Irrational Encounters With The Modern World

Posts tagged “Bank Of Scotland

Banking On The Wrong Name – Part 4.

While I was passing my branch, I stopped in to see if they could help me – since my online requests were going in circles. I just wanted the “Esq” they had added after my name removed. Having ignored it for years, the final straw was when they addressed me with the suffix “Esq Esq”. There was the original complaint, part two, part three, and now – read on:

Hi [staff member’s forename],

Apologies for the delay in replying to your recent email. It has been a busy old time for me, and I plan to tie up some of your time by writing about it. For a start, I had to get a pair of glasses. I am not saying the Bank Of Scotland caused me sight problems, by forcing me to write so many letters on the laptop in a bid to resolve this once-trifling issue, but it is wonderful to finally be able to read what I am writing. Indeed, having read over my past letters prior to composing this one, it is heartening to note that I typed them all the right way up. I would hate to discover that the slight imperfection in my vision was the source of hitherto-unrealised embarrassment.

I hope you had a pleasant Easter. Personally, as a freelancer, I find it to be a huge inconvenience. There is a weekend in April – pick a weekend, any weekend; it varies annually – when suddenly everything useful is shut and everywhere else is uncommonly busy. Unless Jesus died on a different day every year, the whole holiday is a bit of a sham. Still, Easter Sunday was a good day for the Trussell Trust and the foodbanks it runs. On the back of an ill-considered article in the Mail On Sunday, their donations soared. I donated. I also rewrote the article to contain the truth, and it has now been read over 5000 times. Just think, five thousand people took the time to read something I wrote. If I had had a couple of fish and some loaves I could have attempted to feed them, which relates both to the messiah whose death we celebrated and to the nature of that Nazi rag’s disgust. How dare we feed the poor?

The following events took place on Tuesday 15th April, a day before you replied.

It was a great day for customer service, beginning with a visit from my postman. I missed a delivery on the Monday, and my parcel had been deposited at my local depot for collection. That depot is a four-mile round trip, and I usually make it on foot. My postman cannot possibly know that. Nevertheless, he did me a turn, and brought the parcel with him the next day in case I was home. I was. What a nice man, to save me that hassle. A rare display of exceptional customer relations. In addition, and again unknown to him, the parcel contained a trio of alarms – two smoke, one carbon monoxide. I ordered these after my good friend and next-door neighbour was nearly gassed, prompting me to finally get round to investing in this basic life-saving technology. So, to reiterate, the Royal Mail employee really did do me a favour, on a couple of counts.

My second encounter came with a visit to the local branch of a government office. How helpful the woman was! Although ostensibly there to enforce rules, we struck an easy rapport and discussed everything – from the failing policies of this unelected Tory government, to the Orwellian use of language in the way they now use nice names for things which are essentially draconian. We discussed the merits of Scottish Independence – I am strongly for it, to the point that I will be distraught if we do not obtain it, while she is undecided. To my mind, every “Maybe” is a Yes in need of just a handful more facts or just a little more easily-discredited Better Together bullshit. This country can be great, and I am voting not for a politician or a party, but for my country and the people in it. It is beyond evident that Westminster rule does not work for us.

I wondered if it would be possible to achieve the customer service hat-trick, and you were supposed to be the third encounter. Unfortunately, my email had not received a response. I refused to let that deter me, I knew Bank Of Scotland could do it if it tried. When I enquired of your Twitter colleagues how long I should wait, their reply – and yours – was swift. Too little too late, I am afraid.

Since I was out and about on a rare day off, I popped into [my local] branch to see if they could help me in ways you have not. It was unbelievable.

I was scarcely over the threshhold before Jane – I believe that is her name*, I went back later to ask, with a view to including it here – materialised, appearing in front of me like an angel. Could she help me, she asked. I truncated the full length of our correspondence, [forename of addressee], to the simple issue that started it all – I would like my name changed in your system.

