Any Suggestions???

[anonman]

As a member of bank staff (though hopefully not for much longer!! hee hee!), I would be interested to know what customers would like to happen when they exceed their overdraft, bounce a cheque or anything else naughty?

 

For instance, when there are insufficient funds to honour a cheque, would you prefer the cheque returned without charge, or to be paid to save embarrasment but incurring a penalty?

 

If banks were to scrap penalties altogether, would you be prepared to pay a small service fee if the bank had to phone to advise that you were about to go overdrawn?

 

Any idea's (Polite ones please - no telling me where to stick the charges!! )

[ladybird17]

and may I please ask why, if you are shortly hoping not to be a bank employee, you would be interested in this information?

[anonman]

you can if you like...

[anonman]

I ask out of general interest of customer perception. Having worked in the bank for 4 years and listened to peoples demands, I would like to know what alternatives are suggested. And, may I ask, what is your opinion?

[Guest NATTIE]

I think people have had this discussion before but i still do not agree with simply passing someone off because of their intial first post. I would think interest on the amount overdrawn if it was being paid or a charge of roughly £2.00 or a sliding scale depending on how much the amount being returned is.