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Appointment With the Bank Manager
Comments
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I really dont understand what everyones problem is.
I got a deal that I was happy with, and was served by someone that didnt give two hoots if i took anything or not.
If i had not have taken the appointment i would never had known about the CC offer and i would have been worse off.
As it is, i am able to pay for my holiday this year and be able to pay it off over time rather than in one lump sum.
Relax people.
Not everyone in the world is that bad.
Nobody said that everyone is bad.
The fact is that in earlier post I did say that there is a possibility that some good may come out of the meeting.
It is also true that people are nice to you when they want your money.
I do not know what your problems is.Money is a wise mans religion0 -
billbennett wrote: »I've got the "no marketing" marker on my account with Lloyds too, but my OH gets these all the time.
I've also got the "No Marketing" marker on my account with Lloyds, but it doesn't mean anything in a branch. After I was constantly pestered whenever I went in to my local branch, I complained to the Manager. He rang me at home and said the "No Marketing" is only applicable to contact through the post. He said that when the teller is saying "I see you're due for a review", or "Do you realise we have a better account available now", they are not looking at any account details, and there certainly isn't any marker to say that you've asked for no marketing. So its all a bit of a waste of time really!
Another bit of advice to the op, they don't always make it obvious that they are trying to sell you something. They will dress it up as though they are giving you something to your advantage. It's only later, when you get home, that you will realise there is a cost to you involved - and it's not always that obvious0 -
Morning all
Had a phone call this week from my local Lloyds branch asking me to make an appointment with them for an account review.
Made the appointment and have just received a letter asking me to bring in all sorts of personal details, eg nat insurance number, income and expenses, details of any savings or investments etc etc.
Why on earth would they need all these if they are just reviewing my account???
Cheers!
Because they want to sell you stuff.
That's how they make their money, by getting mugs to come in with all their paperwork and then try and sell them insurance or savings products that they don't want/need.
And btw - it's not with the "Bank Manager"
"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 -
Because they want to sell you stuff.
That's how they make their money, by getting mugs to come in with all their paperwork and then try and sell them insurance or savings products that they don't want/need.
And btw - it's not with the "Bank Manager"
The bottom line is that the bank want to get as much as they can out of you, this goes for any other business too. Some of the products are good but the bank would not offer anything that does not benefit them.Money is a wise mans religion0 -
The bottom line is that the bank want to get as much as they can out of you, this goes for any other business too. Some of the products are good but the bank would not offer anything that does not benefit them.
Not to forget about the commission that the friendly "advisor" will make off the back of the sale of the credit card.
There is one born a minute though - many just go in and lay their finances out on a plate for anyone and his dog to rifle through."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 -
Rarely a direct commission payment though. Usually part of a complex bonus scheme where you have to turn a couple of cartwheels and jump through a couple of hoops before it triggers any sort of payment,Not to forget about the commission that the friendly "advisor" will make off the back of the sale of the credit card.
And here is the whole point of the matter.There is one born a minute though - many just go in and lay their finances out on a plate for anyone and his dog to rifle through.
Like it or not, most people in this country are incapable of managing their finances effectively. Be that spending more than they earn, failing to find the best home for their savings or simply not bothering to shop around for car insurance when the renewal comes through once a year.
It is almost certainly better for such people to spend an hour a year with a poorly paid bank branch employee than to not bother at all. That's not to say thay they'll end up with the best deals on the market. But they should end up better off than they were before they walked through the door.0 -
opinions4u wrote: »Rarely a direct commission payment though. Usually part of a complex bonus scheme where you have to turn a couple of cartwheels and jump through a couple of hoops before it triggers any sort of payment,
And here is the whole point of the matter.
Like it or not, most people in this country are incapable of managing their finances effectively. Be that spending more than they earn, failing to find the best home for their savings or simply not bothering to shop around for car insurance when the renewal comes through once a year.
It is almost certainly better for such people to spend an hour a year with a poorly paid bank branch employee than to not bother at all. That's not to say thay they'll end up with the best deals on the market. But they should end up better off than they were before they walked through the door.
I hate to admit it but you are right about most people being unable to manage their finances. Much of it is down to apathy.Money is a wise mans religion0 -
opinions4u wrote: »Like it or not, most people in this country are incapable of managing their finances effectively. Be that spending more than they earn, failing to find the best home for their savings or simply not bothering to shop around for car insurance when the renewal comes through once a year.
It is almost certainly better for such people to spend an hour a year with a poorly paid bank branch employee than to not bother at all. That's not to say thay they'll end up with the best deals on the market. But they should end up better off than they were before they walked through the door.
That can be true.
One time I spoke to Natwest on the phone, the woman told me that I had too much in my account. It was just a standard account and I had about £3000 in it. She said I would be better off putting all excess money I didn't need for month to month living into a saver account and to keep putting excess money each month into it every month as I would earn more interest on my money.
She even set up the account for me there and then and once I agreed and signed the paperwork, £2000 of it was transferred straight to it.
I still have the saver account, it is good for me, because I just keep what I need in my current account and keep the rest in the saver. With online banking of course I can transfer money between them within seconds if I need to.0 -
Nobody said that everyone is bad.
The fact is that in earlier post I did say that there is a possibility that some good may come out of the meeting.
It is also true that people are nice to you when they want your money.
I do not know what your problems is.
My apologies.
I had not intended to quote you.
I was just ranting at the fact that i had the appointment and it worked in MY favour, but everyone seemed to be hell bent on trying to convince me that they had "won" in reeling in my business, and that it appeared to me that i was one of the "born every minute" breed.
Trust me when i say that i am not of that breed, and i have no real need for credit as i could pay for the holiday outright.
It just so happened that this would be more convenient for ME and not them if i did it this way.0 -
My apologies.
I had not intended to quote you.
I was just ranting at the fact that i had the appointment and it worked in MY favour, but everyone seemed to be hell bent on trying to convince me that they had "won" in reeling in my business, and that it appeared to me that i was one of the "born every minute" breed.
Trust me when i say that i am not of that breed, and i have no real need for credit as i could pay for the holiday outright.
It just so happened that this would be more convenient for ME and not them if i did it this way.
No problem mate, I am glad that you left the meeting a satisfied customer. Paying for a holiday with a credit card offers you protection too. These are the happy days. All the bestMoney is a wise mans religion0
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