Terribly rude service in Halifax - withdrawing money
Comments
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Hi there,
Today I went to withdraw £900 at my local Halifax branch.
I filled in a slip, had my provisional drivers license with me and of course my card.
The woman was very blunt and when I showed the slip, seemed shifty then asked me "where did the money come from?"
Surely she can't ask that!? How rude! I told her it came from compensation money, which it did! But then remembered I had transfered it from my current account that day. So I told her and told her I have 3 accounts with them.
She was still very rude to me then she counted out £700 not £900! So she did it again and still £700! To which she realized and then counted again and added the rest. Cheek of it!
Anyone else think this was incredibly rude service!?
Very surprised she was like that considering today is meant to be the happiest Monday of the year.
Also may be you had attitude and as such brought the worst out of her.0 -
We are required to ask this for large withdrawals or where you are making a transaction which is not classed as "normal" for your account, for anti-money laundering and fraud purposes.
SES6JWG is right
If you are an employee of a bank then ML is shoved down your throat and how you are personally responsible and can be held liable if something isnt reported therefore I can imagine any branch member will feel obligated to query unusual transactions. Its not personal to the customer just a job.:j0 -
Keeping_Positive wrote: »SES6JWG is right
If you are an employee of a bank then ML is shoved down your throat and how you are personally responsible and can be held liable if something isnt reported therefore I can imagine any branch member will feel obligated to query unusual transactions. Its not personal to the customer just a job.
http://www.hmrc.gov.uk/mlr/your-role/resposibilities.htmWhen do you need to apply customer due diligence measures?
You must apply customer due diligence measures:
when you establish a business relationship
when you carry out an 'occasional transaction' worth 15,000 euros or more
when you suspect money laundering or terrorist financing
when you have doubts about a customer's identification information that you obtained previously
as and when it's necessary for existing customers - for example if their circumstances change
Asking "where did this money come from?" for a transaction of £900? I'm sorry, but I'm finding it terribly difficult to accept money-laundering regulations for the OP's experience.
Unless the €/£ exchange rate has dropped to 6p to the euro suddenly.Conjugating the verb 'to be":
-o I am humble -o You are attention seeking -o She is Nadine Dorries0 -
I had no attitude.
I am very polite, well spoken with good manners. I approached her in a friendly manner and even thanked her for her terrible service. Obviously all I said was "thank you" with a smile. I didn't complain about her rude service but I sure wish I did.0 -
When I am taking money out of my account then I tell the teller when asked any questions that it is none of their business.
I don't care what they are trained to ask.
If they don't like it then I will move my accounts.
I have as much loyalty to my bank/BS as they do to me.
For crying out loud, this is why this country is in the mess it is, when banks/BS are trying to control us who ensure they have a bloody business...:mad:0 -
Paul_Herring wrote: »Anti-money laundering? I don't think so. How can you launder money coming *out of* an account?
Removing the funds, especially in cash, effectively cleans it completely and is effectively the final step in the money laundering process.
That said, I think the transaction in question here is unusual for the OP's account and the cashier has simply tried to ascertain that everything is in order before releasing the funds.I filled in a slip, had my provisional drivers license with me and of course my card."where did the money come from?" Surely she can't ask that!?
I think you have experienced security procedures being applied clumsily and tactlessly and that's a shame. But in reality they have been applied to ensure your money isn't withdrawn by somebody who is not entitled to it.I didn't complain about her rude service but I sure wish I did.
It ain't what you do, it's the way that you do it.0 -
Rupert_Bear wrote: »Very surprised she was like that considering today is meant to be the happiest Monday of the year.
But the cashier seemed perfectly polite, it sounds like the OP was put out by the actual question rather than the manner in which it was asked.0 -
When I am taking money out of my account then I tell the teller when asked any questions that it is none of their business.
I don't care what they are trained to ask.
If they don't like it then I will move my accounts.
I have as much loyalty to my bank/BS as they do to me.
For crying out loud, this is why this country is in the mess it is, when banks/BS are trying to control us who ensure they have a bloody business...:mad:
You're right, it is about control. Risk and control. Ensuring that funds are released to the correct individuals in a world where, from my personal experience of being "the other side of the counter", fraud and unauthorised transactions are becoming more and more common.
The country is in a mess for a whole variety of reasons, not just the banks. The deficit, the "spend now worry later" attitude of a succession of governments, the "I want it now" mentality of the late 20th century plebs, and the "here we are, we'll give it to you" attitude of the banks up until very recently.
Yes, it's true, the bank holds your deposits, paying you a rate of interest and in turn using that deposit to make a profit by loaning it out at higher rates or making better returns in other, riskier investments. In return, in theory, they also provide a place for your funds which is more secure than under the floorboards in your attic.
This is the system. 99% of financial institutions operate in this way. Even building societies have anti-money laundering measures in place, and rely on deposits to loan out as mortgages, so any building society worth its salt will instruct it's tellers to "retain funds" wherever possible (please see Nationwide and their famous 110% mortgages of the late 90s). If you do not like, it may be an idea to prise up the floorboards, however you won't get much interest and I'm fairly sure they are not covered by the FSCS.
Unless you hold a large amount in savings with a bank, or are a heavy user of credit such as mortgage or UPL customer, it is very likely that you are in fact costing the bank money, as they are paying for your card and statement to be printed, your transactions to be authorised etc0 -
Paul_Herring wrote: »http://www.hmrc.gov.uk/mlr/your-role/resposibilities.htm
Asking "where did this money come from?" for a transaction of £900? I'm sorry, but I'm finding it terribly difficult to accept money-laundering regulations for the OP's experience.
Unless the €/£ exchange rate has dropped to 6p to the euro suddenly.
"Where did the money come from?"
"It was laundered through my fake fruit and veg company"
"Right ladies, we got one, set the alarms!"Hope over Fear. #VoteYes0 -
just following orders? hammer, no sledgehammer.....no demolition ball to crack a nut comes to mind"enough is a feast"...old Buddist proverb0
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