Being thorough, Jane asked if I had proof of the name I wanted on my account. In a fortuitous turn of events, I had my passport with me, and duly informed her of the fact. I was led quickly into a small office, to elaborate on my request. Admittedly, although I do not recall doing so I think there is a very good chance that I handed Jane my card. This enabled her to find my account in ways you have not had the means to. I still question how you claim to be unable to locate my account, given the relative uniqueness of my name, but I will skip this for now – in the same manner that you have avoided answering that and other questions up to this juncture.

Within approximately two minutes, and I suspect it may have been less, Jane had removed the offending “Esq” from my account name. As if that was not enough, she then checked a quick detail with me, asking “does your phone number still end [last three digits]?”

Now, [forename of addressee], I cannot tell you how gobsmacked I was. You told me my number was not up to date, and did not respond to my questions about that. Here, it turns out, your company has had my correct number all along! Your searching capabilities are underwhelming, Jane found that detail so effortlessly that it left me incredulous. In trying to fathom this unexpected change in events, I blurted out “are you kidding on??”

Jane, equally nonplussed by my failure to comprehend how simple this task had been for her, laughed with me as she assured me the matter was fully taken care of.

[Forename of addressee], when I began formulating this letter in my head, I planned to say – perhaps partly in jest – that you have let your company down. I now feel that they have let you down. Why have they not adequately trained you? What does Jane, possibly in accordance with other customer-facing staff, know that you do not? Why are the Bank Of scotland keeping you in the dark?

This entire debacle has highlighted a complete lack of inter-departmental communication within your organisation. For instance, with regard to my phone number, you claimed it was both indicative of a “different geographical location” and “out of date” and repeatedly requested it. Do you know what I realised? I provided it, via private Direct Message on Twitter, before you ever read my initial complaint. It should have been passed to you, and was not. However, in that same regard, you later claimed to be unable to find the very number which was immediately retrievable when I went into the branch.

Were you trying to fob me off? You told me that you could not locate my account, then instantly said the number you held was suspect. How did you find a number for me while simultaneously being unable to find my account? That is no small discrepancy, and I like to have things in writing in case of such contradictions.

I have been wholly unimpressed with your responses thus far. You contradicted yourself, failed to defend that when challenged, did not satisfactorily answer any of my resulting questions, and sent very staid replies despite my attempts to inject humour into what has been a very tedious episode.

Can you confirm that, when Michael Schumacher injured himself earlier this year, they induced his coma by giving him some Bank Of Scotland emails to read? Frankly, I put far more effort than was strictly necessary into this communication, and have been left thoroughly bored as a result.

I would take this further, if I thought there was any point. Congratulations, incompetence and drudgery wins to live another day. You fought the battle well, successfully defeating the customer by blindly ignoring his questions asked on the back of your own inconsistent statements. Well done. They will probably promote you.

Yours,

Jordan R.A. Mills Esq Esq Esq Esq Esq Esq

PS: I have published my first three letters to you online. They have totalled 118 views. If you want to get anywhere near the 5000 views I reached at the weekend, you need to be far more interesting or drastically increase your contentiousness. Your previous replies are so dull there is little merit in reproducing them. They would fail to set the world alight even if soaked in petrol and used as tinder.

PPS: If you can find an up-to-date, geographically accurate number for [my local] branch, you should call it. Maybe Jane will share some of her warmth and wisdom, and reveal to you how she was able to find my own phone number just by – shock, horror – looking at the same records you have access to.

*Jane is definitely not her name, I have changed it for publication.

In addition, I received a letter in the mail the day after I sent this, in which the complaint handler announced a stalemate and said he was closing the complaint.

 

 

 

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Banking On The Wrong Name – Part 3.

My initial complaint and the first follow-up (part two) can be read by clicking those links.

My complaint handler at HBOS then sent me a letter in the mail, which I realised he probably would. I sent him the following reply today, and got an out-of-office response. He has not yet seen the letter published below. Not only am I interested in his response, I was looking through my correspondence with the company on Twitter and note that I provided them with my mobile number on the first day, alongside a request for them to contact me in writing instead. I will include that information next time, while chastising them appropriately for the lack of communication between departments.

