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I thought that bank staff were supposed to be discreet when it comes to dealing with the financial affairs of customers? We're clearly the young lady that I was served by today hasn't been on that particular customer care training course.
Like many businesses at the moment mine is suffering and I have found myself from time to time having to use the overdraft facility on my personal account. Actually, I've practically been living there for the last couple of months and I'm sure I'm not the only person who's had to do that recently either.
Anyway, things are turning around for me at the moment. This is probably not going to last, but for now I've received some money in the form of a personal cheque that I needed to pay into my bank account.
"Oh.. and are you using your overdraft?"
As I've been quite busy over the last couple of weeks this has been left until today, so at lunch time I decide to pop into town and do the deed at our branch of Lloyds TSB. When I arrived I filled out a paying in slip and went to the nearest cashier who began processing my request. "Is this your account?" she said to me. I confirmed that it was indeed mine. "Oh.. and are you using your overdraft?" she then asked. At that point I noticed out of the corner of my eye that the man being served at the counter next to me was looking over. I was embarrassed when I answered "Yes, I am." She then said "It's just that you're being charged a monthly fee for using your overdraft, this is because you have a classic account and there's new type of account where you won't be charged this fee.".
The whole bank knew I was in the red...
I'm sure under different circumstances I would have been grateful for the financial tip, but as it was I was still mortified. The whole bank knew I was in the red because she had one of those voices that carry well. This is probably great when your customers are the elderly folk paying in their pensions, but not so good if you don't want others to know your business.
Anyway, I declined assistance with my account for the moment as I was only 'temporarily using my overdraft', and would be closing the account soon anyway. I scuttled from the bank as quickly as I could all the while hoping that I wouldn't be recognised in future.
A bit of discretion isn't much to ask though is it? The banks have already stripped us of our incomes, and by that I'm referring to the financial crisis a few years ago and the following recession. The very least they could do is leave is with some dignity and not broadcast to everyone in the room the state of your finances!