If you need urgent support, call 999 or go to your nearest A&E. To contact our Crisis Messenger (open 24/7) text THEMIX to 85258.
Options
Take a look around and enjoy reading the discussions. If you'd like to join in, it's really easy to register and then you'll be able to post. If you'd like to learn what this place is all about, head here.
Comments
and if a highstreet bank is investing money somewhere, where do you think some of it might go
Im not entirely sure all the grief you have got in here has been justified, but you havnt helped yourself by coming accross sounding like a cock and rubbing it in everyones faces.
So it does do highstreet banking somewhere? so part of yoru wages are paid for in the way kermit described?
Yes but even if 1p is made from charges on a customers, then thats part of your wages paid for.
I haven't worked on the other side with the CAB and all that, but most people don't have problems writing cheques and actually do have the money, same with direct debits. If there's a charge it's normally because it came out the day before their wages went in, and that's always refunded if the customer requests it (it's an automatic debit).
When people do get charged is when they consistently (we can see your bank records) are trying to pay for things, over weeks, with guarunteed payments (i.e. cheque guaruntee cards) when they don't have the cash. Legally speaking they're obtaining goods by deception. But they still moan at the bank as if the bank is in the wrong.
But, I don't agree with the amount of the charge, it is a punitive charge and it probably takes me all of 5 minutes to charge someone (we have to keep logs of everything we do, so if you phone up it's on your 'file', and who put the charge through, where they're based, who their boss is etc. etc. whereas the bank statement is just a statement that a charge was put through). It actually is (a lot) more hassle with the refunds, and the whole center where I was working got inundated with letters and calls and so on from customers, meaning we couldn't get on with any real work, especially when they get incredibly rude even though you're not actually supposed to be doing it for them, because of x reasons.
Sorry, just my 2p, banks aren't as evil as you seem to think. They're a run for profit organisation. They provide a service (credit), in return the customer has to pay interest. I can't think of any other industry where the organisation is held to account on providing a service that the customer couldn't afford. If they couldn't afford it why did they chuffing well buy it?!
Yes but if you get paid by a bank, and that bank makes 1p from charges, then your wage is part financed by the charges.
Mate - you know, it's just not worth it trying to argue this point with some people on here. Doing the job you do, you just can't win with a lot of people - even when you know you are not hurting anybody etc etc. Just leave it, as it gets boring going back and forth... and it's all been said before by previous users with your experience, and the responses by the same people are just as boring, not to mention unfair.
With regards your situation - If people give you shit because of what you do, just tell them to fuck off. I've had people supposed to be my friends alienate me once they found out I had a good job and so 'didn't fit in' any more. Bollocks to them - they're not friends. When it's people you don't even know, then they're really not worth more than a second of your thoughts. Neither are people on the internet with a hair up their arse.
For the record, no, I don't think this is Ricardo coming back again to stir things, and if people find somebody doing well so tough to read, then they just shouldn't read it.
No. It isn't.
Banks have different divisions (as any other major company does) that have completely separate budgets and so have nothing to do with any other parts of the business - hence his wages are NOT paid by consumer bank charges if not involved in that division.
Have you never worked for a large corporation?
Good post, with a nice balanced view on things. Well done!
What annoys/angers/upsets me more than anything is ignorance, particularly when people say things as if they're deadly certain it's a fact when they're in fact completely wrong. Such as Kermit thinking investment bankers are greedy/selfish fucks because of people on income support getting charged £50 overdraft fees - most investment banks don't even have a high street banking arm attached! And the usual stereotypes - people assuming I don't have a life whatsoever because I work long hours etc.
And what the fuck? You must be really forcing it upon people to get that kind of reaction...
No, you're probably not contributing to social justice. Your bank is probably investing in arms which will kill children, in totalitarian regimes, in the oil industry which fuck things up for indigenous people in the Amazon and which is contributing to global warming. If you don't like being criticised for helping a process like that, then go ad work in an animal shelter and take care of puppies.
To be an investment banker you obviously can't care that much about the impact of your job, so why care about people's reactions to it? :rolleyes: (Unless you're in ethical banking?)
Whatever dude...
People do have a go at the aforementioned people A LOT.
There's lying about a job and there's keeping it quiet.
What kind of bar do you go to anyway where people come up to you and are so fascinated by a complete stranger that they interrogate them about their job?
Spot on. :thumb:
Because whatever you do, even if you clean their toilets you're helping what they do.
To be honest, that's never happened to me. But people really just randomly have a go? I think they'd have to be wound up or something first... Unless you are meeting people at the World Social Forum or something.
Just a quick point on this one - it's far more common than you may think in Central London, especially in the City. I hate it. My usual response to it (although I don't usually get any flack) is "I work in Mobile Music, but that's boring - what do you do?" or "I work in IT, but that's boring - what do you do?" so shifting the focus onto them. I don't like talking about my job when I am not in the office - it's boring, and I'm not getting paid to do it!
Honestly though, it's a question used as a very, very simple tool by some people: To find out if you are a l'esser', or an 'equal'. People don't like to think of people as better than them and so there is no 'greater'. Try looking at it in that context, as it's the real world, and it really happens. Shit, I know.
But even so, why would people just randomly start a fight?
Utter bollocks.
Some people have a hair up their arses about some things - for a perfect example, just read this bloody thread!!
So, nobody has ever asked you what you do for a living when you're out at a bar???? :eek2:
I don't think this is Jomery! Woopsie!
I'm talking about whether or not they benefit the company.
If you are helping to generate cash for a company or bank which does harm to the planet, especially if you're working high up and getting a stupid wage, then yes... You're partially responsible.
I think there's a difference between being a cleaner and working higher up because you have a bigger part to play. Also, a lot of people work lower down because they have to.
It's entirely up to people where they want to work (in my view I personally wouldn't work for the government anyway because of my passions), but whatever you do people will judge you. If you're working high up in a bank which exploits people though, you're doing A LOT towards that exploitation in my view and you should deal with it.
This is very, very true. Think of the reactions on this very board when people post things about estate agents etc etc. "Blood sucking leeches" is a common response.
Gets a bit boring, people being judged just for the job they do.
Not really... We're all a part of it somehow. It's impossible to escape... Unless we want to live on our own land, use permaculture to grow our own food and not pay taxes.
Although saying that, it's likely that cleaners would be working for contract companies. Plus people who are cleaners don't really have the choice like people who go higher up either.
(I retract my statement because it was the wrong example to use)