Here is the bulk of the letter he sent me:

HBOS mailed letter

Here is my response:

Dear [staff member’s full name including his middle initials],

Thank you for your letter dated 8th April, which I received in the post today. I expected it, and had correctly anticipated that you would largely reiterate the content of your previous email.

I wrote in the first instance because I wanted you (that is, HBOS) to remove the Esq that you place after my name. It was, to my mind, no big deal – an outdated form of address that I have never personally used, it makes sense to rid myself of it. The timing – why now? – relates to a recent letter you sent which added “Esq Esq” after my name. Verging on the ridiculous, I decided to address the issue before I find myself in a roughly similar situation to Catch-22’s Major Major Major Major.

I imagined, evidently wrongly, that putting my very simple brief in writing would enable you to fix the problem swiftly, and all I wanted in reply was a note essentially saying “done.”

Instead, here we are – five emails, a dozen-and-a-half Tweets, and one Royal Mail-delivered communication later – and still no resolution. Furthermore, you have given me immense cause for concern on two counts. Firstly, as you are unable (you said) to locate either of the accounts I hold with you and, secondly, because you appear to have lost my phone number.

Please check again, my mobile number ends [last three digits redacted] and the Bank of Scotland has contacted me using it, in relation to my online banking approximately eighteen months ago. Your assertion that the number you have for me “is not up to date” does not wash: I was given that number when I took out my first phone contract, with Genie, in or around October 2001.

Genie was taken over by BT Cellnet, who became O2, now owned by Telefonica. It is how businesses operate, except that unlike this Lloyds Halifax Bank Of Scotland nonsense they managed to keep hold of my one and only contact number in the process. So, again, given that I have had precisely the same phone number for twelve-and-a-half years, please comb your records once more.

I hold a Current Account with you, which I opened within the last three years. I also have a Savings Account which was opened for me sometime in the early 1980s, when I was too young to foresee the hassle it would cause me thirty years later. You explicitly stated that you are “unable to locate an account in [my] name to make the appropriate amendments.”

I do not know what to say, except “try harder.”

I have two accounts, and one name. I have signed my name to every email in an attempt to make it easier for you. Perhaps a search for correspondence sent this month to recipients marked “Esq Esq” will bring it up? There are very few people whose name matches mine – especially not when my middle initials are included. There should be remarkably few people banking with you in the name Jordan (or J.) R.A. Mills.

I only wish I had the ingenuity of Alice Cooper, whose bank tried to find his account for him. “We have twenty Alice Coopers” they said, when the results were returned. He had the intelligence, grace, and wit to politely reply “Yeah, mine will be the ‘Mister’.”

A distinguishing name ought to be most useful at this juncture. If you will trust the medium of email then I can send you my account numbers and sortcodes across, but it worries me greatly that you cannot find them of your own accord.

“Feel free to call me with the information”, your letter cheerfully offers.

Once again, I am forced to state that I do not really wish to discuss this over the phone – it is not terribly convenient for me – yet you keep insisting it is the only way forward. Are you so bored or lonely in your office that you just wish to chat? Or maybe you read these letters and feel you have found a kindred spirit? Granted, we both sign ourselves with a pair of middle initials, there is that connection. However, I try to make my writing entertaining to read, instead of blindly repeating the company line in copied-and-pasted paragraphs while singularly failing to locate vital customer particulars.

I know my tone is cheeky, increasingly so, but I refer you to my original complaint. I was hopeful you would quickly make the necessary changes, and instead you seem to have misplaced some extremely important personal details. Not only have we reached an apparent impasse, but you have revealed negligence that borders on corporate incompetence. You will be aware of Data Protection legislation, and know that the loss or careless handling of secure  files would constitute a clear breach of the law. Find my accounts, and my number, and then you can phone me. Or, perhaps just quietly make the requested alterations as per my initial enquiry – no telephone conversation required.

I await your response with more interest than you pay on either of the accounts you have mislaid.

