was upheld and compensation received. Last week tried to upgrade my account from Club Lloyds to a Club Lloyds Platinum, this was declined - complaint raised and told someone in Lloyds Bank has put a marker on the account, speak to Personal Lending Team. Personal Lending Team say speak to complaints team, complaints team say vice versa. How can the bank decline an upgrade for an account for the features I am going to pay for? Backwards banking... Yesterday 07/01/16 went to reduce my overdraft and it took the bank 45 minutes to do so by telephone as the advisor had to get higher authority to override to authorise a reduction in the overdraft. I also requested a cheque book, this was declined and advised this needs to be ordered in the branch? I have banked with Lloyds for 5 years with my account always in credit and used as my main bank account. Lloyds Bank have said they are going to be sending out a final response in regards to the recent complaint about the refusal to upgrade my account, any thing I can do? I am going to take this complaint forward to the FOS.
  12. Hi Guys, I'm glad i came across this site. I've been doing some in depth reading regarding the process to have an SAR carried out on various lenders etc. In the past I've had the following: Black Horse Loan (2002ish) Applied for my PPI back and told they couldn't find account (now they've been fined 110+ million i'm sure they'l be more helpful Halifax Bank Account BOS Bank Account Birmingham Midhsires Mortgage. I guess my question is can i just send a single SAR to Lloyds banking group HQ (now that they own all these subsiduaries) or will I have to make one to the individual companies within the group.
  13. First of all apologies if the answer to this exists in another thread. I’ve recently started up as a limited company business and (foolishly) opened up a business banking current account with Lloyds around a month ago. I tried to transfer my salary on Friday only to be advised there was a block on my account and I didn’t have access to my funds. I’ve since spoken to a grand total of 6 different individuals, none of whom have been able to explain why my account is blocked or specifically when it will be unblocked. I’ve also been mostly ignored by the bank manager at the branch I opened the account, fobbed off on Monday with an e-mail claiming he would look into. Despite providing my phone number on 4 occasions to 4 different people, I’ve not had a call back to explain. I want to close the account and open one with another bank, however this will negatively impact my credit score. I’m at a loss as to where to take this now, I’m beyond furious. Any help/guidance/direction to a relevant thread would be massively appreciated.
  14. Has anyone noticed that many banking apps now want to have access to more details on your mobile phone? I was asked to update my banking app from the market store and found out by checking the new app permissions that they now want access to my internet browsing history and to have access to my contacts and to be able to modify and remove contacts!!!! I have already fired off a complaint to the FCA and ICO regarding these apps and will have a response within 30 days. this is seriously concerning and I will now review all of my other apps and have turned off several apps for wanting too much info. Why does a bank want access to your contacts list is amazing let alone wanting your browsing history. My solution was to remove the installed internet program and install Mozilla and set it up to delete history on exit and use a proxy too. I have also installed some malware programs to verify that no other naughty stuff has been sneaked in by previous apps. The android app market is getting way above their station in allowing carte blanch access
  15. Hi I hope it's OK to post this here but i really need to make contact with current Santander customers. My story starts a couple of weeks ago when I logged onto Santander online banking. They were changing the login process and asked me to choose an image and a word, which I assume was to overcome people loggin into a fake site. I now see the image and the word to prove the site is legit. Prior to this change I would login to Santander internet banking by inputting my: Customer Id Passcode Registration number I would then have to choose one from three images Click a drop down list (the arrow) and choose from a range of options. I can't remember them all except the one I would choose which was Travel & Leisure. I believe these two things linked to each other. I would then be logged in. This part of the process wasn't about ensuring the site was legitimate I would say it was about me proving I was legitimate. And my guess would be that the drop down list had the same purpose of the images but was there for people with visual impairments. So I made the changes and on we merrily go a couple of weeks later, when I try to login and the website tells me it doesn't recognise the computer I'm login in from - which i found decidedly 'Big Brother' Next it asked me a question, which was: Q What is your fathers middle name? This threw me a bit because my dad didn't have a middle name After login back in a couple of times the question it asked had changed to: Q What is your mothers middle name? Again completely confused because my mother didn't have a middle name. So I had no option but to ring Santander and I got through to the most arrogant, rude and obnoxious person I've ever had the misfortune to have to speak to! He told me I had given my parents middle, which is ridiculous because neither of them had one. He said I had given them the details when I first joined internet banking - well that was some years ago as I've been using a computer since the early 90's and would have taken advantage of online banking from Abbey National as soon as it became available. I asked was providing my parents middle names part of some process where I wasn't allowed to move on without providing one so had to put something. The man was just so rude. Then I can't remember how but we got on to the change of the login process, he told me I was wrong that choosing an image and an option from the drop down list had never been part of the banks loggin system. That this system had been in place for a long time and it must have been years since I logged in - is he insane I use my online banking almost every day. I made a complaint to Santander and the letter they sent me back agreed with him that I was wrong chosing the image and the phrase from the drop down list has never been a part of their login process. I'm feeling really offended now, they are treating me like I must be a daft person who can't remember what happened a couple of weeks ago. Please someone tell me that you agree with me, and fingers crossed someone remembers the date that the new login system changed. I really am outraged that they are telling me what I know to be correct is wrong and I don't know what I'm talking about.
