Appointment With the Bank Manager

mrcow

Smudge32 wrote: »

Didn't realise I was so evil. Must go and have a shower in holy water .

You're not evil.

You're just poor value for money for your customers.

Geoffo_M

Smudge - thank you for coming on here and being honest. I, like mr cow, hate going into Lloyds and being continually asked to buy products I don't need. But your posts 63 and 69 have made me see it in a different light now. I believe you are genuinely trying to help your customers and applaud your honesty in saying there must be some dodgy managers. Most people, as you say, aren't MSE experts, and a little bit of good advice (not necessarily the best) is better than none at all. I also accept the difference between branch deals and online deals. Well done matey - hope you work at my branch!

simax

I personally love the Lloyds TSB service..... they have never asked me to sign up for anything or have any reviews. Ever.

Just in, do the transaction, and out again. Even tried to joke with them once saying "Not got any offers for ME then?", and just got a curt "No" back.

Mind you, in hindsight, it's not a bad thing is it?

Danstar_2

Smudge32 wrote: »

Didn't realise I was so evil. Must go and have a shower in holy water .

You're not, I think my Account manager is very helpful and a person. People lambasting you are just innorant to the fact you're offering the best YOU can/have available to your clients.

You're not a moneysupermarket designed to find the best deals for customers just what you can offer them.

Ignore people who are too cynical to see it that way because of bad experiences with OTHERS.

mrcow

Danstar wrote: »

You're not, I think my Account manager is very helpful and a person. People lambasting you are just innorant to the fact you're offering the best YOU can/have available to your clients.

You're not a moneysupermarket designed to find the best deals for customers just what you can offer them.

Ignore people who are too cynical to see it that way because of bad experiences with OTHERS.

First of all, no one is lambasting anyone.

Secondly - no one here is ignorant as to what Lloyds salespeople offer. Some of us have years of experience of it and can see if for exactly what it is!

Thirdly - the Lloyds salesperson who came on here has said nothing to contradict what was already being said on this thread. If you want to improve your financial sitaution with unbiased and objective advice - do yourself a favour - don't ask your bank to do the selling for you without having done some homework first.

As the OP's situation has proved - he was not sold a product that necessarily suits his needs. He wasn't given the facts on the card he was sold in terms of the 3% transaction fee. He's not had it confirmed that the 0% on purchases even works on foreign transactions - indeed - if he follows the advice given by the salesperson he spoke with in his branch, the option he has been sold would work out one of the most expensive ways of financing his trip.

Let's face it, if Lloyds were being 100% honest, they wouldn't call it an "account review", they'd call it a "product push", as that's all they are doing.

I've seen what misselling can do (including from Lloyds) - it can ruin lives. Lloyds are one of the worst too when all their wonderful misselling starts to backfire - then see whose side they are on.

Danstar_2

mrcow wrote: »

First of all, no one is lambasting anyone.

Secondly - no one here is ignorant as to what Lloyds salespeople offer. Some of us have years of experience of it and can see if for exactly what it is!

Thirdly - the Lloyds salesperson who came on here has said nothing to contradict what was already being said on this thread. If you want to improve your financial sitaution with unbiased and objective advice - do yourself a favour - don't ask your bank to do the selling for you without having done some homework first.

As the OP's situation has proved - he was not sold a product that necessarily suits his needs. He wasn't given the facts on the card he was sold in terms of the 3% transaction fee. He's not had it confirmed that the 0% on purchases even works on foreign transactions - indeed - if he follows the advice given by the salesperson he spoke with in his branch, the option he has been sold would work out one of the most expensive ways of financing his trip.

Let's face it, if Lloyds were being 100% honest, they wouldn't call it an "account review", they'd call it a "product push", as that's all they are doing.

I've seen what misselling can do (including from Lloyds) - it can ruin lives. Lloyds are one of the worst too when all their wonderful misselling starts to backfire - then see whose side they are on.

The manager who commented on this thread is most probably not the sameones that have missold you or the OP. Just as there maybe be bad mangers out there there are also thos who genuinely need to help. By being rude to the one who posted in this thread it doesn't add value nor is helpful.

Past experiences maybe valuable but not when hindsight impeaches rational thought. I'm not siding with Lloyds just this individual who was seemingly subjucted to unwarranted abuse. Who knows, he may be in a position to offer help to members but might be not that way inclined now due to rude treatment. Everyone is an individual who, until THEY do wrong, deserve respect.

mrcow

Danstar wrote: »

The manager who commented on this thread is most probably not the sameones that have missold you or the OP. Just as there maybe be bad mangers out there there are also thos who genuinely need to help. By being rude to the one who posted in this thread it doesn't add value nor is helpful.

Past experiences maybe valuable but not when hindsight impeaches rational thought. I'm not siding with Lloyds just this individual who was seemingly subjucted to unwarranted abuse. Who knows, he may be in a position to offer help to members but might be not that way inclined now due to rude treatment. Everyone is an individual who, until THEY do wrong, deserve respect.

No one is being rude to anyone - were just stating opinions and advice.

You seem to have conveniently ignored every fact on this thread and jumped in with both feet into the wrong pool!

Before you start calling people ignorant again.....perhaps you would do well to stop and perhaps consider that some of us here have a lot more experience in these matters than you may think. And before you start dishing out the insults, perhaps you should also consider that perhaps some of us have a lot more financial and life experience than you do.

As I stated on your other thread, I think you need to go and have a rethink about your definitions of "abuse" and "rude" as they don't stand here.

Be nice please. And stick to the facts - are they not teaching you that at university?

Alpine_Star

mrcow wrote: »

Let's face it, if Lloyds were being 100% honest, they wouldn't call it an "account review", they'd call it a "product push", as that's all they are doing.

Indeed. This is a point that somehow seems to have been missed by some including the OP who went in under the guise of an ''account review'' and walks out with a credit card.

Any bank is not going to give you quality impartial advice. Least of all Lloyds who are responsible for one of the largest corporate losses in UK history. Why on earth people would value their financial advice is beyond me.

They don't make barge poles long enough.

Old_Wrinkly

As far as I saw it, mrcow was critical of past misselling by LTSB staff but was not directly rude to Smudge32.
A bit condescending, perhaps, as he gave Smudge32 the opportunity to condemn him/herself and LTSB.
But Smudge32 indicated that a customer wouldn't be advised in a LTSB 'financial review' of a better LTSB deal available online.
'nuff said?

opinions4u

If you go in to a Currys store, their staff will not point you in the direction of either:

a) Comet, if they know that their biggest competitior has a superior price or product or
b) Refer you to the Currys / Dixons / PC World web site if they know the same product can be bought cheaper online.


If you go in to Tesco, they never advise you to:

a) Go to Asda as it's probably cheaper or
b) Put your shopping back, go home, google "Tesco online money off voucher" and get £10 off your shopping that way.


If a bank branch rips you off, that's wrong.

If a bank branch makes you better off, or provides you with a product or service that does exactly what you want it to do, from the range of products that it has available, that is a healthy business transaction that suits both bank and customer.

People don't just buy from banks (or any business) on price alone. They buy on a mixture of emotions which may include convenience of branch, confidence in provider, face to face relationship and lots more.

Old_Wrinkly wrote: »

But Smudge32 indicated that a customer wouldn't be advised in a LTSB 'financial review' of a better LTSB deal available online.'nuff said?

Those who work in bank branches these days may be in a position to correct me on this, but I don't think FSA rules allow bank staff to advise on products that they can't sell.