RE: [MLUG - DISCUSSION] banks fscking me

["Matt Ross" <EMAIL:PROTECTED>]

This is odd... we're all saying be nice, not a one of us saying to "stick it
to the 'Man'" or anything.

You are correct, they do know the mistake has been made (I think the clerk
got chewed out for admitting that to me), but management in banks rarely, if
ever, will admit the bank is at fault.

> -----Original Message-----
> From: EMAIL:PROTECTED
> [mailto:EMAIL:PROTECTED]On Behalf Of Sam Napier
> Sent: Wednesday, May 08, 2002 2:41 PM
> To: EMAIL:PROTECTED
> Subject: RE: [MLUG - DISCUSSION] banks fscking me
>
>
> It has been my experience that most National/Regional bank branches have
> a standard 2/3 day waiting period for the cashing out of state checks.
> Although I have to admit that 2 weeks (10 business days) is a very long
> time for a check to clear.
> Having to agree with the general consensus, you catch more flies with
> honey than with vinegar; just ask the bank to maybe meet you halfway.
> You may be surprised they know that mistakes are made (however seldom
> they admit it).
>
> Sam
>
>
> -----Original Message-----
> From: EMAIL:PROTECTED
> [mailto:EMAIL:PROTECTED] On Behalf Of Matt Ross
> Sent: Wednesday, May 08, 2002 9:54 AM
> To: EMAIL:PROTECTED
> Subject: RE: [MLUG - DISCUSSION] banks fscking me
>
> Another personal story, I made a $30 miscalculation (forgot to write it
> in
> my check stub).  The result, a $200 check cleared, and one check under
> $10
> cleared with a charge somehow, despite the fact that I had the money to
> cover it, I was charged $20, which dropped my account into the negative,
> then two more checks totalling about $15 went through, each with $20
> charges
> each.  I had deposited a check for $400 the day before, but knew better
> than
> to trust them to clear it in time, but I still got charged.  The net
> result:
> If the bank had cleared the $400 in a reasonable amount of time (ie, the
> same time they take to clear my checks), then I wouldn't have had a
> problem,
> if the bank hadn't charged me the inexplicable $20, I wouldn't have had
> a
> problem, if the bank had taken as long to clear my check as they do to
> clear
> checks I get, I wouldn't have had a problem.  Instead it was my fault
> for
> miscalculating (ie, because I made the mistake of mentioning that when I
> met
> with them).  The bank manager who I was meeting with told me he'd
> consider
> it a 'learning experience' for me, and waive the fees.  This is how they
> do
> business, in the classical style.  Its never the companies fault, its
> always
> the fault of a stereotyped customer group (teenager in this case), and a
> 'nice manager' will take care of all our problems, and a neglected sign
> sits
> on the desk saying "the customer is always right".  You can find this
> method
> of doing business in policy books from the early 1800's.
>
> > I do agree with Jonathan that your best chance at getting your money
> back
> > is to talk nicely to the people at the bank.  Make them feel sorry for
> > you.  Related example:  I sometimes am assessed a late fee for payment
> on
> > a credit card.  When this happens, I call the customer service line
> and
> > tell them that I'm very sorry that I missed my payment, I give some
> sort
> > of excuse, like I was traveling, etc., then I ask if it would be
> possible
> > to waive the late fee.  They waive it every time.  If they guy on the
> > phone didn't like me, he wouldn't have to waive the fee, and he could
> add
> > a note in the record saying some bad thing about my attitude (which
> might
> > make it hard for me to get help from other people).
>
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