  16. http://www.theguardian.com/business/2014/nov/12/banks-fined-200bn-six-years-history-banking-penalties-libor-forex
  17. on 24/11/2014 I logged in to online banking only to find that my main account appeared to have been very overdrawn for several weeks! This was not true, as I check my account regularly. I went out of the account to look at another account than back in to the original account only to find that all the entries were now correct! The account continued to vary between overdrawn and correct and we were able to print out two sets of "recent transactions" both showing the same debits and credits but with very different balances all the way through. We were not able to detect where the fault had occurred since the online statements were correct - the problem was in the recent transactions records. Has anyone else ever encountered this problem? We have written to the bank asking for a written reply as really as customers we HAVE to be able to trust the bank's computer. At the moment they are (of course) trying to ring me!
  18. Hi all, Glad I found this forum and had a good read hope I'm posting at the right place. I got caught at a supermarket for not paying an item worth £35. (feel deeply ashamed and want to punish myself more than anyone else, I don't why I did it had some alcohol before that happened and curious about things, I would never do that again, so no lecture pls) The security took me to a back room and checked the price of item and called duty manager, and they said you are lucky as usually the would call police straight away and then gave me a piece of paper (NOTICE OD INTENDED CIVIL RECOVERY) RLP. They said you need to make the payment with certain days and they are not calling police this time. And I'm banned from the supermarket lifetime (from duty manager) and banned from the mall for six months (from mall security). I explained to them I have been out of job for a while and apparently had a job offer and now under screening checks. They asked me do I use other facilities in the mall I said I will need to enter the work place in the estate and the gym in the mall as well. And supermarket security asked the mall security are you sure you want to go ahead. However he said keep this paper (mall ban 6 months) and come back to me with your proof of work offer, but don't lose this paper. Not sure what he meant by that (I was panicking so just wanted to leave that place so didnt ask many Qs). My quesions - On the notice of intended civil recovery - on the bottom NB it said data protection act 1998 does not prevent use of data for civil recovery and employment screening purposes... . You are notified that personal info held about you may be passed to police for criminal proceedings.... Your personal data maybe stored and used by prospective employers working client companies to make employment decision. They all sound quite scary to me, the work I'm applying is with a major bank. Would this be somehow disclosed to checking party on behalf of the bank? It mentioned they can pass my detail to police. They didn't do so at the incident. If they pass onto police Would I have a criminal record or any negative record on file that would be represented in CRB cheek? It all happened yestersay and I am going back to the mall to let the security person know I have an offer with the bank as he suggested. Do you think he would be planning to lift my ban to the mall? Otherwise why did he ask me to do so? He sounded quite nice and ensured me don't worrry about the credit checking etc this is civil matter won't affect my history. Is this their general style when things happen or what he actually meant it? S Sorry for all this and really appreciated any comments from you guys! Looking forward to hearing your advices! M
  19. The regulator appears to be nudging the industry to move away from using some customers to pay for others The City regulator is to investigate overdrafts amid a suggestion that it will no longer accept the convention that high charges and interest from those in the red are needed to pay for free banking for all. A history of the bank charges battle The relationship between banks and customers over overdrafts has long been fractious and ended in the High Court. A decade ago, fees had been ratcheted higher and customers were beginning to notice; anger was rising. By 2006, some banks were charging £40 for each misdemeanour, such as breaching an overdraft limit or a bounced payment. £750 for a £2 overdraft At the time, I encountered some incredible cases. In one instance, a reader went £2 overdrawn, was charged £28 for doing so, £35 for the letter telling them so, and then hit for £5 each day they were in the red. The bill ended up at £750. More: http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/10758760/What-the-FCAs-latest-investigation-means-for-free-banking.html
  20. Hello, I am student of University of Wales Trinity St Davids Swansea Metropolitan and as a research for my degree I am writing about online banking, its threats and benefits, adoption and security risks. Was wondering if there is any chance anyone can give me some information about their opinions about online banking, what they think of it, why they use it or not, what they think could be improved or changed. Also I am going to post (if Admin of this page agrees) a link to my online survey about it. Its completely anonymous and I won't be taking any personal details of you. I would be really grateful for any help with my research also details of results will be posted on website created just for my research purpose. Links to survey and the website will be posted within next few days as long as it is approved by Admin of this website. Thank you for your time and interest in helping me with my dissertation research.
  21. Hello I had a loan with Black Horse in 2005 and lost my job in 2007 and had to stop paying. They kept chasing me and I started making reduced payments to them, until late 2008 when I just couldn't do it any more. Click on the icons for more detail as required. My credit file reads 6 from 2007 until 2013 when they defaulted the account. I called them and asked when the account was defaulted I was told the account defaulted 14 days after April 2007 When I said it was done again 2013 they just said yes. How can they do this?
