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Are the banks disrespecting you?

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    #2
    lkionm
    Closed Accounts Posts: 3,407 ✭✭✭lkionm


    I was standing at the door of a BOI the other day and a manager threw a banana off the back of my head.

    They all started laughing.


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    #3
    cherryghost
    Moderators, Technology & Internet Moderators Posts: 17,133 Mod ✭✭✭✭cherryghost


    Never had a problem with the bank, any issues were quickly solved by them, never had an overdraft, don't have a mortgage.

    I only use the bank though because I have to.


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    #4
    coffee_cake
    Moderators, Category Moderators, Politics Moderators, Recreation & Hobbies Moderators, Society & Culture Moderators Posts: 81,310 CMod ✭✭✭✭coffee_cake


    You disrespecting me? You disrespecting my family?!


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    #5
    mikom
    Closed Accounts Posts: 16,391 ✭✭✭✭mikom


    No problems with the bank.
    Banks of turf included. ;)


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    #6
    AnonoBoy
    Closed Accounts Posts: 22,559 ✭✭✭✭AnonoBoy


    Banks be all up in my grill and I be like. "Step off matrefeckers - you ain't gonna be sayin' that 'bout my low interest deposit account fo' real."

    They stepped off for sure.


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    #7
    The Backwards Man
    Closed Accounts Posts: 18,299 ✭✭✭✭The Backwards Man


    I must be a sexy bastard because any bank staff I interact with want to ride me.


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    #8
    lkionm
    Closed Accounts Posts: 3,407 ✭✭✭lkionm


    The Backwards Man wrote: »
    I must be a sexy bastard because any bank staff I interact with want to ride me.

    You mis heard. I said, I would barely ride him into battle.


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    #9
    Sir Humphrey Appleby
    Closed Accounts Posts: 3,465 ✭✭✭Sir Humphrey Appleby


    AIB gave our business an overdraft and a load of support, Ulster Bank screwed up twice and made monetary offers that were very fair on both occasions.
    I'm getting screwed on my mortgage interest rate but that is because of the slimy fkers that are strategically defaulting.


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    #10
    hullaballoo
    Administrators, Entertainment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 18,722 Admin ✭✭✭✭✭hullaballoo


    They always treat me like a sir.


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    #11
    Elbaston
    Registered Users Posts: 443 ✭✭Elbaston


    Its more the bailing the bastards out thing that bothers me.

    However impoliteness is a close distant second.


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    #12
    Caonima
    Banned (with Prison Access) Posts: 772 ✭✭✭Caonima


    My fairly savage me on fees whenever I send money back home to my account. Apart from that, in the past they sorted me out with a loan to do my Masters with no hassle, setting up a graduate account for me (and keeping it there maybe longer than it should've been), sorting out a paperless account for me, new bank cards for me abroad etc. So overall, they're grand.


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    #13
    MadsL
    Registered Users Posts: 20,299 ✭✭✭✭MadsL


    Caonima wrote: »
    My fairly savage me on fees whenever I send money back home to my account. Apart from that, in the past they sorted me out with a loan to do my Masters with no hassle, setting up a graduate account for me (and keeping it there maybe longer than it should've been), sorting out a paperless account for me, new bank cards for me abroad etc. So overall, they're grand.

    Paypal. You need two accounts, link one to your bank abroad, one to your Irish account. Cheap transfers.

    You're welcome.


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    #14
    Caonima
    Banned (with Prison Access) Posts: 772 ✭✭✭Caonima


    MadsL wrote: »
    Paypal. You need two accounts, link one to your bank abroad, one to your Irish account. Cheap transfers.

    You're welcome.

    Used to work for that shower. No thanks.


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    #15
    MadsL
    Registered Users Posts: 20,299 ✭✭✭✭MadsL


    Caonima wrote: »
    Used to work for that shower. No thanks.

    Umm. OK.

    Could I ask why, other than bitterness, I shouldn't use them?


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    #16
    YellowFeather
    Registered Users Posts: 2,294 ✭✭✭YellowFeather


    lkionm wrote: »
    I was standing at the door of a BOI the other day and a manager threw a banana off the back of my head.

    They all started laughing.

    In fairness, I was there and you do have the kind of head that makes people want to throw stuff at it


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    #17
    Caonima
    Banned (with Prison Access) Posts: 772 ✭✭✭Caonima


    MadsL wrote: »
    Umm. OK.

    Could I ask why, other than bitterness, I shouldn't use them?

    The Chinese Government has very tight rules on foreigners sending money out of the country and puts a lot of limits on repatriating funds; I'm pretty certain they wouldn't play ball with Paypal. Just did a quick Shanghai forum search there that's confirmed it - the Chinese banks won't sync with Paypal. Banks are all run by the Government here.

    Bitterness.... that's a different story, but not related to this thread so I'll spare you the boredom :)


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    #18
    lkionm
    Closed Accounts Posts: 3,407 ✭✭✭lkionm


    YellowFeather wrote: »
    In fairness, I was there and you do have the kind of head that makes people want to throw stuff at it

    Last week they popped a balloon in my ear.