Yours,

Jordan R.A. Mills

(or, using the unwanted alter ego you bestowed upon me, Mr J R Mills Esq Esq)

HBOS number sent DM


Banking On The Wrong Name – Part 2.

After sending a complaint to the Bank Of Scotland, a digital receipt arrived in my inbox. The next two emails were short and professional, and I will relay only the relevant information prior to reproducing the additional complaint it led me to write.

At first I was hopeful, noting of my new contact: “As you sign yourself with two middle initials, and given part of the nature of my complaint, I expect you to be broadly sympathetic. However, I have stated (via the HBOS Twitter account) that I would prefer to be contacted in writing, and not discuss this over the telephone. They tell me they have passed this request on.”

It was nearly 5pm on a Monday, and an automated out-of-office reply arrived immediately. This stated that the complaint handler would be away until 9am that same Monday – a clear anomaly. I consider that to be fuel for the fire. Despite allegedly being away from his employment, he then replied personally:

“I fully appreciate your express wishes to respond to and resolve the complaint you’ve raised however, I’m unable to locate an account in your name to make the appropriate amendments. We do not recognise corresponding by email about account specific information as safe and secure.  As you have not provided a valid telephone number to contact you and the only number which I can find for you indicates a different geographical location, I am unable to safely speak with you.”

HBOS out of office

Gloves off, let’s go.

Hi [name],

Your Twitter team have already assured me that it will be possible to have this matter resolved in writing. If you look at how you addressed me in the letter to which I refer, then perhaps that will help you locate my account?

I hold two accounts, both under variations of my name chosen by your company and both suffixed unnecessarily as detailed in the missive to which you are responding.

I am uncertain as to why you are writing from a Lloyds TSB address, when my complaint is with HBOS. If all four of these banks are united then I begin to understand the recent political phrase “all in it together.”

If I recall correctly, HBOS has called me to confirm details in the past, with regards to my online banking. Somewhere, alongside the two accounts you are unable to find, you have my number on file. It gives me no faith in your company to learn that both of my accounts are invisible to you, and I am starting to realise why the man in the branch who set up my second account said it would be nearly impossible to amend my name in your records. You do not appear able to adequately check said records, let alone update them.

I note that the names on my two cards differ slightly, and both also differ from the way you address communications to me about those accounts. Unfortunately, as you “do not recognise corresponding by email about account specific information as safe and secure”, I am unable to reveal what any of these names are. Suffice to say they are variations on a theme. Personally, I always sign my name the same way – in the evidently mistaken belief that it might avoid confusion.

My phone number is in your system, and I am not responsible if you feel it is playing hide-and-seek with you. I am worried knowing that I have entrusted my money to you, if you cannot safely look after digits that do not even have financial value. Furthermore, I am questioning why you have written from a Lloyds email address. You may be quite correct when you say this is an untrustworthy medium.

Although I have replied with my tongue slightly in my cheek, be advised that it is only slightly.

Incidentally, my previous reply was met with an automated Out Of Office reply which stated that you will return to the office on Monday 7th April at 09:00 – if you are returning in the morning before you have left, then I envy your mastery of time travel.

Yours,

Jordan R.A. Mills*

*Here’s a clue, both of my accounts contain some or all of these letters. My phone number is in there somewhere. Good luck.

He wrote back by post, and I have replied to that too. Read it here.

HBOS Lloyds TSB Tweet


Banking On The Wrong Name – Part 1.

Bank of Scotland Esquire esquire, missing middle initialAbove: Correspondence received, click to see it in more detail.

Dear Bank of Scotland,

Or, to address you in the same manner you addressed your latest letter to me,

Dear Bank o Scotland outdated suffix outdated suffix,

I would like you to reconsider how you word my name, and amend your records accordingly. I use both of my middle initials, not the one you assign, with valid reason. I do not require the “Esquire” you add after my name, and adding two of them seems doubly unnecessary. One recognised authority on etiquette suggests you have also used it wrongly, by placing it at the start of a written communication.