  22. I am receiving a message advising the page cannot be displayed. Does anyone know if there is a problem with the Nationwide Online banking service ?
  23. Within the last 18 months I have changed Banks three times no less. Within days of opening the accounts, I have had to make formal complaints to all three. For each Bank, I set what I considered to be a just and reasonable amount, to compensate me for the issue complained of. I must admit,. a couple of Banks voluntarily increased the amount I claimed, knowing my claim to be so fair, given the cicumstances of the claim itself. The total number of claims agreed and settled has sadly exceeded 23 claims shared by all three. I am still with my original Bank and now they too have been served 2 complaints notices today. I am pleased to say (Not smuggly) that I have not failed with any of my claims. I have been truthful, patient, assertive and robust but certainly not rude. How has this guy been so sucessful ? You may well ask. Well before I answer that, I would ask that anyone who has also got similar experiances of the Banking industry in respect of their complaint acheivements to make a contribution to this post before I finally answer the above question I have put to myself for CAG users everywhere - Even the Banks themselves!. NodNod:wink:
  24. hi, i sell on amazon and have been using halifax for years for my amazon payments, on the 3rd october i opened some new online savings accounts putting 1 pound of my own money in them, which i was going to use on for selling on amazon, after which my online access was restricted, i only found out about this yesterday, phoned them got through to the fraud team, which for very rude and unprofessional, intimidating almost, basicly i said i opend couple of onlinne saver as i sell on amazon, the guy said i will never need this many accounts,you could be doing pay day loan frauds with theses what ever that meant, then he bluntly said we are closing your account, go to your nearest branch and take out all your money, thats my only options there is probably over 2000 pounds in the accounts, i phoned up an complained, and they have opened a case, they basicly put me on holl for an hour after which they hung up, phoned a few times though and eventually got a case opened up, amd threatend the finanical ombudsman etc after reading this forum and hearing all the stories about halifax it would seem i might be wasting my time complaining?? anyone else any experience with this?? what would be the best way to deal with this??? the halifax account are not my main accounts but i was happy using the online banking??
  25. The former head of the business lobby group the CBI, Sir Richard Lambert, is to lead a new organisation monitoring standards in the UK banking industry. Sir Richard has been appointed by the banks but will act independently of them and not lobby on their behalf. He will consult government, regulators, banks and consumer groups to develop the new body. http://www.bbc.co.uk/news/business-24170812 The collapse of bankers' self esteem There is something a bit odd perhaps about the banks setting up a new body to ensure that their people are following high professional standards and treating customers properly. On the one hand, it won't be the arbiter of whether individuals have breached banking standards - because the City watchdog, the Financial Conduct Authority (FCA), will soon announce how it intends to exercise those powers (having been urged by the Parliamentary Commission on Banking Standards to draft a new "single" set of banking standards to be followed by all). But it will develop codes of conduct that are somehow aligned with, but presumably not duplicative of, the FCA's new standards. It will assess the training programmes of banks and third party providers for their appropriateness and fitness. And once a year it will present its findings to the boards of each bank on whether ethical behaviour is - or is not - at the heart of the respective banks' culture and practices It is all about providing greater confidence to us that we are being treated decently by the banks. But in most industries, treating customers well is a competitive issue. For example, you would not expect Tesco, Sainsbury and Asda to set up and fund an independent body to tell them how to provide confidence to their customers that they're not being ripped off. So the appointment of Richard Lambert, the former FT editor and ex-director general of the CBI, to set up this new monitor of bankers' behaviour shows just how low bankers' self-esteem has sunk. Apart from anything else, it is less than a couple of years since the UK's eight biggest banks set up the Professional Standards Board of the Chartered Banker Institute to "support the ethical awareness, customer focus and competence of those working in the banking industry" and "build, over time, greater public confidence and trust in individuals, institutions and the banking industry overall, and enhance pride in the banking profession". Does the decision of the banks to finance the Lambert Plan show that the banks have written off that earlier initiative as a dead loss? That is unclear. But they clearly don't believe it is sufficient to restore their public standing. So what is the big conspicuous difference between that Professional Standards Board and the Lambert model? Well the Professional Standards Board is governed, at the top level, exclusively by serving bankers. Whereas Lambert has insisted that no senior active bankers will be on his board - though three out of the 10 members would be recently retired bankers or independent non-executive directors of banks (the others would include a consumer voice, a trade unionist, an accountant, an investor, a small business person, an academic and even - oh dear - a hack). Which probably tells you all you need to know. However bankers do have to be wary of one thing. Customer service and reputation for fair dealing is a competitive issue. And in an industry historically notorious for collusion, the bankers have to be careful that Lambert isn't seen as a veil for a collusive attempt to persuade all of us that the biggest banks are all much of muchness when it comes to conduct, thus deterring us from shopping around for the best and most sensitive customer service. http://www.bbc.co.uk/news/business-24172431
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