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Author Topic: Prose from a Poshboy  (Read 2543850 times)
titaniumbean
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« Reply #18525 on: September 01, 2015, 11:28:52 PM »

Yeah my Natwest account was a premium account; cost like £15 a month or something. I thought it might help the account get kept open, but obviously it didn't.

I've finally calmed down now.

Call
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SuuPRlim
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« Reply #18526 on: September 02, 2015, 01:15:27 AM »

You do seem calm Stu :-)
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tikay
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« Reply #18527 on: September 02, 2015, 08:48:26 AM »



Prose from a Poshboy - proudly sponsored by......


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All details of the 2016 Vegas Staking Adventure can be found via this link - http://bit.ly/1pdQZDY (copyright Anthony James Kendall, 2016).
tikay
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« Reply #18528 on: September 02, 2015, 08:54:32 AM »


Managed to get some photos of Stu calmly addressing the situation yesterday.







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http://www.tnooz.com/wp-content/uploads/2012/08/angry-man-laptop.jpg
[/img]





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tikay
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« Reply #18529 on: September 02, 2015, 08:55:48 AM »



Eventually, he enlisted the help of Mayor Keith Hawkins.


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tikay
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« Reply #18530 on: September 02, 2015, 08:57:28 AM »



Frustrated, he tried to access the Bank via the side entrance.


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tikay
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« Reply #18531 on: September 02, 2015, 09:00:15 AM »



It was no use though. He resorted to waiting for the Staff to leave the building. It all ended rather badly I'm afraid.










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« Reply #18532 on: September 02, 2015, 10:33:28 AM »

Not enough hate for Santander in this thread, they can go fuck themselves. Also they're the absolute worst when playing credit card roulette with a waitress.

Nationwide the one for me Smiley
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« Reply #18533 on: September 02, 2015, 11:16:48 AM »

Sorry about this, but I need to rant...

I went into my bank today and spoke to the manager again. All I wanted to know was the exact date on which my account was due to close. So I would know which direct debits were going to go through and which weren't and could act accordingly (i.e. prioritise which companies to phone up first etc).

She told me she was unable to help me, it was not her responsibility since it was not a 'branch issue' etc. She could do nothing more than I could do.

I just kept begging her to please help me and explained how important it was etc. It's not like I wanted some top secret information... I just wanted to know the date! Then finally I told her that I was intending to make a formal complaint to Natwest (and then the financial ombudsman if I was not satisfied) and that part of my complaint would mention the help (or lack of) that I had received from her as well as her rude and dismissive attitude. She then said that she would make some phone calls and try to find out for me, and that she would call me this afternoon.

I got the call at 4.20pm. She told me that my account was due to be closed tonight. So turns out she could find out after all, despite her repeated insistence that she couldn't! I mean, I don't want to put her in a damned if she does damned if she doesn't spot, by being annoyed that she did actually find the information out. But still... she told me 8 weeks ago that she could not/would not find out that information for me, then tried to tell me again today that she could not/would not. Yet it turns out that she was able to. If she had just tried to actually help me when I first went in to see her at the start of July there would have been no issue.

Well, at least I knew now. However, there was still the issue of what would happen to my money. I did not want to be left with no money, having to wait for a cheque to be sent out to me (no doubt after 21 working days of 'processing time' etc) and I told her I would come down now and withdraw my balance in cash. "Well, we are closing in five minutes," she said.

I rushed out to the car and drove into town as quickly as possible (I'm only a couple of minutes away from my bank). Not fast enough. When I got to the bank the doors were shut. AAAGGGHHH!! Well at least I could put my card in the hole-in-the-wall and draw out some cash... but no, as soon as I entered my PIN number a receipt spat out of the machine saying 'card retained please contact your branch'. AAAAAAAGGGGGGHHHH!

Then the door opened and someone came out! He was a Natwest employee from Sheffield who was working in the Retford branch that day. I asked him if the bank manager was still in there and he confirmed she was. I briefly explained the situation and he said he would try to get her to open up. He called the number he had for her, no response. We rang the doorbell on the front door of the bank. No answer. He stayed with me for quite a while, trying to get me in, but finally he had to go. However, he gave me his business card and said to call or email him directly tomorrow if I was not able to sort it and he would try to help me. What a legend, he did not have to do that. It doesn't take much to at least partially restore my faith in people. Off he went with my thanks.

I decided I'd wait outside the bank until the manager left for the day. It was pouring with rain and I had rushed out without a coat, so I ended up soaked to the skin. After 15 minutes and no sign of her coming out I had had enough, fucked it off and went home. Wet and cold and beyond steaming.

If Natwest had PLANNED to fuck me over, they could not have done it any better.

