Retail banking

Bank errors can be funny at times.

However you have to notice how retail banking is not human any more. All decisions are down the the computer and even marketing to customers is as well.

If you are close to into your overdraft the bank will send you pamphlets on loans, if you are in credit they will send you details on savings and investments. If you swing between being in credit and into debt you get both.

It is a computer program that is deciding what to do, no human assessment. I asked not to be sent any letters by my bank (paper free banking as its called) however that does not apply to their marketing department who know I own a house, have a mortgage and need insurance.

Also go into your branch and the chances of getting help are determined by how well the adviser can operate the computer in front of them.

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