AIB retards

Johnny Versace

I need to rant.

This is annoying. I applied for a personal loan from AIB to clear my credit card balance, but they won't give me the loan as the credit card is an EBS credit card.

The thing is: EBS credit cards ARE AIB credit cards. My bill is from AIB, I have to ring AIB with queries on the credit card etc.

I've tried to explain this to the retards, but because they don't know that EBS credit cards are just branded AIB credit cards, and refuse to ring their credit card centre to check this, I can't get my loan.

Annoying.

I hate large companies.

koneko

When crap like that happens just say "I'd like to speak to a manager".

Either it'll make them scared that they'll get in trouble and they'll check it for you, or an actual manager will sort it out for you. Or nothing will happen. But you won't lose anything by trying

rymus

in that case... "w00t to BOI". I was down there this morning applying for a motorloan and within a half hour I got a phone call from them saying it was approved.

smiaras

This post has been deleted.

koneko

Smiaras, I do that on my AIB phone/online banking all the time. They're talking out of their arses.

TwoShedsJackson

At the AIB in Dundrum, some years ago, my mate's father had to explain to the gimp behind the counter what the difference between 'credit' and 'debit' was.

Kone

Originally posted by smiaras


The story continued last week when I went down with what I thought was a simple process - transferring money from my account to an account at Ulster Bank:
-'Sorry you can't do that. You can take the money out, go to Ulster Bank and lodge it but we can't transfer it'. Now to me it sounds like a simple request, somebody here who works in a bank may tell me what I'm asking for is actually quite complicated, but if I've got all the details (a/c number, sort code, bank, branch name & address) then what's the problem?

there is no problem! they're just idiots!

Philbert

Originally posted by Johnny Versace
I need to rant.

This is annoying. I applied for a personal loan from AIB to clear my credit card balance, but they won't give me the loan as the credit card is an EBS credit card.

The thing is: EBS credit cards ARE AIB credit cards. My bill is from AIB, I have to ring AIB with queries on the credit card etc.

I've tried to explain this to the retards, but because they don't know that EBS credit cards are just branded AIB credit cards, and refuse to ring their credit card centre to check this, I can't get my loan.

Annoying.

I hate large companies.

What are you doing worrying about credit cards and the like when what you should be doing is updating jv.com on a more regular basis. Its been 10 days already!:mad:

Very dissappointed

Stark

Remember the AIB bank in UCC asking someone I know to get his parents' permission for some operation on his account (can't remember what exactly). He was 23 and living on his own for the past 4 years

Johnny Versace

Originally posted by Philbert
What are you doing worrying about credit cards and the like when what you should be doing is updating jv.com on a more regular basis. Its been 10 days already!:mad:

Very dissappointed

Yeah sorry... I've been a bit distracted over the last few weeks. Lots of **** going on in my life...!

Getting the personal loan is the first step to recovery!

uberwolf

Originally posted by Philbert
What are you doing worrying about credit cards and the like when what you should be doing is updating jv.com on a more regular basis. Its been 10 days already!

agreed. (could you make it FireFox compatible? I have to open IE especially to look at it)

There seems to be a prevailing attitude of "well I haven't seen it before, ergo its not company policy or even it may be against the laws of physics"

Paddy20

Johnny,

Do you use AIB online banking. They are at www.24hour-online.ie

I use them for convenience, paying bills etc. They are excellent, and even won an award for Online Banking. I do not know what I did without them.

Anyway, you can Telephone A Loan on lo-call 1850-272727. For 'Personal loans' up to €10.000. They are very fast.

However, many banks prefer it if you apply for a loan for "Home improvements" than other loan consolidation. If you know what I mean.

I have used a number of Banks and still do, but in fairness to AIB I must say that their online and telephone banking services are imo the best of the lot.

Give ' Telephone A Loan ' a try. Or remember a lot of other Credit cards are now offering rates like 3.9% on balance transfers if you take out one of their Credit cards MBNA comes to mind !. You can call them on Freefone 1800 409 511 or online at www.mbnanetaccess.ie
and remember 3.9% is a lot cheaper than a 'Personal Loan' from anyone.

