Banks with cashiers, not sales staff

ChiefGrasscutter

pmduk wrote: »

The problems arises as far as I'm concerned when I explain I've considered a product and decided it's not for me. If they begin to explain all the benefits and I have to go through my reasons why it isn't suitable for me, I consider that to be unacceptable and difficult to avoid without being rude. Once you've said thank you but I'm not interested and they answer why, they've over-stepped the mark imho.

I think they call it "know your customer". They are trying to eke out some little extra detail more than they already know about your finances...and by getting you to explain why, you'll let slip some more info.
It's a sort of interrogation technique.
Pushy Sales people use it as they rely on their target not being rude back to them due to social norms.
Inland Revenue use it by inviting you to attend "discussion" about your seriously dodgy finances - just to clear up some details you understand......................
The police do it as well......which is how people end up with "cautions" on their criminal record - due to being "helpful" - which is why any lawyer will always advise you to say nothing whatsoever under any circumstances.
You remember the old army motto... "Never volunteer".

pmduk

A Barclays employee suggested once it would be a good idea to take a second household contents policy so that I could claim double the amount if ever I had a claim. They must have different laws in India, because it would be considered fraud in the UK.

chambta

smartiedriver wrote: »

You should complain about this - using DDs as a markting tool is strictly forbidden in financial services.

In all circumstances?

gallygirl

Not much help to those looking for a different account in this country but my bank in Spain rocks. Security wise you need to get buzzed in, but once inside, what a difference! Staff dressed in casual clothes, open desks with no screens, helpful advice but absolutely NO pressure. What a difference, and what a pleasure

Shame they'll probably be next to go bust, but you can't have everything :cool:

smartiedriver_2

opinions4u wrote: »

Can you provide a link to confirm this?

I don't know of a link - it's something we are told almost daily! Breach of data protection.

smartiedriver_2

chambta wrote: »

In all circumstances?

Yep!

Although bear in mind reviewing your DDs with you, during a review of your finances, is not 'marketing' and is legitimate.

opinions4u

smartiedriver wrote: »

I don't know of a link - it's something we are told almost daily! Breach of data protection.

How does it breach DPA?

pmduk

ChiefGrasscutter wrote: »

I think they call it "know your customer". They are trying to eke out some little extra detail more than they already know about your finances...and by getting you to explain why, you'll let slip some more info.
It's a sort of interrogation technique.
Pushy Sales people use it as they rely on their target not being rude back to them due to social norms.
Inland Revenue use it by inviting you to attend "discussion" about your seriously dodgy finances - just to clear up some details you understand......................
The police do it as well......which is how people end up with "cautions" on their criminal record - due to being "helpful" - which is why any lawyer will always advise you to say nothing whatsoever under any circumstances.
You remember the old army motto... "Never volunteer".

It's a common sales technique, once they know your objection they can overcome that objection and theoretically be nearer the sale. It'll never work with me, I research most buying decisions and never buy on the say-so of a salesman, even if they masquerade a banker.

Martin's recent blogpost about overseas restaurants is just as relevant to banking.

chambta

opinions4u wrote: »

How does it breach DPA?

It's a grey area I suspect. The truth is it happens of course and I've never had a customer bat an eyelid about it.

[Deleted User]

Loanranger wrote: »

Posting a first class letter, Jackster. Try doing that anywhere else except the PO.

Buy the stamps in Tescos, stick them in a letterbox