I just looked at my statement and I have been hit with an excess staff assisted transactions fee of $2.50 because I had to go into a branch and withdraw money a week ago cos their bloody machine ate my card which I might add the branch admitted there was a fault with the machine. They were the ones that told me to go into the bank and withdraw money. Well I will be storming in there tomorrow and telling them what they can do with their excess staff assisted transaction fee. B!@#$%^s!!!
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IMPORTANT // Please look after your loved ones, yourself and be kind to others. If you are feeling that the world is too hard to handle there is always help - I implore you not to hesitate in contacting one of these wonderful organisations Lifeline and Beyond Blue ... and I'm sure reaching out to our PRE community we will find a way to help. T.
Banks - GRRRRRRRRRRRRRRRRRRRRRRR
- Thread starter tiggytam
- Start date
You can generally get those sort of fees returned pretty easily when you have that sort of reason.
I'm with a credit union and it is the opposite, our withdrawals are free over the counter but it would cost us to make withdrawals from an ATM. Since we make our withdrawals over the counter we have no fees at all though which is good.
I'm with a credit union and it is the opposite, our withdrawals are free over the counter but it would cost us to make withdrawals from an ATM. Since we make our withdrawals over the counter we have no fees at all though which is good.
Agree mld, Credit Union is the way to go. Mine gives me a certain amount per quarter free (cheques, ATM etc) before charges kick in.
Sic 'em Tiggy!
olice: Complaining is worth it, just had a nice little win over GE Finance. I ended up quite a way in front.
Sic 'em Tiggy!
olice: Complaining is worth it, just had a nice little win over GE Finance. I ended up quite a way in front.
I hear ya tiggy. Switch to a credit union. Mine actually gives friendly service, and you have to do a heap on transaction before they'll charge you anything.
I really hate bank ads, all the 'we are friendly and helpful' crap when they are inept and greedy.
My worst bank moments:
Once sold a car to a bloke in Qld when living in Melb. I put the car on a truck, He put cash in my acct, cash. Went in to get it, bank said 4 days to clear, CASH, WHY THE CLEARANCE?
another one, do people remember when you used to be able to cash your tax return cheque instantly? Bank, bottle shop if they knew you, its the reserve bank after all. Not now, 7 days clearance, DO THEY THINK THE RESERVE BANK IS'NT GOOD FOR THE DOUGH?
The thing that really sh!ts me though is when a cheque you've been given bounces , AND THEY CHARGE YOU FOR IT!!!! who is at fault?
Also, one of my best mates had his his account skimmed by his regular teller, a big bank I won't name, lets just say the finally NABbed him, over $100K, the bloke manipulated my mates statements so he wouldn't see. Took him 2 years and being treated like a crim to get his money back.
I hate banks.
I really hate bank ads, all the 'we are friendly and helpful' crap when they are inept and greedy.
My worst bank moments:
Once sold a car to a bloke in Qld when living in Melb. I put the car on a truck, He put cash in my acct, cash. Went in to get it, bank said 4 days to clear, CASH, WHY THE CLEARANCE?
another one, do people remember when you used to be able to cash your tax return cheque instantly? Bank, bottle shop if they knew you, its the reserve bank after all. Not now, 7 days clearance, DO THEY THINK THE RESERVE BANK IS'NT GOOD FOR THE DOUGH?
The thing that really sh!ts me though is when a cheque you've been given bounces , AND THEY CHARGE YOU FOR IT!!!! who is at fault?
Also, one of my best mates had his his account skimmed by his regular teller, a big bank I won't name, lets just say the finally NABbed him, over $100K, the bloke manipulated my mates statements so he wouldn't see. Took him 2 years and being treated like a crim to get his money back.
I hate banks.
My Bank moment happened about 6 years ago.
I bank CBA and I needed cash from the ATM. I went to the closest branch and the ATM was out of order. So I walked inside where after a wait of 20 minutes the teller inquired as to my needs.
ME: I need cash and the machine outside is broken.
CBA TELLER: Well do you bank at this branch?
ME: No
CBA TELLER: I'm sorry sir I can't help you.
ME: But I have money in my CBA account and this is a CBA bank and I can prove this card is mine because I know the password.
CBA TELLER: So?
ME: Well I want to withdraw money from my CBA account using this perfectly valid card.
CBA TELLER: As I said sir I can't help you.
ME: So tell me what my options are.
CBA TELLER: I suggest you go to the ATM at the Westpac bank 50 metres up the road.
ME: I didn't know there was a Westpac down the road.
CBA TELLER: It's new sir.
ME: But that's a Westpac and will cost me extra fees.
CBA TELLER: Well that's your decision.
ME: Lemme get this straight. I can't withdraw money from my bank but Westapc who doesn't know me from a bar of soap will give me the loot?
CBA TELLER: Correct. For a small fee sir.
I bank CBA and I needed cash from the ATM. I went to the closest branch and the ATM was out of order. So I walked inside where after a wait of 20 minutes the teller inquired as to my needs.
ME: I need cash and the machine outside is broken.
CBA TELLER: Well do you bank at this branch?