I have an MBNA Platinum Ireland C.C. and find them very good in all respects.

Good luck.

P. :ninja:

BuffyBot

I hate large companies.

You just got stuck with a stupid person by the sounds of it.

Normally the kind of card (EBS, MBNA, BOI etc) wouldn't matter, once it is a card issued in Ireland.

Stephen

My ould wan works for AIB and she insists that they cannot lodge money to other banks unless you have lodgement forms from the other bank. Yet she also admits that the 24 Hour phone/internet banking can do it without any of said forms.

bureaucracy sucks balls.

Johnny Versace

I was just talking to AIB.

I have to transfer my credit card balance from my AIB credit card to a new AIB credit card before they will give me the loan.

F U C K I N G R E T A R D S.

leonotron

But then they charge you 40 quid for the new card.

Paddy20

leonotron,

It's not AIB that charges the €40. It's our wonderful rip-off government;) .

P. :ninja:

BuffyBot

I have to transfer my credit card balance from my AIB credit card to a new AIB credit card before they will give me the loan

Was it the same person/branch? Try some others to see what they say.

Johnny Versace

The problem is with the people in the lending department. I've tried to get them to ring the credit card centre and see that my credit card is in fact an AIB credit card, but they won't do it.

They are refusing to be educated! AARRRGH.

I repeat -

F U C K I N G R E T A R D S.

silverside

they are just looking for commission when you open up a new credit card account. Tell them to stuff themselves and look for a 'car loan' from somebody else. AIB aren't that competitive for personal loans anyway.

Sleepy

Pay peanuts, don't be surprised when your staff are monkeys.

I worked in BOI for a couple of summers and no, you can't transfer between branches unless you've a pre-printed Credit Transfer for the other bank. They had to put it in place because people's handwriting was so poor large amounts of cash were going missing on a regular basis...

adonis

I think your attitude sucks
they would do it if they could
its not like they are trying to annoy you

get over yourself already

Johnny Versace

Originally posted by adonis
I think your attitude sucks
they would do it if they could
its not like they are trying to annoy you

get over yourself already

BuffyBot

they are just looking for commission when you open up a new credit card account

Most likely explanation. Branch staff will get commission for "cross-selling" you an AIB product.

Johnny Versace

Originally posted by BuffyBot
Most likely explanation. Branch staff will get commission for "cross-selling" you an AIB product.

Personally, I think the retard theory is correct.

They get paid crap money, and couldn't be arsed using their brain.

Genghis

I once wanted a motor loan and went in to AIB. They refused to discuss approval until I agreed to move all other banking to them - current account, saving account, credit card, etc. I wasn't prepared to do that, so I walked next door to Irish Permanent and got approved in a few hours.

Go somewhere else Johnny and quit wasting your time (its costing you dearly too, while it sits on your credit card).

BuffyBot

Personally, I think the retard theory is correct.

They get paid crap money, and couldn't be arsed using their brain

Well for the most part they don't. Banks generally are good payers.

If you can't be arsed ringing around, asking other people in the same branch and/or other branches whether they can help you instead of sitting on your behind moaning about it on here, so deserve nothing more than you've been given by them.

Johnny Versace

Originally posted by BuffyBot
Well for the most part they don't. Banks generally are good payers.

If you can't be arsed ringing around, asking other people in the same branch and/or other branches whether they can help you instead of sitting on your behind moaning about it on here, so deserve nothing more than you've been given by them.

Whoa. No need to get narky... :cool:

Firstly, banks pay terrible money (I have first hand experience of this.)

Secondly, I never said I wasn't going to ring around.

Sleepy

Sorry BuffyBot, I've also got first hand experience of this: Banks pay branch staff terribly. Yes, some of the financial offices of the Banks pay reasonably well but most bank staff are working on a pittance since the introduction of the Bank Assistant position in the mid 80's which essentially created a lower paid position to do the exact same work as a Bank Official. Add to that the fact that the Banks were notorious for hiring people long-term in "temporary" positions and you have a monkeys and peanuts situation.

BuffyBot

Firstly, banks pay terrible money (I have first hand experience of this.)