If you do decide to complain, I would quote the regulator's initiative called "treating customers fairly". It was a big regulatory project and there complaints team will probably realise you have some knowledge of how things work if you quote that - its clear they haven't treated you fairly and you should get something back.

 
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DMorgan
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« Reply #18534 on: September 02, 2015, 12:01:41 PM »

I don't know if this is still the case but a few years ago it was a major hassle wiring money from vegas to a nationwide account.

A bit hazy on the details but it was something like Nationwide didn't have their own SWIFT code for international wires because they only operated in the UK. The SWIFT code for nationwide was shared with HSBC so you needed an 'intermediary bank code' to go along with it for the money to land at Nationwide.

After a week of phone calls to the casino and nationwide it was obvious that the cage didn't have a clue what an intermediary bank code was or how to use one and they advised to just send to a different account, so I had to open an account with a real bank to get my wire. Barcalays and Natwest completely mugged it off then someone suggested that I take out a credit card at the same time as trying to open a current account and this worked first time with Santander and the wire went through no problem.

Saw this a few days ago:
http://i100.independent.co.uk/article/these-are-the-worst-banks-in-the-uk-according-to-customers--WyICG3ofHe

Customer service with Santander has always been good, most of the times that I've called I've been straight through to someone and you don't have to mess about with those card reader things to do bank transfers, they just text you a confirmation code which is way less tilting imo.
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zerofive
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« Reply #18535 on: September 02, 2015, 12:31:53 PM »

This thread right now makes me so glad I don't have any money.
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Nakor
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« Reply #18536 on: September 02, 2015, 12:45:57 PM »

Thought this was the croquet thread?

Have lots of Newbie questions for you when you have waded through the (very interesting) banking stuff.
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Shit post Nakor, such a clown.

What do you get when you cross a joke with a rhetorical question?
Honeybadger
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« Reply #18537 on: September 02, 2015, 01:20:35 PM »

If you do decide to complain, I would quote the regulator's initiative called "treating customers fairly". It was a big regulatory project and there complaints team will probably realise you have some knowledge of how things work if you quote that - its clear they haven't treated you fairly and you should get something back.

I will obviously be making a complaint lol! Thanks, that is very useful advice and I will include reference to that in my complaint. I tried searching for the relevant website, and I found something from the Financial Services Authority (https://www.fca.org.uk/static/fca/documents/fsa-tcf-culture.pdf). Is this the right thing to use? It is from 2007 which seems a bit old. Do you have a more recent linkie?
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RickBFA
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« Reply #18538 on: September 02, 2015, 01:33:00 PM »

If you do decide to complain, I would quote the regulator's initiative called "treating customers fairly". It was a big regulatory project and there complaints team will probably realise you have some knowledge of how things work if you quote that - its clear they haven't treated you fairly and you should get something back.

I will obviously be making a complaint lol! Thanks, that is very useful advice and I will include reference to that in my complaint. I tried searching for the relevant website, and I found something from the Financial Services Authority (https://www.fca.org.uk/static/fca/documents/fsa-tcf-culture.pdf). Is this the right thing to use? It is from 2007 which seems a bit old. Do you have a more recent linkie?

The initiative was started by the then regulator the FSA. They basically visited/interviewed every financial services business in the country from the big banks down to small advisers with TCF as the focus.

I remember my interview with them, it was a 2 hour joy :-)

I don't think you will find a lot more published documents - the bottom line is they expect every business to embrace the concept of treating customers fairly within their culture and all aspects of the way they conduct business.

The complaint handler should be well aware of the phrase and its implications.

Whilst we have a new regulator, who's short term thematic reviews and focus is different, the whole concept of treating customers fairly is still an important corner stone of their expectations.

I would just quote the phrase in my complaint and say that the whole way you were treated was in complete breach of the regulators expectations in that regard.

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Honeybadger
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« Reply #18539 on: September 02, 2015, 01:50:32 PM »

Thanks RickBFA, I will follow your advice when writing my complaint.

Also, interested in opinions on how much I should slate the bank manager in my complaint. She was ridiculously unhelpful and dismissive. On the other hand, once I made my 'threat' to her (that I would mention her in my official complaint) she did then come through and find out the information that I had requested (albeit rather too late!). Weirdly enough I am more angry with her that she found this info out than if she had not been able to... because the fact that she did get the info for me proves that she could have done it all along, despite her protestations to the contrary. But on the other hand, that puts her in a damned if she does damned if she doesn't spot and I want to be fair to her. Mind you, I am pretty annoyed that I ended up being forced to make a 'threat' in order to get her to help me... if I had not have done this then she would not have bothered. So her attitude forced me to become one of those people who gets what they want through making threats which is not something I enjoy doing.
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