Staff at Lloyd's forced my partner into a credit card it would seem

innovate

The title of this thread gives me the image of a bunch of green-clad warriors pointing guns at a blindfolded customer who has hands and feet strapped to a chair, and the greenest of the warriors shouting: for the very last time, if you want to leave this Branch alive: do you agree to take a credit card with a big limit?

You think that's a ridiculous image? So do I. Nobody is ever forced to take out a credit card. As far as I know, nobody has ever been stopped from just walking out of a Lloyds branch, either.

Bantex_2

Everynamestaken wrote: »

I understand the pressures some do feel, and I can't speak for everyone who works for the banks, but I had presumed most had a duty of care and did what was right by the customer, and certainly didn"t just 'flog' anything and everything to gain some extra points.

You keep banging on about how she was forced to take to card. It was free, so what is the problem?

bengal-stripe

Everynamestaken wrote: »

My partner went into Lloyds bank around 6/7 months ago to sort out her online banking. She has only just told me recently though that the lady kept banging on about an extra card.

Well, your GF kept the fact that she had been issued with a card as a secret from you for some six months or so.

Hopefully she has made good use of the card during that time.

BillJones

grumbler wrote: »

Do you not see the difference between making "Making "£139 per active account" and making "£139 from each account"?

The original incorrect statement was that allegedly big profits were made by using money from current accounts for mortgages and lending to businises.

Yes, quite.

Even on the "from" bit, it's also most definitely not the case that it is spread evenly. You've fools like me paying £20 per month for some "extras" on one side, and fools who keep blowing through their overdraft limits on the other, and between us we'll make up the lion's share of the profits. Your average user with a low but positive balance will be paying pretty much zero for all of the services that the banks give.

BillJones

Everynamestaken wrote: »

I understand the pressures some do feel, and I can't speak for everyone who works for the banks, but I had presumed most had a duty of care

Where does this infantilised view of the man in the street come from? Why do people assume that someone else develops a "duty of care" to them?

Bank staff have all maner of legal and ethical responsibilities, and we all hope that they act with the best of intentions, but to assume that they are acting any different from the bloke at Kwik-Fit when they deal with you makes no sense.

Have we, as a society, completely given up on the idea of personal responsibility nowadays? Is someone else always to blame for everything that we do?

opinions4u

BillJones wrote: »

Have we, as a society, completely given up on the idea of personal responsibility nowadays? Is someone else always to blame for everything that we do?

Yes. Yes we have.

dzug1

BillJones wrote: »

Have we, as a society, completely given up on the idea of personal responsibility nowadays?

If 'personal responsibility' is all there is then there is no such thing as society.

CAN1976

Lokolo wrote: »

Shes not forced to do anything.

The bank needs to make a profit, one way of doing that is through sales. How do you think banks still run without charging for current accounts??

by leveraging deposits to make a profit at a higher rate than interest paid?

BillJones

dzug1 wrote: »

If 'personal responsibility' is all there is then there is no such thing as society.

What a weird post. Calling for some personal responsibility in no way suggests wishing that it was the only thing that exists.

Everynamestaken

BillJones wrote: »

Where does this infantilised view of the man in the street come from? Why do people assume that someone else develops a "duty of care" to them?

Bank staff have all maner of legal and ethical responsibilities, and we all hope that they act with the best of intentions, but to assume that they are acting any different from the bloke at Kwik-Fit when they deal with you makes no sense.

Have we, as a society, completely given up on the idea of personal responsibility nowadays? Is someone else always to blame for everything that we do?

oh I am from like that, and I do work for a bank so I know of the responsibilities, and certainly won't bad mouth the entire practice.

That is probably why I find it astounding that somebody can lie and push people into products that they do not want.

A lot of people that come into the branches are ones who do not do internet banking and are not finically savvy as the majority on here, so I do feel a sense of care towards everyone (but I guess that's just the way I am).

Oh and my sales figures are very good, but I just don't pressure people into products and don't tell a customer it's not a credit card when it indeed is.

Thanks for all the responses anyway, I have indeed enjoyed reading the thread