Halifax have the worst customer service of all banks.

regularsaver1

for too many years

kenshaz

regularsaver1 wrote: »

not bad package in all

and there is bonus on cust service

i am a share holder too;)

I would like to pose a moral dilemma ,someones grey haired Daddy comes into to your branch with his life's savings,whilst you have a very good deal ,because you post on this site you know of a better one ,would you still persuade him to take your offer thereby meeting your branch target.

regularsaver1

don't have target for savings and if did it would only be on new money, not on moving in between

no advice given, his choice

and not my area anyhow

any thing I say will always be scrutinised anyway

Moonbeam

kenshaz wrote: »

I would like to pose a moral dilemma ,someones grey haired Daddy comes into to your branch with his life's savings,whilst you have a very good deal ,because you post on this site you know of a better one ,would you still persuade him to take your offer thereby meeting your branch target.

This isn't a moral dilema at all...I'm not qualified to offer other financial institutes products - only HBOS, so assuming they want to do business with HBOS I would find the best deal I could for them....

Customers have to do whole of market searches alone I'm afraid, but we don't gloss it over to suggest we offer anything else but HBOS products....so no moral problem at all:D

regularsaver1

But it would be their decision at the end of the day

no advice given either - more of an informed choice

Paul_Herring

kenshaz wrote: »

I would like to pose a moral dilemma ,someones grey haired Daddy comes into to your branch with his life's savings,whilst you have a very good deal ,because you post on this site you know of a better one ,would you still persuade him to take your offer thereby meeting your branch target.

What a loaded question. Akin to the "have you stopped beating your wife yet?" type.

kenshaz

Moonbeam wrote: »

This isn't a moral dilemma at all...I'm not qualified to offer other financial institutes products - only HOBS, so assuming they want to do business with HBOS I would find the best deal I could for them....

Customers have to do whole of market searches alone I'm afraid, but we don't gloss it over to suggest we offer anything else but HBOS products....so no moral problem at all:D

Ultimately it is not about HBOS or legislation,it is about individual moral standards.
Perhaps a warning which described the fact that the products available are limited and further investigation would be advisable.
Perhaps I am being a little unfair and it is perhaps unfair to expect institutions to fore go investments,but so many times I am in a bank and I hear staff selling low interest rate savings.Most on this site are informed,but banks depend upon the uninformed and complacent.

LittleVoice

I'm just wondering whether all Halifax staff have been put through intensive customer service training in the last couple of weeks. I've had occasion to visit my local branch twice this week (my instigation, no appointment) and been treated well!

It's a sad reflection that I've been surprised - and it could just be that the small number of people I've dealt with recently (not the same as those I've spoken with before) have been properly customer focused.

Mark7799

kenshaz wrote: »

Ultimately it is not about HBOS or legislation,it is about individual moral standards.
Perhaps a warning which described the fact that the products available are limited and further investigation would be advisable.

Are you suggesting that people would go into a branch of Halifax and expect to be advised about products available from ING or LloydsTSB?

Perhaps I am being a little unfair and it is perhaps unfair to expect institutions to fore go investments,but so many times I am in a bank and I hear staff selling low interest rate savings.Most on this site are informed,but banks depend upon the uninformed and complacent.

Surely it is incumbent upon all savers to take a little responsibility for their own actions or do their own research? The financial advisors I have spoken to have always said to me if they are advising on their own company products or market generally.

Moonbeam

kenshaz wrote: »

Ultimately it is not about HBOS or legislation,it is about individual moral standards.
Perhaps a warning which described the fact that the products available are limited and further investigation would be advisable.
Perhaps I am being a little unfair and it is perhaps unfair to expect institutions to fore go investments,but so many times I am in a bank and I hear staff selling low interest rate savings.Most on this site are informed,but banks depend upon the uninformed and complacent.

Perhaps!!!! If someone wants full independent advise then they use an IFA - It's not an individual moral statement for me to work for an employer and offer their products and services - what do you expect bank staff to do - hold several jobs with several financial institutions and move around as top products change....Barmy!!!! Do you expect to go into Tesco to buy groceries and be told that Asda have a special offer on a particular product and that you should go there instead?

People choose whom they bank with for different reasons - I have seen many customers in the past whose products I can improve upon, but who don't want to change because they like a particular element of their existing product. It's all about customer choice.....