Banks

[Paulie Dangerously]

Really do make everything difficult.

 

I today arranged to take a loan out to pay off my credit card and close the card account. It took 30 minutes which I can understand as it requires detailed information, credit history details etc so that didn't really bother me but after all the palaver and everything was confirmed she told me that I would have to go into a branch and sign some paperwork. It would've been ideal to mention this at the start of the process but hey-ho that's fine.

 

My local branch however is not open on saturdays. In fact it is rather inconveniently open from 9:30 until 16:30 monday-friday when the majority of people are in work. "No bother" I think, I am popping into town anyway so I can go the big one there.

 

"I'm sorry Mr Dangerously but you need an appointment"

"Can I book one?"

"No I'm afraid not, I can book you one for monday?"

"But I'm in work"

"How about on your lunch?"

"My lunch is half an hour, how long will the appointment take?"

"About 20 minutes"

"Ok, can you book me one for Monday, around lunch time?"

*placed on hold for 12 minutes*

"I'm very sorry Mr Dangerously but I can't get through to the branch you need to speak to at the moment, you could always chance it and drop in?"

"I thought you said I needed an appointment?"

"Um, well yeah you do but sometimes they'll let you if they're not busy"

"Right, so can I pop in today then?"

"Erm yeah...yeah you could do that"

"Right..."

"Is there anything else I can help you with?"

"*resist temptation to make sarcastic remark* No thank you"

 

Bloody effort. Know it's not specifically the girls fault and know that internet banking is cheaper to run then actual branches but when you struggle to go and speak to someone face to face in the bank there's a problem somewhere.

 

/rant thanks for listening.

[md1892]

You'd think they'd be keener to service your needs, seeing as they are about to make some more money off you. Its fucking frustrating dealing call centres as you know it aint the individuals fault at the the end. That said they are representing the showers of shite

[Pidge]

Get down to St Pauls.

[VladimirIlyich]

Get down to St Pauls.

 

What has getting your cataracts fixed got to do with anything?;)

[Uncle_Meat]

My bank keep inviting me in to enhance my overdraught, raise the limit upon my credit card and offer me loans, basically falling over themselves to give me borrowed money. "But Sir, you can use the money to buy a new car, or go on holiday. Please have some money.."

 

It's like the recession never happened in my bank, the lendy-outey fucknuts.

[md1892]

My bank keep inviting me in to enhance my overdraught, raise the limit upon my credit card and offer me loans, basically falling over themselves to give me borrowed money. "But Sir, you can use the money to buy a new car, or go on holiday. Please have some money.."

 

It's like the recession never happened in my bank, the lendy-outey fucknuts.

 

When you want to do it, they tell you to get fucked !

[Rush 346]

Who do you bank with PD? Tell them to post the t & c's out for you to sign.

[DJLJ]

I have a credit card from work with one of the 2 big Irish banks. I went in to pay the 30 euro (I think it is?) government charge on it. I don't have any other things to do with this bank, mainly because they are total fuckwits that the government had to bail out with god knows how many billions, just because they are fuckwits, but I digress. So I come up to the counter to pay this surcharge on the credit card and is informed I have to go outside to withdraw money to be able to pay the surcharge, because you can only withdraw money in the bank, from their own cards. You cannot pay with a creditcard or a laser card or a visa debit card from a different bank. Stupid fucking cunts. Banks and ALL their employees are morons and cunts.

 

Sorry to highjack your thread Paulie, I just simply cannot stand any of these morons. Stupid people.

[Paulie Dangerously]

Well after all that it was a relatively easy transaction. I went to the big one in town, spoke to a fella and was out sorted in 10 minutes. Just shows how easy Face-to-Face communication is compared to trying to sort everything out over the internet or the phone.

 

I was telling the guy all the hassle I'd had and he just laughed. This fella was in his 50s and I had the impression he'd worked in the banking sector for a while, he was saying how much shit they get after misinformation being given out by the call centre

[Duncan Clench]

I got a letter from Santander saying that my account was overdrawn and I owed £10.50. Now I haven't used this account for about 5 years so I thought it was odd but that perhaps there was a small balance in the red. I tried to go online to look but you need your card number to access their online service and I don't have a card because I haven't used the account for so long. Tried to call but you literally can't get through to anyone without entering your card number.

 

So I figured I'd just send the £10.50. Did that, and next month I was told I'm £7.50 in debit. This time I went down there.

 

Turns out the reason I got these letters is because I was 50p overdrawn and they've changed their policy on authorised OD's, now charging 50p per day.

 

Long story short... it cost me £25 to close an account that was 50p overdrawn... and then they offered me a credit card.

 

Absolute first class cunts.

[Reacher]

Off to Barclays bank now to rip them a new arsehole.

The company I work for has been taken over a while back and I got TUPE'd over. They need a recent bank statement with my address in it but I've paperless banking. Went in two weeks ago to order one and went the machine for good measure. Neither have turned up and m boss Isn't going to be happy when I'm in at 10.

