Loan charge can I do anything about it?

pvt

a4a wrote: »

Maybe, but as they say in life 'you get what you pay for'.

Cheap often ends up costing a lot more!

There are premium accounts available from a number of banks, Barclays I know to be one, where you pay a not-insignificant fee to enjoy the privilege of a more personal service. So that kind of service is still available if you're willing to pay.

The problem is most people aren't, but then still expect that level of personal contact for free.

It's just the same as gas stations in the US where you can still pay an extra 10 cents per gallon for 'full service' and have a guy in overalls stick the nozzle in your tank and pull the trigger for you.

a4a

pvt wrote: »

There are premium accounts available from a number of banks, Barclays I know to be one, where you pay a not-insignificant fee to enjoy the privilege of a more personal service. So that kind of service is still available if you're willing to pay.

The problem is most people aren't, but then still expect that level of personal contact for free.

It's just the same as gas stations in the US where you can still pay an extra 10 cents per gallon for 'full service' and have a guy in overalls stick the nozzle in your tank and pull the trigger for you.

I like that idea, i.e. pay 10cents more = get the extra service. However, I don't think 'bank managers', will do anywhere near as much as they did previously.

Sure, they may speak to you on the phone and pretend they care (and maybe they really do), but their hands are tied by people who have created systems who don't actually deal with the customers nor who look outside the box.

Can you imagine your bank manager ringing up Clydesdale council and trying to resolve the problem the OP refers to? It just isn't going to happen.

gycraig_2

I work in a Phone shop and we have the same problems, people want to pay very very little for everything but expect spot on service when things go wrong, if you want the best service pay for it and you will receive it, it's better this way as most people save money as they don't need the customer service

gycraig_2

a4a wrote: »

I like that idea, i.e. pay 10cents more = get the extra service. However, I don't think 'bank managers', will do anywhere near as much as they did previously.

Sure, they may speak to you on the phone and pretend they care (and maybe they really do), but their hands are tied by people who have created systems who don't actually deal with the customers nor who look outside the box.

Can you imagine your bank manager ringing up Clydesdale council and trying to resolve the problem the OP refers to? It just isn't going to happen.

I'd imagine he has a list as long as his arm of complaints and other issues so doesn't have time to ring Clydesdale council about a problem his company have had nothing to do with

BillJones

a4a wrote: »

I like that idea, i.e. pay 10cents more = get the extra service. However, I don't think 'bank managers', will do anywhere near as much as they did previously.

Yes, you keep writing this, seemingly willfully ignoring posters who tell you otherwise.

Accounts do now exist with the bare minimum of access to a manager, much like airlines now exist where you don't get assigned seating or a meal on board, but that doesn't mean that someone who chooses to fly Easyjet should assume that all airlines are following the same model.

Pigmyhippo

pvt wrote: »

when you would have paid far more in real terms than we do for the highly automated banking today.



So is this a company where the 'agents' don't get paid? There is, by your own definition, work incurred by this company, that will one way or another involve a paid employee having to deal with the matter. Indeed, in handling your call, they already have. To be honest, a £12 fee doesn't sound outrageous. I feel you should direct your ire towards your wife's employer.

No, the 'agents' do get paid. I was charged £1.50 to pay by debit card, which was the fee for handling the call. The £12 fee was simply automatically generated by the computer without any input from any of the agents. Indeed, I received an automated letter today stating that my direct debit had been cancelled, and that I would have a fee to pay. This letter was generated automatically 2 days after the date I actually paid the amount due and the charge.

As I have said, I have paid the fee, and I will use this experience as a learning tool for the future. Thanks again for all your advice, much appreciated.

chuckl1es

BillJones wrote: »

Yes, you keep writing this, seemingly willfully ignoring posters who tell you otherwise.

Where ? Can you quote him on this?

You seem to just want to cause an argument !

chuckl1es

[QUOTE=BillJones;65448210
Accounts do now exist with the bare minimum of access to a manager, much like airlines now exist where you don't get assigned seating or a meal on board, but that doesn't mean that someone who chooses to fly Easyjet should assume that all airlines are following the same model.[/QUOTE]

What comparison are banks to airlines?

chuckl1es

BillJones wrote: »

Yes, you keep writing this, seemingly willfully ignoring posters who tell you otherwise.

Accounts do now exist with the bare minimum of access to a manager, much like airlines now exist where you don't get assigned seating or a meal on board, but that doesn't mean that someone who chooses to fly Easyjet should assume that all airlines are following the same model.

In fact, this is just a clear example of where someone just wants to cause an argument for the sake of it.

This shouldn't be allowed and is a clearly a troll being a troll.....what is the point? It serves no purpose whatsoever.

chuckl1es

gycraig wrote: »

I'd imagine he has a list as long as his arm of complaints and other issues so doesn't have time to ring Clydesdale council about a problem his company have had nothing to do with

Exactly, "a list as long as his arm of complaints", because banks are banks and a total waste of time.

If they dealt with problems 'hands on', like they used to they wouldn't have a 'list of complaints'.