ME: No
CBA TELLER: I'm sorry sir I can't help you.
ME: But I have money in my CBA account and this is a CBA bank and I can prove this card is mine because I know the password.
CBA TELLER: So?
ME: Well I want to withdraw money from my CBA account using this perfectly valid card.
CBA TELLER: As I said sir I can't help you.
ME: So tell me what my options are.
CBA TELLER: I suggest you go to the ATM at the Westpac bank 50 metres up the road.
ME: I didn't know there was a Westpac down the road.
CBA TELLER: It's new sir.
ME: But that's a Westpac and will cost me extra fees.
CBA TELLER: Well that's your decision.
ME: Lemme get this straight. I can't withdraw money from my bank but Westapc who doesn't know me from a bar of soap will give me the loot?
CBA TELLER: Correct. For a small fee sir.
Yeah CBA, great stuff.
I switched mortages a while ago from bank to CU. its a half mill house I owe $100 K on, ten years with the bank, never missed a payment, always ahead, yet they treated me like a serial fraudster.
When I was doing the final stuff at the old bank, they sent this ernest person from head office, 'can you tell us why you're leaving sir?'
I said: 'You look like a nice person, its nothing personal, but the organisation you work for is inept, inflexible and lazy. You have cost me between $4-6 K over the years through ineptitude and lazyness, I've had enough.'
She said: 'oh'
I switched mortages a while ago from bank to CU. its a half mill house I owe $100 K on, ten years with the bank, never missed a payment, always ahead, yet they treated me like a serial fraudster.
When I was doing the final stuff at the old bank, they sent this ernest person from head office, 'can you tell us why you're leaving sir?'
I said: 'You look like a nice person, its nothing personal, but the organisation you work for is inept, inflexible and lazy. You have cost me between $4-6 K over the years through ineptitude and lazyness, I've had enough.'
She said: 'oh'
Sorted. No problem, they couldn't have been nicer, which is a pity cos I was really fired up.
This is after I spoke to them a couple of weeks ago about changing my credit card to one with a cheaper rate, they offered me 12+% and I said well I can go down the road to Bankwest and get one for 8+% and the customer service guy told me to go and get the credit card (don't validate it), then ring up the ANZ card services number and tell them I have this other credit card at 8+% and what will they offer me to stay with them, like durr : why would I bother to go through all the hassle of getting another card and then say to ANZ what can you offer, give me a break.
Anyway I was talking to someone else from the bank the other day I was telling her about the conversation I had with the customer service operator and how surprised I was that he would tell me to go to another bank and she said well we are offer very competitive rates and I said to her well not competitive enough, but they were still not interested in bringing the interest rate down from 12%
I still have an operating account with a credit union in Tassie, I use the debit card as my bill paying account, but I don't use it at ATM's cos I get hit with fees. If I didn't get hit with fees, I would give ANZ the flick. I would appreciate it if people could give me the names of their credit unions and if you get charged for using other ATM's. I am ready for a change I think.
This is after I spoke to them a couple of weeks ago about changing my credit card to one with a cheaper rate, they offered me 12+% and I said well I can go down the road to Bankwest and get one for 8+% and the customer service guy told me to go and get the credit card (don't validate it), then ring up the ANZ card services number and tell them I have this other credit card at 8+% and what will they offer me to stay with them, like durr :
why would I bother to go through all the hassle of getting another card and then say to ANZ what can you offer, give me a break.Anyway I was talking to someone else from the bank the other day I was telling her about the conversation I had with the customer service operator and how surprised I was that he would tell me to go to another bank and she said well we are offer very competitive rates and I said to her well not competitive enough, but they were still not interested in bringing the interest rate down from 12%
I still have an operating account with a credit union in Tassie, I use the debit card as my bill paying account, but I don't use it at ATM's cos I get hit with fees. If I didn't get hit with fees, I would give ANZ the flick. I would appreciate it if people could give me the names of their credit unions and if you get charged for using other ATM's. I am ready for a change I think.
I'm in Members Equity Credit Union, or mecu. You get a cretain amount of free transactions and more if you have suplus dough in a mortgage offset. I rarely pay any fees. The credit card rate is about 12% though.
We got a sudden tax bill that had to be paid by the 28th. I rang the bank manager and wanted to transfer $5000 from one acct into the cheque acct so I could pay it and also the acct for the wheat we'd just had delivered. He said go ahead and write the cheque and he'd cover it until the $5000 was transferred. What he didn't tell me was that it cost us $40 for every cheque that was presented over the overdraft limit. That makes me really angry because they took a few days to transfer the money which they had the use of in the meantime.
The NAB really annoys me now. Our local branch doesn't have a manager so we have to ring Wangaratta to speak to one. When I rang him he told me I had to ring Shepparton branch to organise the money transfer. Banks in 3 towns to get one thing done. :
The NAB really annoys me now. Our local branch doesn't have a manager so we have to ring Wangaratta to speak to one. When I rang him he told me I had to ring Shepparton branch to organise the money transfer. Banks in 3 towns to get one thing done. :
nitrotiger
" lets play like the tigers of old ! "
F.........ing!@#$*smile*&^&*&^%$#*smile*^&
Now ya got me really cross Rosy!
