Showing posts with label mis-selling. Show all posts
Showing posts with label mis-selling. Show all posts

Tuesday, August 14, 2018

Happy Daze - Tuesday


I'm early and the car park is fairly empty. They’ve tried to drive commuters in cars out of town with an expensive park and ride scheme, funded by local taxpayers, but guess what? If people have cars, they want to drive them.

I tried the park and ride once, but apart from being too far out of town I then had to wait fifteen minutes for a bus that didn’t take me to where I wanted to be. It’s not as if you can have a couple of pints after work either, because the bus times are sparser still and you still have to drive home.

Back aching, brief case heavy, I pass the pay and display machine and see the price has gone up again and then see a planning notice. I always read planning notices, there’s a possible lead for future sales with every one. This one isn’t too helpful though, the local authority are giving notice of intentions to close the car park and sell it off, so some pension fund can build student flats. Not even sensibly-priced homes for first time buyers, just a dash for cash with no joined-up thinking. No wonder town centre retail is dying.

‘Hold-up there mate.’ Calls a familiar voice as I head for the park. It’s not a phrase I want to hear. At my age and dealing with annoying people every day, the last thing I need is new friends - or as in this case an old acquaintance thinking he is one. It’s the banker with the dodgy hips.

‘Thought you didn’t hear me for a moment.’ Wheezes the money-lender, as he catches me up with a lop-sided hobble. I pretended not to.
‘Long time no see.’ He says with a yellowy-toothed grin. I know he’s about my vintage and I don’t need any further demoralising reminders of the ageing process. The shaving mirror has that covered.

‘How’s tricks?’ I reply, thinking most of your deceptions have been rumbled Shylock, since the PPI miss-selling fiasco. Not to mention discredited accident sickness and redundancy policies that didn’t pay out - unless you tripped over a Smallpox sufferer and lost your job in the civil service….

‘Crap.’ Says the banker flatly. Terrific. If I wanted manic depressive I could have stayed in my car.
‘Not shifting many mortgages then?’ I ask, wishing the walk across the park away, even if it means opening the office post and finding a solicitor’s letter telling me a buyer has pulled-out and not had the balls to tell me.

‘It’s all about sales and add-on policies.’ Bemoans the banker, with a familiar diatribe. ‘It’s not the same bank I joined from school.’
Too right it isn’t bucko. You’ve shut half your outlets and I can’t find a single teller position open, when I try to pay cheques in at lunch time. Solicitors still send them and will be one of the last professions to embrace on-line banking.

‘And did I tell you my new boss is only just out of university?’ Says the man, puffy face turning florid. He did.
‘And she’s a woman.’ He adds, unnecessarily. The she prefix gave that away.
‘Better get used to that.’ I tell him. 
‘She’ll be pregnant and on maternity before long.’ Says the banker, with a look of distain. So, not his love child then.

‘All they want to do is cut costs, sell over-priced product and flog expensive accounts with monthly charges.’ Continues the banker. He’s struggling to keep up with me and doesn’t seem to have noticed I’ve picked up the pace by fifty percent.

‘I thought you were going to take redundancy and finish early?’ I say, as we swerve an early-morning beggar, with a can of super-strength lager in his hand.
‘Have a nice day anyway, gents.’ Says the rough-looking man, slurred voice heavy with sarcasm. You’ll probably have a better one I think, at least you’ll be pissed by lunchtime.

‘I reckon the whole economy could go belly-up, with all this financial uncertainty and this Brexit shambles.’ Concludes the banker, before adding. ‘Have a good day.’


It’s unlikely.

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Wednesday, December 18, 2013

Seasons Greetings - Wednesday


‘Three more Christmas cards this morning.’ Chirps negotiator S excitedly. It’s nice to see her perky, but really, is there anything more devoid of genuine sentiment – outside of a political promise – than a corporate Christmas card?

‘Where would you like me to put them?’ Continues S in a question that prompts a swift ill-thought reply and could easily end up in lengthy disciplinary procedures and a sexual harassment case.

‘Anywhere but the front window.’ I eventually tell her, trudging to the office diary and seeing more open space than the Russian steppes - It’s a wonder they all come here to pay over the odds, with all that room for affordable housing.

‘Not much on.’ Says assistant manager T unnecessarily as I look at the barren page. Get too close to Christmas the viewings dry up and traditionally the valuations wait until after a fractious holiday period, when there’ll be an influx of matrimonial sales.

‘On top of the filing cabinets?’ Asks S. Momentarily I’m thrown, perhaps Christmas really has come early – but I realise she’s referring to the cheap oblongs of festive cardboard greetings she’s still wanting to display. Unless you can afford to snort Class A drugs to get you through the day, there are only so many snowy scenes you can tolerate.

‘Just somewhere where they won’t blow off all the time.’ I say tersely.
‘Nowhere near M’s office then.’ Replies T, to a tinkling of laughter. The fat mortgage man is nowhere to be seen. Since the latest round of mis-selling revelations he’s been keeping an unlikely low profile. Funny how our top financial services consultants used to win better basic salaries, flashier cars and overseas holidays for flogging endowment policies and payment protection and now their fact-find files are being retrospectively double-checked….

‘Alwight?’ Challenges an uncultured voice and I look up to see the sullen-faced hoody-wearing paperboy is in the office, proffering the local rag to loose lettings lush B.
B eyes him with distain. He’s in trousers, but the crutch is hanging round his knees, so even though it would take less effort for her to remove them, even she isn’t interested.

Usually the surly lad barely opens the door, before tossing the paper onto the floor. From this quasi-mute, the gruff greeting is almost The Gettysburg Address. He wants something.

‘And there’s a card and everythink.’ Sniffs the Neanderthal, wiping his sleeve across his face endearingly before tossing a cheap-looking envelope on the desk in front of B. I usually don’t mind an awkward silence, it’s powerful sales tool, but this one almost stretches to the New Year. B eventually mutters an unconvincing thank-you.

‘I’m back in tomorrow and right up ‘til Christmas Eve.’ Mumbles the lad as he leaves.
‘What was that all about?’ Asks S naively.
‘He wants a Christmas tip.’ Answers B disparagingly, as she tears open the envelope to reveal the cheapest card known to Christendom and tosses it to one side.

‘I could give him a tip.’ Says T, before suggesting something that would definitely not help my fragile back.
‘Little spunk bubble hasn’t said a word for eleven months.’ Snarls B unpleasantly. ‘Now he wants handouts.’

The deluded lad is too young to know much about the housing market and clearly doesn’t know our reputation. The average age of a first-time buyer might be pushing forty but he’ll be settled in his new home before he gets easy money from this firm of estate agents, particularly since the bean counter halved the petty cash float.

‘Hi everybody.’ Announces a chirpier voice and I look up to see the board man standing on the mat holding a tin of Quality Street. They’re not the most appropriate confectionery given our housing stock, but gift horses and hungry mouths….

‘That was nice.’ Says S, as M re-appears from nowhere and tears the seal from the tin.
‘And a card too.’ Continues S, holding up a picture of a Robin. Quite appropriate, seeing as I’m half-convinced the board man goes out nights pulling for sale signs down whenever his business is a bit slow.

Signed five more cards to be franked by last post - and was given three toffee fingers.

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