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    #19
    YellowFeather
    Registered Users Posts: 2,294 ✭✭✭YellowFeather


    lkionm wrote: »
    Last week they popped a balloon in my ear.

    Ah - I missed that one. Can you let me know the next time you're going to the bank and I'll come with you?

    Last time I was in the post office they stole my shoelaces. :(


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    #20
    joe swanson
    Registered Users Posts: 1,124 ✭✭✭joe swanson


    They forever hatin' and dissin me so i punished them real good by er ...................... Making sarky comments in internet forums and news sites.

    I showed dem fo sure


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    #21
    General General
    Registered Users Posts: 1,900 ✭✭✭General General


    It's their culture...


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    #22
    namloc1980
    Registered Users Posts: 18,184 ✭✭✭✭namloc1980


    MadsL wrote: »

    I've been getting hassle from my bank about an overdraft on one account that I am within the agreed limit. They want to change it.

    Hassle in what way? There's probably a valid reason why they want to have a look at your overdraft.


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    #23
    Caonima
    Banned (with Prison Access) Posts: 772 ✭✭✭Caonima


    MadsL wrote: »
    I've been getting hassle from my bank about an overdraft on one account that I am within the agreed limit. They want to change it.

    They might offer you a bank loan instead, and if you wanted my advice on that it'd be better than an overdraft. Easier to pay back over a term, not getting hit by fees if you go over your limit etc.


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    #24
    NuckingFacker
    Closed Accounts Posts: 5,221 ✭✭✭NuckingFacker


    Kick in the door wavin a .44. They'll respect you then. Unless they have really thick glass and stuff. And them doors that lock you in.. then not so much..but they'll fear you - fear is better than respect, I heard that somwhere.


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    #25
    Jester252
    Registered Users Posts: 5,533 ✭✭✭Jester252


    If you don't own the bank money (I know its easier said than done) you can ask to close your account and watch their attitude change at the potential lost of a customer.


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    #26
    MadsL
    Registered Users Posts: 20,299 ✭✭✭✭MadsL


    Caonima wrote: »
    They might offer you a bank loan instead, and if you wanted my advice on that it'd be better than an overdraft. Easier to pay back over a term, not getting hit by fees if you go over your limit etc.

    Actually the new fee structure suits, very low fees and I get to keep the account as I will need it next year. I'm paying back the OD - just on my terms, rather than the banks, a bit here a bit there. The bank on the other hand seem to want it all at once. I have offered them a choice of fingers, but my middle one is my favourite.


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    #27
    Caonima
    Banned (with Prison Access) Posts: 772 ✭✭✭Caonima


    MadsL wrote: »
    Actually the new fee structure suits, very low fees and I get to keep the account as I will need it next year. I'm paying back the OD - just on my terms, rather than the banks, a bit here a bit there. The bank on the other hand seem to want it all at once. I have offered them a choice of fingers, but my middle one is my favourite.

    Back when I did my masters, I ran up a bit of an overdraft, and the fees were ugly. I just asked the bank to clear off the overdraft and add it to my student loan and they said okay. Worked out much better; not having that negative number in your current account feels better


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    #28
    MadsL
    Registered Users Posts: 20,299 ✭✭✭✭MadsL


    Caonima wrote: »
    Back when I did my masters, I ran up a bit of an overdraft, and the fees were ugly. I just asked the bank to clear off the overdraft and add it to my student loan and they said okay. Worked out much better; not having that negative number in your current account feels better

    I don't look at it.

    Getting rung by the bank when I am within the agreed limit is what bothers me.

    "What do you plan to do with your overdraft Mr MadsL?"
    Nothing
    "Errmmm."


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    #29
    Northern Monkey
    Registered Users Posts: 1,593 ✭✭✭Northern Monkey


    Caonima wrote: »
    My fairly savage me on fees whenever I send money back home to my account. Apart from that, in the past they sorted me out with a loan to do my Masters with no hassle, setting up a graduate account for me (and keeping it there maybe longer than it should've been), sorting out a paperless account for me, new bank cards for me abroad etc. So overall, they're grand.

    Currencyfair.com (assuming you are changing currency) if it is euro to euro I dont think there is a fee any more.


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    #30
    RobbingBandit
    Registered Users Posts: 18,115 ✭✭✭✭RobbingBandit


    bluewolf wrote: »
    You disrespecting me? You disrespecting my family?!

    Ahhh fugetaboutit.


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    #31
    dotsman
    Registered Users Posts: 3,636 ✭✭✭dotsman


    MadsL wrote: »
    I don't look at it.

    Getting rung by the bank when I am within the agreed limit is what bothers me.

    "What do you plan to do with your overdraft Mr MadsL?"
    Nothing
    "Errmmm."

    Being within the agreed limit is only part of it. An overdraft is for short term borrowing and should only be used temporarily. It is repayable on demand and at the first sign of hardcore debt, it is in your interest that it is dealt with.

    Your bank are trying to help you and you are on here complaining?


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