My name is Jordan R.A. Mills and, dear god, the abuse I have taken for electing to sign myself that way. Since late primary or early secondary school it has been viewed as an affectation, lending itself to the wonderfully tedious game whereby people guess what those two letters stand for. You can imagine, I am sure, that there were never any flattering or complimentary suggestions. It took me a regrettably long time to realise that the best and most effective way to shut that down was to simply tell the truth; that it is not immediately apparent that I sign my middle initials as they stand for the forenames of my two grandfathers – neither of whom lived to see me born. Now who is the “rotten arsehole”?

There are three ways people write this moniker for me – some take my lead and copy it verbatim, some disregard both initials, and – most annoyingly – some abandon only one of them. When I was occasionally performing stand-up comedy, and with reference to the second two options above, I made this observation:

“I’ve never understood why people find it acceptable to just jettison a key component of my name.

I’d never dream of doing that to someone, just going ‘You know what? I was going to write his name, but Jesus I can’t be bothered so I’ll leave a couple of letters out.’ Whatever time that might save. Yet it happens often.

Thankfully the birth registrar and the passport office, whatever their flaws, aren’t that desperately lazy. So it appears to be my legally documented name. If I’ve made the effort, and taken the twenty-odd years of abuse for signing them, there’s probably a good reason for their inclusion.

It also annoys me on automated bank forms and the like, where it says ‘middle initial’ and only lets you enter one character.
‘I’ve got two middle initials.’
Well, in that case, please decide which of the two dead grandfathers you never met should have their existence acknowledged in our records – one, or neither.

If neither had existed I wouldn’t be here. If there was only one I’d just be half the man I am today.”

This will explain, I hope, why your letter addressed to “Mr J R Mills” has irked me to the extent that I am contacting you.

Furthermore, for reasons that lie somewhere in the early or mid 1980s when my maternal grandmother opened this Halifax Savings Account for me, you have always added an “Esq” after my name. I have never been entirely sure why, and when I opened my current account a couple of years ago I was informed that it would now be difficult to remove from your systems.

I accepted this, it being no great shakes despite you being the only company in my experience to ever append it. Attention to detail is important, though, and I find it excessive that you used it twice in succession. Perhaps you were trying to butter me up by calling me “Mr J R Mills Esq Esq”, or maybe it was a piss-take by your admin staff – taking umbrage at the first Esq and sarcastically adding a second? Either way, I am happy for you to drop both of them in future. I have no requirement to be titled in such a way.

Incidentally, while researching (a loose term I use to cover a look on the internet powered by a world-famous search engine) the correct application of Esq, I found a BBC article on the subject. To quote directly from it:

“Esquire is more formal than Mr, and only used in written correspondence,” says Charles Kidd, editor of Debrett’s Peerage and Baronetage. “It’s more old fashioned, and you would only use it on an envelope.”

The article continues with an example which, adapted to this situation, clarifies: the envelope would be addressed to “Jordan R.A. Mills, Esq” but the invitation card itself would read “Mr Jordan R.A. Mills”.

At least, that is my interpretation of it. Some other sites question the abbreviating of full names to mere letters when the Esq suffix is added. They agree, however, that Mr and Esq should not be used in conjunction.

The upshot of all of this is, I have finally decided to try and have your records altered. The change-of-name page on your website came up as “unavailable” when I tried to access it this afternoon. I found another way to do it once logged into my online banking, and read through the instructions. Unfortunately, among the list of acceptable forms of identification, you do not list a passport. My passport is the only recognisable proof that I have to hand. Hence this letter.

Please remove the Esq suffix from my name, it has been there forever and there really is no need for it. I am content to be a plain old “Mr.”

As for the rest of my name, please add my second initial (preferable) or remove the existing one. As stated, I do not feel it is in your jurisdiction to acknowledge or deny the existence of half of my male antecedents.

Your cooperation in this matter is appreciated.

Yours sincerely,

Jordan R.A. Mills

Bank of Scotland Tweets