Something i always wonder....

[joneshousehold]

Aw shucks. I'm embarrased now!

 

It was spoken from the heart.

[Spiceskull]

Aw shucks. I'm embarrased now! It was spoken from the heart.

Don't be embarrassed, it was truly a masterpiece. If half my letters were written in that style I would have the banks licking my shoes clean by now...

[Tinkerbelle]

I agree!! It's an excellent post! Well written and well said! A pleasure to read.

[Bookworm]

To date, I have had requests from 2 bank employees for permission to read/post in the forum - both of which are not this chap, nor the other one who was posting in the 'everything else' forum (the one who actually did say "if you didn't read the T&C's then it's your fault.").

 

3, actually, I got 1 the other day (your pm box was full apparently, they must have caught you on a bad day ).

[joneshousehold]

If half my letters were written in that style I would have the banks licking my shoes clean by now...

So why am I still chasing them for my money? Mind you I haven't checked how clean my shoes are yet!

[Spiceskull]

Mind you I haven't checked how clean my shoes are yet!

Perhaps, but you haven't seen some of the letters I have written...however, your chase will not be fruitless - you will get your money back one day soon...

[dave]

My bl**dy PM box is FULL AGAIN!!!!???!! I cleaned it down yesterday (at your request BW ) and the a couple of days before that.

 

Who was the third?

[Spiceskull]

the third???

[dave]

3, actually, I got 1 the other day (your pm box was full apparently, they must have caught you on a bad day ).

 

No. 3 - bank employees that actually have read the rules.

[Spiceskull]

Right - get you now.

[Bookworm]

My bl**dy PM box is FULL AGAIN!!!!???!! I cleaned it down yesterday (at your request BW ) and the a couple of days before that.

 

Who was the third?

 

WAS full, Dave, WAS full, this was on the 14th. I'll send you his/her pm. Mazz1983 is the name.

[Bookworm]

Correction. IS full, can't send you pm again, lol.

[dave]

I give up with my PM box.

 

Email it to me if you can.

[employee]

Dave....i just tried to send u a PM apologising, and asking if i can be number 4? But got told it was full also

 

And as the saying goes, when you've had a bad experience with a company/service ect that is the one that you are going to tell people about. And i admit, at times i hear collegues on the phone being rude or just plain not interested and i wonder how they keep their jobs.

But not EVERY employee is like this, a lot of us do go the extra mile to help people.

and just for the record, i am not sticking up for the company! but there are ppl there that will try the best they can to help!

and unfortunately when u work for a company that has over 1700 employees, one small voice isnt going to get heard, or even 20 of u together

but i know i do the best i can everyday (even when im getting sworn down the phone)

[Tinkerbelle]

That's great to hear! Keep up the good work - I always knew there had to be a good few eggs out there

[coffindodger]

Having dealt with the Nationwide for the last 20 years or so I must say that other than the company stealing money from me on a regular basis I have always been treated with respect by all of the staff I have come into contact with. They may not have done what I wished them to do but we always discussed the situation reasonably. I would imagine that to have to listen to irate customers daily must be soul destroying especially when some of them came be rude and obnoxious. Perhaps I have been luckier than some of the other members of the forum but I can only tell it how it is.

Brian

[joneshousehold]

Welcome back. Thought we might have lost you after the rate at which the thread attracted posts. Keep up the good work and look forward to hearing from you again.

[joneshousehold]

Perhaps I have been luckier than some of the other members of the forum

 

Ah coffindodger - you must just have the gift of the gab. After all you did pursuade one bank to pay up with just one letter and within the week. You underestimate the effect you have on people!

[coffindodger]

I'm just a very very lovable human being

[Andrea1967]

Originally Posted by employee

 

i understand your points entirely....