[rubble-rouser]

I finally got to the end of a 10-year, low-interest professional studies loan from HSBC a couple of momnths ago. I only noticed when I was called by the bank to say I had gone over my OD limit on the HSBC account from which the funds were gathered. When I went in to transfer some money I noticed that the transaction putting me over the limit was payment of the last instalment of the loan. There had been £50 outstanding on the loan and they had debited £150 (the ordinary loan amount). The loan account had then rejected that payment as it was more than the outstanding amount.

 

The upshot was spending over an hour at lunch time tryingto sort this out. Teh counter in HSBC is now so tiny that teh queue is massive and once I was tehre I was told they coudln't help me. I went to speak to one of the 'assistants' on the floor who looked at me blankly and asked me to wait to speak to a specialist advoser - without telling me taht all the advisers were on lunch =- when the relevant advioser got back someone who had just arived was given an appointment to see them and I was told to come back half an hour later.

 

All that to cancel a direct debit and pay off the last instalment of a loan. Fucking pricks.

[Harry Squatter]

nat west in castle street are useless. They only have 2 people on every lunch hr, so their brainwave to solve a massive queue was to put in a ticket system. Ther are no extra advisors, just a new argos style wait your turn system. Needed to discuss a mortgage but they 'double booked' me with another client twice, the second time they had no other advisors. When i finally got to see an advisor they just phoned the mortgage call centre and did the entire application via speakerphone. There was no need whatsoever for me to make an appointment because i could have phoned them myself. This is a bank who have won awards for customer service too.

[Liverpool lad]

I am with LloydsTSB and I get a letter every month explaining how they are changing some or other with my account that will end up costing me money. I cannot wait to fuck this lot off

[Paulie Dangerously]

Belter. Just went to lob a fiver in my labrokes account to put a bet on for tomorrow and my card has expired and I haven't been sent a new one. Luckily for my convenience the call centre opens at 8am when I assume it will take 5-7 days to get my card to me, then a futher 24 hours to activate it. I'm on holiday next friday and could do with buying things and getting euros and the likes.

 

I know I should sporadically check when my cards expire but you expect to be notified don't you? I log into my online banking frequently and haven't even had a message from them confirming anything.

 

twats

[Phoenix]

Do you bank with Santander? because they are truly shite

[Uncle_Meat]

Belter. Just went to lob a fiver in my labrokes account to put a bet on for tomorrow and my card has expired and I haven't been sent a new one. Luckily for my convenience the call centre opens at 8am when I assume it will take 5-7 days to get my card to me, then a futher 24 hours to activate it. I'm on holiday next friday and could do with buying things and getting euros and the likes.

 

I know I should sporadically check when my cards expire but you expect to be notified don't you? I log into my online banking frequently and haven't even had a message from them confirming anything.

 

twats

 

 

A similar thing happened to my Mam, she's with LloydsTSB and never uses her card, does not understand them kind of thing, so her card gets used about once a year.

 

Anyway, I was up visiting the other week, we went out shopping and she wanted to get some things on her card. Tries it, gets rejected, I have a look and the card had expired 2 months ago.

 

No notification that it's about to expire, no replacement card sent out, nothing, just my mam feeling all rather embarrassed as her card was knocked back at the shop. LloydsTSB = Cockwombles.

 

Natwest notifiy me about 4 months in advance and send out a replacement about 2 months before expiry.

[Ginny]

My bank keep inviting me in to enhance my overdraught, raise the limit upon my credit card and offer me loans, basically falling over themselves to give me borrowed money. "But Sir, you can use the money to buy a new car, or go on holiday. Please have some money.."

 

It's like the recession never happened in my bank, the lendy-outey fucknuts.

 

its not borrowed money. they create the money out of thin air then charge you interest on it. that is how money is made. its brought into existence by the borrower signing a piece of paper and promising to pay back.

 

So basically they create something that dosent exist, type the number into your account that don't exist, then charge you interest out of thin air, which again doesn't exist.

 

People moan about banks but still allow them to create money by taking out loans and credit cards. That is how they create money.

 

They way to hit the banks is to not borrow. Stop buying into the lie they,ve sold that you need more 'stuff' like a new couch and some Ikea furniture and need this credit card to pay for it.

[Uncle_Meat]

Eyup, and when that bubble bursts there's going to be a shitload of fallout.

 

I'm quite the mingebag when it comes to money so I've been OK so far. Always been brought up with the "If you can't afford it, do without or save until you can." ethos.

 

Never had a loan, never bought owt on HP, no mortgage and so on. The credit card is more of a safety net, with me being self employed it's a bit of a necessary evil sometimes just to cover my arse if I'm waiting on payments or to cover those essentials that I may not have the immediate money for at the time.

 

I've used it once this year. Stitch that, you wunch of bankers.

[Ginny]

Eyup, and when that bubble bursts there's going to be a shitload of fallout.

 

I'm quite the mingebag when it comes to money so I've been OK so far. Always been brought up with the "If you can't afford it, do without or save until you can." ethos.

