I'm mad now

MicheH

Ok, now i've realised that banks are not there to help you. They're in for themselves, they're a business and want to make money out of you. Yeah I now understand it and accept it.

So I shouldn't be hopping mad about the conversation I have just had on the phone.. but I am!

I don't want my two girls to be fickle with money like their dad and me and having to go through what weve been through. So, in my stupid little world I decided to call Coop bank (thinking they would understand) about their children's little saving club. I told them straight away that I was bankrupt and was totally ready to be understanding that they would reject me but that was before I was YET AGAIN grrrrrr! told that how can I possibly be wanting to save when I've delared myself bankrupt because of not having enough money live on or to pay creditors.

I'm very quiet, timid and don't like conflict but I argued that I wasn't wanting an account for myself, the account I was enquiring about was advertised simply for children and I wanted it for my children to go into the branch and learn to save their little bits of money they get. Im so upset because I was doing it to try to teach my children the correct value of money and saving and now I feel like a fraud, lier or cheat who is trying to set up an account to hide my hundreds of pounds that I will have now BR.. yeah right, what an absolute joke.

I tell you, I've toughened up recently but I have a long way to go. That has just put the last nail in the coffin that is the relationship I have with banks. For the rest of my life I will have a basic account because that is what I need to have to live in the real world but banks will NEVER get another penny out of me.

Looks like i'll be getting two savings boxes for my kids and a safe for me and any future savings ill have. "&^* it and ^&%$ them! :mad:

Ok, i've left this on screen while I have a cuppa. I have just walked away from owing money. I suppose I deserve it

Harry_Powell

Did you have to tell the bank that you're BR if the account is for your children?

MicheH

No I didn't I just thought it best to be upfront. Yeah I know, i'm stupid

dalip

Should have taken the person's name and reported them for being judgmental!

Hope you feel better after your cuppa:Dand that rant.lol

dane-katie

You didnt deserve that! how dare they ask that, i would have gone mad too!!!

Grrrrrrrrrr they annoy me i thought co-op might have been a bit more understanding?

GotToChange

You know something? This is the second time I have read about Co-operative Bank staff making this kind of remark (can't recall the other thread but that one was face to face in the branch I think). It is shocking when they pride themselves on being understanding of Bankrupts and of course being one of the few banks to offer accounts to them. I'm disgusted.

It may be no help -and it sounds as though you're going the piggybank route now but it is possible to set up an ISA alongside your current account - credits can be made in a branch or transferred between accounts via internet banking.

Is your BR recent? I didn't mention the ISA for a good 10 months but, having been treated nicely from the get-go, wouldn't have been worried to before then. I wonder if recent BR might be an issue...? Nevertheless, it's still sh***y and a strongly worded letter/email wouldn't go amiss in my opinion.

I asked them the other day what the Britannia merger would mean and was told quite strongly (and nicely) that the Co-operative values and policies would remain as ever ~ maybe some staff training is needed?

tigerfeet2006

They have the odd person who is judgemental like anywhere. Some one had this the other day when they rang about an account and rang back the next day and spoke to a different person and they got a completely different response, helpful and non-judgemental.

So_Sad_Angel

Hey Honey....calm down...deep breath in, breathe out, breathe in....breathe ouuuttttt....ahhhhh now is that better ?

Be tough....after all YOU are the customer....& thats their reason for being in business...if they can afford to turn away business then they are being very shortsighted. Your children will grow up & maybe need full banking facilities with that Bank....as I say...its the Banks loss ultimately.

Angiex

FinancesOfAFiveYearOld

I can't understand why everyone thinks that the sun dims whenever Messrs Co & Op sit down.

Sadly (in all sorts of ways) they were one of my creditors when I went every so slightly busted - and they were the most persistent, rudest and least friendly of the lot. Phone calls 08:00 and 21:00 HRS plus a couple in-between and it took the serious threat of legal action by me, plus a complaint to the OR, to get them to stop even after the nice Judge-Lady pointed her finger at me and shouted "Pauper! Your designation is now nnn of 2008!"

I only shop at the local Coop because that's all there is within reach since the nice OR took my car away (single man with two working feet and a knowledge of rural roads apparently, that's me) ...

My blood gurgles and steams every time I read on here about what nice people the Coop are!!! If I had a long pointy stick I wouldn't risk blunting the end by poking the Coop with it.

OP - hugs, smoochies and all of my sympathy. empathy and anything else ending in "athy"! I, for one, understand!

Charco_2

"told that how can I possibly be wanting to save when I've delared myself bankrupt because of not having enough money live on or to pay creditors."

As someone was posting in another thread on here, the point of the bankruptcy is actually that you DO have enough to live on but not enough for all the extra crippling debt. You have every right to feel aggrieved about this and may even want to box her face but dont let her ignorance bring you down.

MicheH

I am right now writing my very first letter of complaint having read your responses. This is a brave thing to do because I hate fallout,upset and bad feeling but i am annoyed. I got to thinking that maybe this is what the bankruptcy section told the assisstant while I was on hold but the assisstant should have an ounce of customer training wriggle those words round a little so I wouldn't feel so offended.