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Lloyds just get worse with the hard sell
Comments
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As soon as a customer mentions Moneysense to me I am no longer allowed to try and sell them any natwest products.
lol - a little bit like how garlic works with vampires
"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
How do you know that she doesn't travel a number of times a year and why can't she still have a car/mobile phone? I think there is some ageism going on here. The banks have to treat customers fairly as part of there licence so because someone is over a certain age doesn't mean they should be discriminated against or have assumptions made about them as this is not fair
Willow, your moral high ground stance is very wide of the mark here I'm afraid.
Firstly, I used to work for HBOS, and know exactly what is being said here, and it is accurate. You are almost forced to hit customers with the hard sell, you are told by management not to "take no for an answer", if this means preying on old ladies then, unfortunately, to keep their "leads" up, some cashiers will ignore all moral values and "sell" the customer something that they neither want nor need.
Secondly, the OP has said that the elderly woman was in obvious discomfort at the level of questions being aimed at her, and as someone has previously stated, these questions should not be aired in the public domain...why should you answer questions about your financial position within ear-shot of other customers? As a result of this discomfort, she would appear to have relentented to the badgering and agreed to discuss the matter with a banking advisor. Hopefully she renages on any future appointment.
In short, banks (not all of them though) have turned from a service institution into a pressurised sales environment and these ones that continue to do this will hopefully feel the same effects as HBOS have suffered recently.
NB.
For those that do not want further questioning at the cash pods, it is an idea to request that you do not receive marketing of any nature, either bu phone, post or at the counter. A note of this must be put on your account and it is an FSA requirement that it is adhered to.0 -
NB
For those that do not want further questioning at the cash pods, it is an idea to request that you do not receive marketing of any nature, either bu phone, post or at the counter. A note of this must be put on your account and it is an FSA requirement that it is adhered to.
I asked for this and was told that the "No Marketing" tag only applied to phoning me at home. Are you sure that this includes at the counter because Lloyds told me it didn't0 -
I don't believe any of the banks have a system that would flag up marketing preferences at the counter.0
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I don't believe any of the banks have a system that would flag up marketing preferences at the counter.
With all due respect, your beliefs are mis-founded. As I said, I used to work for HBOS and as someone has pointed out previously, upon swiping the customer's card on the computer, a dialog box in bold red writing warns the teller that the customer has opted-out of any kind of marketing and as such should not be asked.0 -
With all due respect, your beliefs are mis-founded. As I said, I used to work for HBOS and as someone has pointed out previously, upon swiping the customer's card on the computer, a dialog box in bold red writing warns the teller that the customer has opted-out of any kind of marketing and as such should not be asked.
This is not the case at natwest, you can opt out of phone and mail, I believe you can also opt out of prompts showing on your account for the cashier to respond to but the cashier would still mention something if you have excessive borrowing or excessive cash in a current account.0 -
Willow, your moral high ground stance is very wide of the mark here I'm afraid.
Firstly, I used to work for HBOS, and know exactly what is being said here, and it is accurate. You are almost forced to hit customers with the hard sell, you are told by management not to "take no for an answer", if this means preying on old ladies then, unfortunately, to keep their "leads" up, some cashiers will ignore all moral values and "sell" the customer something that they neither want nor need.
Secondly, the OP has said that the elderly woman was in obvious discomfort at the level of questions being aimed at her, and as someone has previously stated, these questions should not be aired in the public domain...why should you answer questions about your financial position within ear-shot of other customers? As a result of this discomfort, she would appear to have relentented to the badgering and agreed to discuss the matter with a banking advisor. Hopefully she renages on any future appointment.
In short, banks (not all of them though) have turned from a service institution into a pressurised sales environment and these ones that continue to do this will hopefully feel the same effects as HBOS have suffered recently.
NB.
For those that do not want further questioning at the cash pods, it is an idea to request that you do not receive marketing of any nature, either bu phone, post or at the counter. A note of this must be put on your account and it is an FSA requirement that it is adhered to.
Well unfortunately HBOS is not the bank in question, and to be fair to you I don't know what lloyds tell their staff to do but I know this definately isn't the way at Natwest.0 -
I asked for this and was told that the "No Marketing" tag only applied to phoning me at home. Are you sure that this includes at the counter because Lloyds told me it didn't
Hi Geoffo.
This was definately the case with HBOS, I would assume that all computer-aided banks have the ability to do this and that Lloyds would just have been trying to fob you off either because the cashier didn't know how to do it, or so that the next time you were in, one of their colleagues could have a go at nagging you!0 -
This is not the case at natwest, you can opt out of phone and mail, I believe you can also opt out of prompts showing on your account for the cashier to respond to but the cashier would still mention something if you have excessive borrowing or excessive cash in a current account.
To point that out isn't strictly marketing though, it is merely an observation. Whilst annoying, they may well be trying to help. It is if they follow this up with "why don't you move some of the cash over..." or "have you consider an alternative means of borrowing..." that they are crossing into the marketing territory.0 -
You can indeed, provided the member of staff in question has half a brain and knows how to change contact preferences.This is not the case at natwest, you can opt out of phone and mail, I believe you can also opt out of prompts showing on your account for the cashier to respond to but the cashier would still mention something if you have excessive borrowing or excessive cash in a current account.Kavanne
Nuns! Nuns! Reverse!
'I do my job, do you do yours?'0
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