Rudeness

ses6jwg

They're doing their job?

Mrs_Money

ses6jwg wrote: »

They're doing their job?

Or their interpretation of it?

opinions4u

Mrs_Money wrote: »

Exactly! The OP says they "needed my money out of one account to put in another in the same buildo (Halifax)".
The money was theirs anyway - not quite the same as stopping fraud or money laundering. I too, would have refused to answer.
Although, to be fair, it probably wasn't exactly rudeness (although we weren't there so we don't know what their attitude was only what they said) - but it could have just been idiot staff going through the motions of some staff directive they don't actually understand!

As I posted above, you'll be amazed how many frauds go through more than one account in the victim's name.

This isn't the place for me to go in to any more detail, but there are good reasons for the questioning.

pinkdalek

Mrs_Money wrote: »

Exactly! The OP says they "needed my money out of one account to put in another in the same buildo (Halifax)".
The money was theirs anyway - not quite the same as stopping fraud or money laundering. I too, would have refused to answer.
Although, to be fair, it probably wasn't exactly rudeness (although we weren't there so we don't know what their attitude was only what they said) - but it could have just been idiot staff going through the motions of some staff directive they don't actually understand!

So what if a genuine fraudster was say for example attempting to transfer monies from a savings account to a current account. Fraudster is fully aware a savings account cannot do much compared to a fully loaded current account with cheque book, debit card and faster payment facilities.

It is amazing how these people would still be the first to complain had someone transferred monies between two accounts fraudulently, subsequently lost a substantial amount of money and then moaned that the bank did not ask additional security questions or for ID!

MoneySaverLog

erm... it is like my money and I will do what I like with it.

Fine if they want to check ID but when they ask what you are going to be doing with the money I feel that is none of their business.

pinkdalek

MoneySaverLog wrote: »

erm... it is like my money and I will do what I like with it.

Fine if they want to check ID but when they ask what you are going to be doing with the money I feel that is none of their business.

It may be YOUR money but you choose to put it with a company and it is VERY MUCH THEIR business what you are doing with it.

They have an obligation under Money Laundering Regulations. The more awkward you are with them the more suspicious they will be.

Seems to me it is not the bank clerk who is being rude.........

Lokolo

MoneySaverLog wrote: »

erm... it is like my money and I will do what I like with it.

Fine if they want to check ID but when they ask what you are going to be doing with the money I feel that is none of their business.

And you don't have to respond, but they have to ask under Money Laundering Rules.

You really think an employee is going to risk their job just because some people think they're being rude?

MoneySaverLog

I did not want it to come across like that sorry. It's just that in my view they have no right to know why I'm moving my accounts / drawing large amounts out.

Hasty1991

Hm.

I think you're being overly defensive about the issue. You made the choice to put your money in the Halifax - by doing so you've agreed to abide by their terms and conditions etc, etc. You chose to enter into some sort of relationship with them, they have obligations and duties to protect your money and your accounts.

When they ask what it's for it could be for a whole host of reasons - they could be suspicious of the transaction, to meet anti money laundering regulations, sales targets. Most of the time they'll be asking to protect your account, and if not it may just be the cashier trying to have a conversation with you?! If you have such an issue with them asking, go elsewhere - although I think you'll have a hard time finding an organisation who has no interest in protecting your account.

Just answer the question, why on earth wouldn't you?

ses6jwg

Their job as a cashier is 3 fold.

1) To service customers and process your transactions, pay money, pay cheques in, pay cash out, handle enquiries and deal with simple problems. To do this in a swift and effective manner without errors.

2) To safe guard the company and its depositors using Anti money laundering and anti fraud techniques i.e. checking cheques to make sure they are correct, checking for fake notes and coinage, ensuring identification is correct and valid.

3) To offer you additional products such as savings accounts, insurances and current account upgrades.

I suspect they asked you for a combination of all of these reasons.

If you don't like the way they do it, take your money out and walk down the road and pay it in somewhere else. You chose to deposit your money with Halifax, they pay you interest and in return you are expected to abide by their T&Cs and processes. If you don't like those T&Cs and processes, you are free to take "YOUR" money and deposit it under your mattress where it will I'm sure earn lots of interest and be very secure.

If you want to get arsey at a cashier on £7.50 an hour for doing their job then you do that. It seems to me you are being overly defensive when the staff have not been rude but simply asked a perfectly legitimate and reasonable question.