A High Street Bank Employee's View

ERICS_MUM

Farmer_jones wrote: »

Honest Banker = Oxymoron does it not ?

No. I'm an honest banker, you are just a moron.

ben500

I think honest banker is long gone, bank to the bank, you know the one, the one that wasn't bailed out!

ben500

ERICS_MUM wrote: »

No. I'm an honest banker, you are just a moron.

OOps did you come out with the wrong dress on darling?

ERICS_MUM

ben500 wrote: »

OOps did you come out with the wrong dress on darling?

Oops, me no understand

pingchris

Honest_Banker wrote: »

I am an adviser, on the frontline of a high street bank, who has been bombarded for weeks and weeks by some rude, insulting members of the public 'demanding' their charges back immediately.

I for one am glad that the banks have won the case. I can not believe that people who go over their overdraft limit do not expect to be charged. I completely agree with the ruling that the terms and conditions of accounts are clearly stated when customers sign for a bank account.

I appreciate that there are some customer who fall into genuine hardship at some point, but I see so many people who claim to be in financial difficulty and were 'demanding' their charges back. On further examination of their accounts during this so called hardship, so many customers still have their sky subscriptions, mobile phone contracts, evenings out at restaurants etc etc.

I am also fed up of people saying 'you were bailed out by OUR money' I defy anyone to pop down to HM Treasury and ask them for THEIR money, I'm sure they will be happy to give you whatever amount you want!!!!!

Only today I had a meeting with a customer who said quote: "I was gutted when I heard the ruling, I was planning a holiday with that money!!!" At that point I lost all sympathy for the customer who was in the branch looking at ways to get out of his overdraft. Just shows the mentality of some people.

At the end of the day, banks are not charities, they are a business like every other. Banks get bad press for for reckless lending, which in reality is what is occuring when people go over their agreed overdraft, but then also get bad press for not lending - so we cant win. If I came to anyone on this board and said - "Can I borrow £1,000 off you, dont know when I'll pay it back, if at all, cause I cant afford to pay it back. Oh, and then I might need a bit extra on top" Would you give me the money? Er NO.

Ok, Rant over, but in reality, banks are not the greedy ones, the customers trying to claim charges back because they cant manage THEIR finances are the real greedy ones!!!.

you have made no points that justify a £39.00 charge for being overdrawn by £1.00 and also none to justify a £39.00 charge on a direct debit that didnt go through.
can you supply us with the costs for these charges,after all you do work at a bank,or are you not allowed to see them either.

natweststaffmember

Last Activity: 27-11-2009 7:15 PM
The above is when they last was on the forum. They've gone so I think our arguments are really not exactly falling on ears that are going to listen or more importantly eyes that will read it.

orc_2

Thanks for that Nattie, but we too know how to check when a person last posted. Approx 400 folk have read my post since it was made.

BOB_A_H

voiceofreason wrote: »

Yes, there is honesty within the system - in this context, it's in the T&Cs to the contract which you'll have signed when you took out the account; assuming you didn't bin the paperwork, perhaps you should dig it out and find the paragraph which'll quite clearly say something like "we reserve the right to charge you if you exceed your overdraft limit". YES , BUT DO THEY TELL YOU THE OTT COST OF THE CHARGES !!!!!!?
Fairly honest, then.

As for it being "set up to benefit them" - ditto any business, dear. Did you not read Martin's Money Guide?

Except charities and the like - but even they have to cover the overheads Do you actually believe the crap that you spout, or do you just do it to provoke an argument? My brother does this, but he is my brother so I put up with it . You on the other hand, IN MY OPPINION are just a tosspot.