RE: [MLUG - DISCUSSION] banks fscking me

["Brent Deterding" <EMAIL:PROTECTED>]

Checks are all handled by the same place. Your problem may have been if your
bank weasn't "online" - in which case find a different bank because offline
banks suck.

If you deposit cash into your account you should have access to it
immediately. In an offline bank you wait till the next business day.

-----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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