 

Never had a loan, never bought owt on HP, no mortgage and so on. The credit card is more of a safety net, with me being self employed it's a bit of a necessary evil sometimes just to cover my arse if I'm waiting on payments or to cover those essentials that I may not have the immediate money for at the time.

 

I've used it once this year. Stitch that, you wunch of bankers.

 

Thats the problem in this day and age. If you're not debted up to the eyes and havent got all the mod cons that are pumped into your living room everyday through TV adverts then you're seen as a 'mingebag'.

 

Until our species starts to appreciate themselves and life for what it is, rather than need more 'stuff' and credit to pay for it then the banks and bankers will always be in charge and we will always be slaves.

 

People should live within their means and be happy. I fuckin hate getting loans or getting credit cards for this exact reason. I paid the only credit card off that I had and have never had another one. I owe the bank fuck all and I even hate keeping my wages in there but will take the hit until i can think of a better way.

 

Credit cards are a saftey net for people. I understand that. Its just when people dont pay them back then get another one to pay that off then all kinds of new money is created that will never be paid back but interest will be charged on it.

 

Think of it this way. If every person in this country paid back all the money they owe, there still wouldnt be enough money because of interest created out of thin air.

 

Tell your kids about this. They should teach this in schools but don't. They whole system is rigged.

[Pony Princess]

Psssst. Did you know if you abandon an unsecured loan or credit card, you can't go to jail for it - all they can do is kill your credit rating for 7 years and ask collectors to try and get it via letters and phone calls.

 

Pass it on.

 

When I hear about people like £30,000+ in debt and will never be able pay it back, I'd just abandon it. Fuck a credit report. Life is too short.

[Liverpool lad]

Me and Magic Sponge drink with some bad victims of easy credit.

 

One lad thinks it is fun to call anyone not indebted up to their eyeballs a tightarse, he can't afford to run his car and has been to his dad twice to be bailed out for big fuck off loans. He spent years slagging people off whilst running up debts for nights out and holidays, it is now coming back to buy him in the arse as he is perpetually skint.

 

Another lad has been bailed out by his mother to the tune of a deposit on a house. It is quite funny hearing them talk about spending 60% of their wage repaying loans for shit like holidays and cars, or not going on holiday this year. Especially when they would refer to you as a tightarse in years gone by.

 

Another lad we know is doing that well or so he tells us that he has a Money Shop card, fucking weapon.

 

Not that I enjoy seeing people on their arse, I just find it amusing that people bought into this cheap and easy credit culture. They always thought they knew better than others.

 

I have about 120 quid on a credit card, few hundred quid overdraft then a loan for car insurance. This will be killed off soon enough, I just had to stretch recently to get motoring and on the road. By October I will be just paying my car insurance loan which is less of a debt, more a running cost. I was always brought up to believe that you live within your means and that is why the LL mobile is nothing flash as my wage isn't. The LL mobile is paid for outright though and I will still be doing aways/eating out/having a weekend away/gigs whilst balancing my finances over the next 60-70 days.

 

If me and Mrs LL decide to move in, I am not hiding a 10-20 grand debt that she doesn't know about whilst pretending to save for a deposit.

[Ginny]

Psssst. Did you know if you abandon an unsecured loan or credit card, you can't go to jail for it - all they can do is kill your credit rating for 7 years and ask collectors to try and get it via letters and phone calls.

 

Pass it on.

 

When I hear about people like £30,000+ in debt and will never be able pay it back, I'd just abandon it. Fuck a credit report. Life is too short.

 

Noooo please dont pass that on. Pass this on instead please

 

But even though you are defaulting on your debt, by the very fact that you have borrowed money in the first place has allowed the Bank to create money money from thin air and get it into circulation which puts the country as a whole in more debt. You are not winning by defaulting on your debt for as you say £30,000 with the 'fuck them' attitude.

 

You have allowed them to create more debt and and money to borrow out to other people. And due to Fractional Reserve Banking, they are allowed to bring 9 times more money than originally borrowed into existence. So you have in fact given them more power.

 

Go and look into Fractional Reserve Banking and how money is created.

 

People need to wake up to what is actually happening here. Understand how money is made from thin air, charged at interest and brought into existence. Then go and tell as many people as you can about it. Then tell them to tell as many people as they can.

 

As John Kenneth Galbraith said : The process by which banks create money is so simple that the mind is repelled.

[lifetime fan]

Bank with the Co-op, have for years now and can't speak highly enough off them.

 

I get a 'free' £300 overdraft although I don't usually use it. A couple of months back I get a call from the bank to say I had gone over the overdraft limit, this was unusual behaviour on my account and would I like them to temporarily up the over draft by fifty quid to avoid any charges.

[Paulie Dangerously]

They apparently sent it in June but obviously it didn't arrive. I went in and explained and they did me an "emergency withdrawal" as the kiosks had finished for the day. Took about 30 minutes like but it's sorted now.