Flamin banks and white collar poliies..........and petrol companies and supermarkets.......
Yep,there are a sore point with me.......
How often have ya had the scenario when if youre 2 cents or 20 cents overdrawn by 2 seconds.....they whack an overdrawn fee of 40 bucks on ya.......and yet........
if ya get a cheque for several hundred,or a few grand....they take up to 5 days to CLEAR the bloody thing......
Politicians who get up to 2000,000 bucks superannuation...thanks very much for stuffing up ibn their jobs........I could have stuffed up for a WHOLE LOT LESS....................
Petrol companies who whack a price rise within 5 seconds of oil prices goin up and then takin MONTHS to pass on cheaper prices when a barrel of oil goes down in price......
and Supermarkets who charge like a wounded bull on farm produce of every kind,and then import an inferior product and charge 5 star prices on it....whilst the farmers are strugglin with droughts,inept and stupid governments,tryhard ripoff oil companies and *smile* OVERWEIGHT,lazy,stupid,greedy,ignorant and overpaid supermarket managers and directors..........that goes for most company directors too........
tell me rosy.....did I miss anybody on this topic?
Now ya got me really cross Rosy!
Flamin banks and white collar poliies..........and petrol companies and supermarkets.......
Yep,there are a sore point with me.......
How often have ya had the scenario when if youre 2 cents or 20 cents overdrawn by 2 seconds.....they whack an overdrawn fee of 40 bucks on ya.......and yet........
if ya get a cheque for several hundred,or a few grand....they take up to 5 days to CLEAR the bloody thing......
Politicians who get up to 2000,000 bucks superannuation...thanks very much for stuffing up ibn their jobs........I could have stuffed up for a WHOLE LOT LESS....................
Petrol companies who whack a price rise within 5 seconds of oil prices goin up and then takin MONTHS to pass on cheaper prices when a barrel of oil goes down in price......
and Supermarkets who charge like a wounded bull on farm produce of every kind,and then import an inferior product and charge 5 star prices on it....whilst the farmers are strugglin with droughts,inept and stupid governments,tryhard ripoff oil companies and *smile* OVERWEIGHT,lazy,stupid,greedy,ignorant and overpaid supermarket managers and directors..........that goes for most company directors too........
tell me rosy.....did I miss anybody on this topic?
Loads of people taking the banks to court here in the UK to reclaim charges they've had to pay because they went slightly overdrawn.
Has come about to due a ruling where a bank can only charge however much it takes to process the overdraft, i.e. charging £35-£40 for going overdraft by just a few pounds is an unrealistic amount to charge. It's gonna cost the banks billions of £££ in repayments - one back for the consumer...! :clap
Has come about to due a ruling where a bank can only charge however much it takes to process the overdraft, i.e. charging £35-£40 for going overdraft by just a few pounds is an unrealistic amount to charge. It's gonna cost the banks billions of £££ in repayments - one back for the consumer...! :clap
poppa x said:
Sounds like a Monty Python sketch. I'm picturing John Cleese as the teller and Michael Palin as Poppa ;D ;D
I have a business loan with the CBA arranged by a third party, it took ages to get the interest payments set up properly and that was only because of numerous calls I made. Fortunately, they did reverse all the charges incurred because it wasn't set up correctly in the first place. : I have never received any kind of confirmation paperwork about the loan. I remember now why I swore off that bank many years ago.
I've probably done the rounds of all the majors over the years, currently with ANZ because it's a cheaper account, it has a branch close by and they have been very helpful. Also, the queues are generally short or non existant if I need to go to the branch. My previous bank originally had a branch in Werribee, then the closest was Altona, then they closed that branch and moved our business to Williamstown!
I have never received any kind of confirmation paperwork about the loan. I remember now why I swore off that bank many years ago.I've probably done the rounds of all the majors over the years, currently with ANZ because it's a cheaper account, it has a branch close by and they have been very helpful. Also, the queues are generally short or non existant if I need to go to the branch. My previous bank originally had a branch in Werribee, then the closest was Altona, then they closed that branch and moved our business to Williamstown!
nitrotiger
" lets play like the tigers of old ! "
Point taken Anduril......Anduril said:
Its just a real pain when the very same bank was all over me when things were goin OK......
I intend to switch to a community based bank or organisation when i head back to QLD......
If I had my way....I would have no bank...
I would pay 10 percent tax on everything I earnt....and bought,,,,,,,,
get rid of multi tiered government and
go back to the days of "earning your keep"
Not hiding behind unions or so-called qualifications based on the classroom and framed degrees or diplomas rather than true,world proven ability....
As they say in horse racing parlance........."show me the form"and "the track record"
Ian4 said:
Why do they have to move on interest rates for?
They're a business trying to make profits and give back to share-holders who invest in their business.
They're not a charity.
At the end of the day, if people are relying on some small interest rate cut to save their house, then they borrowed too much to start with, wouldn't you say? :don't know
