Great 'Work in a bank? What should we know' Hunt

regularsaver1 · 12 May 2007 at 1:17PM

excel - they may have been waiting a cash delivery from securicor, so could not load it before opening

natweststaffmember · 12 May 2007 at 5:24PM

Martin Martin Martin, oh why have you done this to me, a thread in which i can tell people the truth about charges, how can you do this to me??!!! You KNOW by now i will post more and more and more and more and more.
so things to write once i have read the thread

Martin, why have you started this thread it will be so so cathartic?!!

I cannot wait to read the existing contributors(why have you not got a chatroom coz you may need to edit almost everything!!!

exel1966 · 12 May 2007 at 5:27PM

regularsaver1 wrote: »

excel - they may have been waiting a cash delivery from securicor, so could not load it before opening

Yes, i suppose that could have been a possibility, but to have all 4 out of action for normal transactions !! There were some very annoyed people in the queue. The poor girl at the c/s desk was getting bombarded with people complaining !!!

Banker54 · 12 May 2007 at 5:33PM

regularsaver1 wrote: »

Yes Banker, well HBOS

Jo, we load our own cash in ATM's and balance them

They are looking to have some firm come in at night - but the money is in the safe so unsure what how they are going to do it?

I had heard somthing about this and i couldn work out how it was going to be done either, unless they stop delivering the cash and bring it in with them, cant see how it will work myself!

natweststaffmember · 12 May 2007 at 5:53PM

I have skim read the thread and just wanted to say to thebyp and uk007bulldog, I have been in breach of my contract since the bank charges debate started and so I personally know the risks involved and have taken them unreservedly because i disagree with a policy that i cannot justify. I KNOW that it is sackable, I KNOW but we all make choices in life and some of us choose to take them
I should also say that sales targets as suggested still exist today BUT surprisingly i will also say i like the job and the challenging and changing environment that exists within the banking world. As with any job, if you hate it ,leave, if you don;t, then get on with it in spite of some of the conditions and expectations that are placed upon you. I have a wealth of information but i think i will guard it for the right time and the right place.
I still believe in the job i am doing and so i could say my gripes but many have done so already. I stay because i still feel more changes are imminent and I want to be part of it.

Mrsgeordie_2 · 13 May 2007 at 8:07AM

I love this thread on banks :T That explains why we are approached for an account review EVERY time we are in the bank. My Darling Husband fell for it last time & I cruelly sloped off shopping for 15 mins before rescuing him!
We bank with TSB & like very much the bit about overpayments on loans & not paying the last payment until the end!
I worked in a huge corporate bank for only 1 year in the reconciliations department. Due to month end reporting time constraints if I was out by a couple of hundred thousand, I was told it wasnt worth my time trying to find it :eek: Consequently I hardly understood what I was doing for the entire year & was very relieved to be offered a job in the non banking sector :beer:

[Deleted User] · 13 May 2007 at 8:50PM

Jo, or other nationwide guru,

Just wondered how the overdraft reserve works. I opened my account a couple of years back and was given a 700 limit I think. The website then said I could increase it to x, with x increasing every few months. I did increase it a year or so ago to approx 3k but it's never offered me anyhting higher since or told me I must reduce it.

Is there a max overdraft offered in £? Or as % of amounts credited?
If I asked for an increase, would it be considered or declined automatically, given the website isn't showing an agreed increase?

Also, would I be allowed to open a 2nd current account (I have another one elsewhere and I'd like to tidy things up and use fewer institutions)? When I asked via messaging I was told to refer to the website which was a bit unhelpful (otherwise been v happy)!

Many thanks in advance - and thanks to all the other contributors to this thread.

lakes_saver25 · 16 May 2007 at 11:39PM

:mad: I work for a small regional building society as a mortgage advisor. One thing that really bugs me is they way people winge when things go wrong in banking. Human error happens in every job and just becasue it is money people seem to think it is different.
Please remember that banks/BS's want your money! Either investments for us to lend back out or interest payments on loans/mortgages etc.
We are not your friends, we may act pleasent and kiss your a*se at times. But that is only to sel to you and reach our massive monthly targets.
**Timewasters** When you go in for a general chat about a mortgage, the advisor has to log it as an active enquiry. If you then decide not to go ahead with a mortgage for WHATWEVER reason, the enquiry becomes dead and counts against the advisor. Explainng to your manager, that that the last 25 people interviewed only came in for a chat and a cup of coffee and werent really interested in buying a house at the moment, doesn't wash!
Over the last 7 years in banking I have seen a big change, still working for a small mutual, it takes a little longer to catch on. But every member of banking staff are heavily targeted - please do not be offended by us asking you about new products, after all we are "sales people", it is our job
In summary - please remember that banking is about making money. If customers remeber that they may be more careful about going overdrawn and being charged £30+ (Don't get me started on people asking for refunds of charges... I will be here all night!):mad:

techno_geek · 17 May 2007 at 2:38PM

I've banked with HSBC for years, and I popped into a branch for a "review" (I know, I know...), and I got talking to the adviser about internal procedures etc.

Briefly, I found out:

1) HSBC reviews pre-approved lending limits and offers on the 5th of each month, so a couple of days later is the best time to request a limit increase.

2) Customers can request to see their "behaviour score" under data protection legislation - 40 out of 100 and above is OK, 55 and above is very good, and 65 and above is excellent.

3) Branch advisers can't override overdraft limits because "responsible lending" procedures require them to process a full application, but always ask if you have a pre-approved limit first!

james2005 · 18 May 2007 at 6:39AM

Whats the easiest way to obtain a bank account also a business account?

I seem to be getting turn down for any sort of account at the moment.

I do suffer from a lack of vr history and have just moved into my new address 5 months ago.

Please help:mad:

Great 'Work in a bank? What should we know' Hunt

Comments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free