Contacting Building Societies and Banks for trivial matters at this time

veryintrigued

Post after post on here where members are contacting institutions for absolutely trivial questions.

They (and those who are genuinely struggling with mortgages, lack of income etc) must be pulling their hair out - especially when I've seen so many institutions plead not to bother them if not important.

Again - it's the bubble that exists in this part of the forum.

Wheres_My_Cashback

Trivial to you is not trivial to others. Maybe those people who are contacting ref savings accounts are doing so because they have their own concerns.

Don't be too quick to judge ;-)

veryintrigued

Maybe am part of the problem!
Opening accounts!

Alexland

Nationwide haven't helped themselves by cutting rates so dramatically. They were even brutal on ISAs which have a more intense transfer out process.

Superscrooge

Lloyds Bank seem to be part of the problem.  They insist you phone them to close a credit card account  

grumiofoundation

I agree with you up to a point however if the banks etc are not in a position to deal with these concerns they would be stopping new applications wherever possible, therefore is it not fair to assume they still want our business?

colsten

Mickey666 said:

But there's no real need to close a CC account is there?  Pay off the balance and cut up the card - job done.

It helps your credit worthiness if you reduce the amount you [potentially] owe

surreysaver

I always contact them by email or secure message when possible. That way they can respond at their leisure. Or ask others on here if they've had similar issues in order to seek information, but that seems to draw criticism from others.
At the end of the day, a minor issue now becomes a complaint or major issue later on that could have been sorted out easily and quickly if brought to the attention of the organisation at the beginning. 

veryintrigued

I don't expect/hanker to get many likes/thanks on this subject in here - I mean why would it (when posted on this part of the forum).

Maybe, just maybe food for thought for some though.....

Stay safe.

Alexland

veryintrigued said:

I don't expect/hanker to get many likes/thanks on this subject in here

I am more interested in who is giving thanks than the volume. It's nice when an OP gives thanks as it confirms they returned to see your reply and seems more likely you helped them in some way. Also with the regulars, seeing what views they align to helps better understand their perspectives, which is interesting even if it differs from your own. Sometimes I am surprised with the statements that regulars agree with and it makes you think a bit deeper.

surreysaver

Alexland said:

veryintrigued said:

I don't expect/hanker to get many likes/thanks on this subject in here

I am more interested in who is giving thanks than the volume. It's nice when an OP gives thanks as it confirms they returned to see your reply and seems more likely you helped them in some way. Also with the regulars, seeing what views they align to helps better understand their perspectives, which is interesting even if it differs from your own. Sometimes I am surprised with the statements that regulars agree with and it makes you think a bit deeper.

On my mobile device I seem unable to see who has actually given thanks to any particular post