I’ve trusted you for a long time… well, as much as anyone can possibly trust a bank. But, I chose you as the keeper of MY hard-earned moolah, and have recommended many to choose you as well.
The things I’ve valued most about our relationship so far is that you’ve given me free reign to administer my own funds online wherever I am; saving me the time, money and discomfort (ergo PAIN) of commuting and waiting in long queues to be served at your physical branch. With the SMS notification system, I also feel that more secure knowing that, should anyone other than me be fiddling with my finances, I’d be alerted very quickly!
However, our relationship is currently on the rocks. I’m a low maintenance client, in my guise of online banker, and it is very rare that I call upon you to assist me while you draw a pretty penny.
Things began going South when I came in to apply for a credit card some time ago, much to my chagrin. Increased international travel for work justified the need, but because I no longer earn a textbook salary, due to being an independent consultant, you just wouldn’t budge… despite having access to several years’ history of transactions in my ONLY account vouching for my financial stability! I didn’t want to use the card for credit. I was already entirely uncomfortable with the idea of having one in the first place, and only needed it to save me financial embarrassment should I be in a country where my debit card is not accepted. I’ve always been a cash buyer and NEVER live beyond my means…that should be a positive thing. Ironically, I’ve often been denied things because I don’t have a credit record! How is not having a credit record worse than having one at all? I still can't get my head around that.
Anyway, moving along… what REALLY got my goat, most recently, is that it has been near impossible to change my address! I moved into a granny cottage, and when I finally found the time to come into your branch (at my expense and inconvenience) to change my address, my copy of the lease agreement in hand, you turned me away telling me you needed the original, or a police-certified copy of it. The rental agency that signed me up had the original and it was only valid for 6 months anyway.
By now, nearing the lapse of the 6-month lease agreement, I approached my landlords with my dilemma. At the end of this month I shall be renewing my lease agreement with them personally, on a month-to-month basis, until I decide where I want to go next. They happily typed me up a letter in the interim, confirming my residence on their property, with an original signature by my landlady (who is an ADVOCATE, to boot) at the bottom. The same lady I transfer my rent payment to each month via my only FNB account. I came through again, and was turned away because this letter was not, apparently, acceptable. And… not a morsel of concern about wasting my time.
You have got to be kidding me!
However, our relationship is currently on the rocks. I’m a low maintenance client, in my guise of online banker, and it is very rare that I call upon you to assist me while you draw a pretty penny.
Things began going South when I came in to apply for a credit card some time ago, much to my chagrin. Increased international travel for work justified the need, but because I no longer earn a textbook salary, due to being an independent consultant, you just wouldn’t budge… despite having access to several years’ history of transactions in my ONLY account vouching for my financial stability! I didn’t want to use the card for credit. I was already entirely uncomfortable with the idea of having one in the first place, and only needed it to save me financial embarrassment should I be in a country where my debit card is not accepted. I’ve always been a cash buyer and NEVER live beyond my means…that should be a positive thing. Ironically, I’ve often been denied things because I don’t have a credit record! How is not having a credit record worse than having one at all? I still can't get my head around that.
Anyway, moving along… what REALLY got my goat, most recently, is that it has been near impossible to change my address! I moved into a granny cottage, and when I finally found the time to come into your branch (at my expense and inconvenience) to change my address, my copy of the lease agreement in hand, you turned me away telling me you needed the original, or a police-certified copy of it. The rental agency that signed me up had the original and it was only valid for 6 months anyway.
By now, nearing the lapse of the 6-month lease agreement, I approached my landlords with my dilemma. At the end of this month I shall be renewing my lease agreement with them personally, on a month-to-month basis, until I decide where I want to go next. They happily typed me up a letter in the interim, confirming my residence on their property, with an original signature by my landlady (who is an ADVOCATE, to boot) at the bottom. The same lady I transfer my rent payment to each month via my only FNB account. I came through again, and was turned away because this letter was not, apparently, acceptable. And… not a morsel of concern about wasting my time.
You have got to be kidding me!
Me, myself and I were there in physical form, with my ID book and letter from the landlady who I pay rent to… to change MY address for MY account that holds MY money so that MY personal banking mail reaches ME!
I understand the reason for bureaucracy and red tape in most instances, but this is taking it too far. And I continue worrying about who's now opening my mail. Read the bold sentence above again and convince me otherwise, I beg you.
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