Guest Pauly Posted December 9, 2004 Posted December 9, 2004 Originally posted by coopster1974 So they refunded you once already as a goodwill gesture? Would this not have prompted you to make sure it didnt happen again in case there were no more goodwill gestures? I fail to see why the bank is at fault, you a had a lucky escape once before and expect them to do it again. I'm afraid, in my eyes, you only have yourself to blame. ps I think they're great, they pay me 30k a year, mortgage subsidy, low loan rates etc etc They pay you 30k a year eh? Well I'm not on 30k a year and it's sometimes difficult to stay in the black when I've got rent and other bills to pay, especially since I've recently changed careers and am retraining on a low wage of about 10k a year. People like you don't take this into account when dishing out the 'only yourself to blame' statements while you're sitting smugly on your 30k a year and enjoying your low rates and mortgage subsidy etc. Why should I be surprised though. You're an HSBC employee so thanks for fitting the HSBC stereotype and thanks again for rubbing it in my face. Smug t**t!
timo Posted December 9, 2004 Posted December 9, 2004 30K a year is hardly a princely sum anyway. It is actually, only just above the average income in relation to Britain as a whole. As for the cheap mortgage and non-contributary pension you can keep them. I left Midland in 1991, to go into lecturing and have never looked back. There were some good people [like the mates of mine who still work for HSBC], but in the main the job attracts mediocre, intellectually-incurious, smug, petty-minded, slack-jawed little Pooters with their Daily Mail under their arm, briefcase for their sandwiches, coffee-funds, post-its, achingly-unfunny office in-jokes, "fun days" at the bank social club, whip-rounds for birthdays, ****ing gonks on their computers, inane breaktime chatter, i.e. "Carla, did you know that Thornton's now do a diabetic toffee?", and sneaky "reporting" of colleagues behind their backs. If the management announced that it was going to stage an SS -style massacre of the cleaning staff in the Bank car park, you can bet your life that most of the bleating, docile, sheep-like wretches would put their heads down and continue as per normal.
nick2 Posted December 9, 2004 Posted December 9, 2004 Didn't someone throw himself off the top of Griffin House rather than work for them ?
timo Posted December 9, 2004 Posted December 9, 2004 Nick, You are correct re the suicide at Griffin House in the eighties. I know you mean no harm here, but I think we have to be mindful that his relatives might be reading this. I worked at Deacon House at the time, and I knew the receptionist who was "first on the scene", and I remember how distressed the man's colleagues were. No offence, Nick, but let's not pursue this one mate.
wendy Posted December 9, 2004 Posted December 9, 2004 Originally posted by timo 30K a year is hardly a princely sum anyway. It is actually, only just above the average income in relation to Britain as a whole. Timo I don't where you are now but it's clearly not in Sheffield 30K is pretty good by most standards - put it this way a combination of my husband's and my own salary only just comes to over that! Obviously there are exceptions but don't take the "massaged national average" figures as meaning anything afterall statistics can easily be "adjusted".
Guest Pauly Posted December 9, 2004 Posted December 9, 2004 I would've thought that the average wage in sheffield is somewhere between £15k and £25k.....just a rough guess. If I was earning £30k a year for doing what I do now I'd be more than happy, and it's possible that I may earn this in the future as I get more experience. In general I think that £30k is quite a comfortable wage, depending on your financial responsibilties of course.
Funky Dave Posted December 9, 2004 Posted December 9, 2004 I believe that the average wage for Sheffield is £21k and the national average is about £24k. And no, I can't remember where I heard that. I earn considerably less than either sum. Oh, and getting back on topic, I've been with HSBC for 7 years and never had any issues with them. When I was struggling as a student in the late nineties and ran out of money they quite happily extended my overdraft almost immediatley, which got me out of a bit of a problem. Since graduating I've had a £1500 overdraft limit, ehich has stopped me from slipping into the "red".
Andy Posted December 9, 2004 Posted December 9, 2004 Originally posted by Pauly ...am retraining on a low wage of about 10k a year. People like you don't take this into account when dishing out the 'only yourself to blame' statements while you're sitting smugly on your 30k a year and enjoying your low rates and mortgage subsidy etc. I work for a bank (not HSBC), and I'd like to point out a couple of things: £10k was my starting salary in the bank about 3 years ago. It's not a lot of money, and I can understand how it's easy to go overdrawn. However, I managed to get by without going overdrawn beyond my overdraft limit. If I had gone over this limit, I would have been charged, the same as any other customer. When I applied for my overdraft, my application wasn't given any special treatment as a member of staff, and I am charged standard rates when I use it. I don't think it's fair to expect to get charges refunded on more than one occasion - surely after you've been charged once (and had a refund), you understand how the charges work and therefore how to avoid them. nick2 - I've told you before, no bank charges a fee for sending letters. They are charging you a fee because you failed to run your account correctly.
Guest Pauly Posted December 9, 2004 Posted December 9, 2004 Ok Andy... ...but when Christmas is only around the corner and you've budgetted for a certain amount of money and that cash is then taken away by the bank for charges then you might hope for a bit of understanding from the bank. It's not like they're desperate to keep hold of your £60 when they've got millions of pounds going backwards and forwards every week. I understand perfectly how to avoid charges but I'd hoped that the bank would help me out on this occasion. Clearly I was mistaken when I hoped that the bank might 'understand'. Anyway, does it make sense to charge someone ridiculous amounts of money, making their situation even worse rather than helping them out and agreeing to talk to them about their problem in order to find a solution. When the bank charges me and then hides behind the desk when I want to discuss it like they did with me then I'm understandably hacked off! Originally posted by Funky Dave When I was struggling as a student in the late nineties and ran out of money they quite happily extended my overdraft almost immediatley, which got me out of a bit of a problem. Since graduating I've had a £1500 overdraft limit, ehich has stopped me from slipping into the "red". Wait until they demand to reduce that limit Dave.
Andy Posted December 9, 2004 Posted December 9, 2004 Originally posted by Pauly I understand perfectly how to avoid charges but I'd hoped that the bank would help me out on this occasion. Clearly I was mistaken when I hoped that the bank might 'understand'. You're a plumber, right? Would you fix my central heating for free?
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