Mum went for a new cheque book, came out with a credit card!

mikey72

Had exactly the same experience with Lloyds/TSB recently as well.

gabriel77

I used to work for a high street bank, its all about the hard sell, they dont care, who you are, your age, its all manipulative, greedy and unpleasant. I came out of banking purely because of the way the account holders You are treated daily, and its there money & savings. I'd close the account and go elsewhere.

unholyangel

lindos90 wrote: »

Mum gets home to find the credit card on her door mat...she tells me she would like to 'shove it where the sun doesnt shine' apparently!

So I'll pass her the sherry, and cut the damn thing up before she returns to the bank with her 'proposal':eek:.

Is that to make it easier for her to follow through with her "proposal"? :rotfl:

nzmegs

Take it to the ombudsman. Funnily enough, Lloyd TSB was recently found to have the highest level of customer complaints with the financial services ombudsman - 50% higher than any other financial services company.

glider3560

nzmegs wrote: »

Take it to the ombudsman. Funnily enough, Lloyd TSB was recently found to have the highest level of customer complaints with the financial services ombudsman - 50% higher than any other financial services company.

Although they also have the highest number of customers - so you would expect them to have the highest number of complaints.

lindos90

Just an update to this thread from last november..after nine months she has been sent a statement for this credit card (the card that we were told had been cancelled!) Obviously the balance is £0 as the card was cut up months ago, but its annoying that it wasnt cancelled!)

Called the branch, they confirm it is active and have no explanation as to why after all this time she has received a statement.

The CS lady offered to send her a bunch of flowers or chocs, which i politely declined on my mums behalf (It was a nice gesture, but I said it would be cheeky to expect that really, as my mum has not 'lost' anything, I dont agree with this 'compensation culture' stuff when its not warranted.) The CS lady promised to look into it and defiantly cancel the CC, and I'll buy my mum a bunch of flowers myself!:)

Flyboy152

lindos90 wrote: »

Thanks Ive called the branch, they said that they would not hve been able to make a credit card application without my mum being told what was happening, but as there was just him and my mum in the room, its her word against his. I was told that the credit card application can not be cancelled, but once it arrives, my mum does not have to use the card. Shes now worried that having an unused credit card account could mean she will get charged (which was the reason she canelled her old one years ago). The branch said he probably opened it for her because they are phasing out cheque books, and a credit card is a good alternative to cheques!

They dont get the point, she didnt ask for it, he didnt tell her thats what she was signing for!

Complete bull poo.

Tangible

Staff receive points for peddling products and it's this process that leads to staff pressuring customers into taking things they don't want, and it's absolute tosh for management to attempt to absolve themselves of blame.

Before retirement I worked for a man UK bank so I'm not making this up, though luckily I worked mainly in the back office, but I used to see what went on and it was unfair on staff and customers. My mother got caught in a much worse situation with another bank, who I took to the FOS and with my knowledge I was able to spit roast them.

Do banks really believe it's good business practice ?

Come to think of it, she's also been caught in the credit card trap too, more than once. I've told her that whenever she's asked to go into an office at the bank she should call me as a matter of urgency. She's not daft, but very trusting.

Is this what banks have come to ?

somethingcorporate

Tangible wrote: »

Staff receive points for peddling products and it's this process that leads to staff pressuring customers into taking things they don't want, and it's absolute tosh for management to attempt to absolve themselves of blame.

Before retirement I worked for a man UK bank so I'm not making this up, though luckily I worked mainly in the back office, but I used to see what went on and it was unfair on staff and customers. My mother got caught in a much worse situation with another bank, who I took to the FOS and with my knowledge I was able to spit roast them.

Do banks really believe it's good business practice ?

Come to think of it, she's also been caught in the credit card trap too, more than once. I've told her that whenever she's asked to go into an office at the bank she should call me as a matter of urgency. She's not daft, but very trusting.

Is this what banks have come to ?

The same thing charities have (e.g. chugging). It's an easy way to do business and the problem is if people didn't fall for it then they wouldn't do it! I guess it must be effective and for the odd few that carry through with their complaints there are probably dozens of people that don't!

lindos90

Flyboy152 wrote: »

Complete bull poo.

Thats what I thought at the time, but then when they said it HAD been cancelled, we believed them, but now we find it wasnt!