Add to that the fact that the Banks were notorious for hiring people long-term in "temporary" positions and you have a monkeys and peanuts situation

Must have been a different bank than the one I worked in then

Lenny

I'm working in aib bankcentre in ballsbridge(not the branch) and I didn't start on **** money or the likes, started on much higher of what I was on in my last job

Dun

My account's with BOI, and was wondering if they were getting more money than AIB staff - the crowd in the Buncrana/Carndonagh/Letterkenny branches are real pleasant while their AIB colleagues make a visit to the dentist for a filling seem like a trip to the beach, anytime I've been in with them.

nlgbbbblth

Originally posted by smiaras
The story continued last week when I went down with what I thought was a simple process - transferring money from my account to an account at Ulster Bank:
-'Sorry you can't do that. You can take the money out, go to Ulster Bank and lodge it but we can't transfer it'. Now to me it sounds like a simple request, somebody here who works in a bank may tell me what I'm asking for is actually quite complicated, but if I've got all the details (a/c number, sort code, bank, branch name & address) then what's the problem?

Up to 2000 you could lodge to say, an BOI account, in your AIB Branch by filling out a credit transfer lodgment slip. This would take 2 days to reach the account.

Sometime in 2000, the five clearing Banks (AIB, BOI, UB, NIB and TSB) jointly agreed to rid the clearing system of unencoded paper (cheques/pre-printed credit slips are encoded paper, handwritten credit transfers/lodgment slips are not)

Reason: unencoded paper cannot be read by machines, has to be manually sorted, is prone to errors (wrong a/c details etc)

Therefore NOW you can ONLY lodge to say, a BOI account, in your AIB Branch if you have a pre-printed or pre-encoded lodgment/credit slip for that account.

You can, of course, lodge to, say a BOI account in any BOI account branch using a hand-written docket.

Reason: the handwritten docket does not go through the clearing system but stays in the branch. account is instantly credited (though funds may be treated as uncleared if non-BOI cheques)

nlgbbbblth

Banks do not pay a good salary in my opinion

the workload and pressures amongst staff are very high and not easily seen by the public

catsup

in my experience (somewhat limited, not being overly familiar with this material you refer to as 'money') AIB are of questionable competence, timewasters and not too pleasant to interact with.
social skills seem to be pretty low on the agenda, and reading through the other posts i wonder what the hell IS high on the list?!

on the other hand, i highly recommend AIB online services. no people, just account info and services when you need them.

Johnny Versace

I think saying banks pay well/not well may be relative to what you expect to earn.

I consider 18 - 25k a year to be awful money.

RossFixxxed

Originally posted by Johnny Versace
I consider 18 - 25k a year to be awful money.

I get less than that where I am (an office job). :mad:

Start at 8 in th morning too. Bah. I'd take the bank any day!

Sleepy

I'm sure you've better chances for advancement where you are...

kiffer

One Crazy thing I've noticed and some one stop me if I'm wrong but a while ago I had to move about 2 grand from my account to my mothers,
I go in to the bank and tell them I want to transfer the money from my account to my mothers excpecting to fill out a CreditTransfer form/yoke.
but instead I'm handed a withdrawl from and a logment form...
fair enough I guess thats ok ...
I fill them in and the teller counts out the money ...
and then counts it back into where she got it from.
WTF!? why did she count actual money?

This was in BOI and both accounts are BOI accounts, athough I was'nt in my branch.
I've seen them do this in AIB as well, but not as much, with AIB to AIB transfers ...
Why do they count the money ... is'nt it enough to look at the screen, click the button and move the money?

Genghis

The bit I don't understand is kiffer, why she didn't hand you over the cash, ask you to re-queue and then re-lodge the cash!

kiffer

Originally posted by Genghis
The bit I don't understand is kiffer, why she didn't hand you over the cash, ask you to re-queue and then re-lodge the cash!

Your Right!!! I was Robbed!
I should have had the right to count the money myself.
then I should have gone out to the express logment box and used that...

actualy who trusts that express logment box thing? put my money in an envelope and leave it there ... and they'll put it in you account, sure they will.
Why it is faster than handing it to a teller who can put it straight on to your account.