 

The reason i asked the question is not aiming at anyone whos ever recieved a charge on a a/c.... i should explain my posistion more clearly

 

My posistion is a debt collector on current a/c's (what a joyful career )

And every day i see accounts where for 18 months direct debits have been bouncing, there is a large amount of charges, which have given the a/c an overdrawn balance, but no contact has ever been recieved from the customer, and that is when i wonder how people could let the matter get that far

 

Why don't the banks/bs's contact the customer when they are concerned about the 'conduct of the account' (as Nationwide like to refer to it when refusing any type of assistance)? My friend banks with RBS and they are always phoning her when she goes into the red. It serves as a warning to her and yes, whilst it might be a ploy to offer her a loan at least it could be said they are taking an active interest and offering her some solutions. No, Nationwide they just sit back and watch you get into difficulty, refuse to help when you beg and plunge you further into despair with their despicable charges.

 

Phew Employee, reading some of the posts in this thread has been an eye opener. You've got a real lively debate going on here!

[CLEOPATRA]

Originally Posted by employee

Checking statements has everything to do with it, because thats where your charges are notified.............

 

Checking statements has nothing to do with it! I check mine every month without fail.But tell me, how are you supposed to know, that one of your direct debits will be taken out earlier than it should, or your tax credit payment paid in late,or a cheque payment to you, will bounce? All things that have happened to me, which will then send your whole financial plan out of the window!And if you are on a low income, and trying to support 2 young children, pay a mortgage, pay creditors, and keep the baillifs from the door, where are you expected to find these bank charges? They are mercilessly taken from your account, without any thought for the harm they will cause.

[joneshousehold]

The point is that charges are unlawful. It doesn't matter how much employee or any other bank staff try to put a moral spin on the matter. It is still unlawful.

 

Checking statements, being more careful, applying moral responsibility doesn't get away from the law. It is sad that even the staff are not interested to listen.

 

My Dad always said 'two wrongs don't make a right'. It remains true even in this situation.

 

Employee however seems incapable of addressing the whole issue and is now just repeating the party line. Perhaps we should just ignore them.

[Dave D]

Thought it might be worth putting my point of view.

 

We all have strengths and weakneses, using our strengths to make a living, and handing over other matters to the experts who should solve problems quickly and efficiently.

 

I have, in the last fifty years, had a few bank managers who were absolutely first class (and are now retired). Just a short visit and chat was all that was needed so solve a problem. Usually instant, too. Expert, experienced people who knew their job

and did it well.

 

Some people are lucky enough to have stable and sufficient income to be able to take time to spend some hours a week checking everything. Others amongst us are working our butts off doing a job and getting the money in. When the going gets tough it is to be expected that the paid professionals do their job too. As far as the Banks, especially the Building Societies, are concerned, their job is to profit from investments, and to protect their customers. (Fiduciary is the word, I think.)

Not to rob them when they are not looking.

 

I do not want to be a top notch banker any more than I want to be a surgeon, a dentist, an airline pilot or a plumber.

 

But it seems more and more that, to survive, one needs to become expert in everything now.

 

It is not sufficient to shelter behind a few stock phrases to avoid doing a job well.

 

Just a few years ago I had cause to visit an aged relative in hospital. He was slowly going blind and deaf, and had developed both eye and ear infections which did not help. I found that they were also starving him. The reason was that he didnt speak to the nurses or appear to see them, so, if he didnt ask, he didnt get.

 

Having explained some basics, like writing on big sheets of paper using big letters

in marker pen, and speaking loudly and clearly into his good ear, some sort of communication was established.

 

So he died of mrsa instead.

 

This site is doing a superb job which should result in focussing the attention of the Banks on their real role.

[joneshousehold]

Employee, I owe you an apology. I got you confused with 2minds in another thread! The bit about not responding to the whole issue was directed to them. Many many apologies.

Can you forgive me?

[employee]

i suppose i can

 

and if the 'putting a moral spin' comment was aimed at me too.... look through every post i have made, and nowhere have i said that bank charges are moral or something banks/buliding societies should do. i 100% disagree with nearly all the charges are made to ppl, the only time when i will agree with them is when someone is purposely abusing their a/c (like garantueeing cheques got £100 each day at cash convertors which i see so much )