Credit West Bank are now at it!

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
06/07/2009 11:13

It's bad enough not getting the correct change at the supermarkets but when the the Bank is following suit, a little worrying. Just paid my monthly Belediyesi bill, 27.30TL and received 2.50TL change. I asked for the correct amount but was told "Little money". To which I replied "Lots of little money makes a very large amount of money"! To no avail!



Richard

zerochlor


Joined: 03/04/2009
Posts: 4024

Message Posted:
06/07/2009 11:17

you should of told her to pay the 0.20 krs to ur bill it would of shown up as a credit

Navek



Joined: 01/06/2008
Posts: 2656

Message Posted:
06/07/2009 11:21

Hi zerochlor,

I've tried to do that before,

you're as well talking to the wall :-(

Where does the extra money go at the end of the night?

Navek

zerochlor


Joined: 03/04/2009
Posts: 4024

Message Posted:
06/07/2009 11:23

charity maybe !!!!

guidosp1


Joined: 30/12/2008
Posts: 341

Message Posted:
06/07/2009 11:30

i would not leave a supermarket or a bank until they give me the right change.

they making a small fortune every day with the excuse that it's small change. they cant understand our point or they dont wont to. tc think we are just golden hens and we must be ripped off.

guido

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
06/07/2009 11:44

If a thousand customers pass through all their Branches a day and are over charged by 20Krs this amounts to 200TL. A very good night out on the tiles!



Richard

joandjelly


Joined: 24/02/2008
Posts: 2953

Message Posted:
06/07/2009 12:32

So when they balance their tills at the end of the day the "overs" will go into a suspense account. Nice little earner which is actually theft. I would go and speak to the manager and demand your money no matter how small the amount.

ROBnJO


Joined: 30/06/2008
Posts: 1289

Message Posted:
06/07/2009 12:44

Usually when Credit West bank are mentioned we get a nice reply from a member of staff telling us how good their customer service is,........









Any response yet Credit West??

yorgozlu



Joined: 16/06/2009
Posts: 4437

Message Posted:
06/07/2009 14:12

Sorry guys but its not just you they do it to,but to themselves as well.I dont think any harm is meant in it,they are just used to doing it like that.I used to get ennoyed but I watched the locals,and its no different.I do see your point dough

Wiser


Joined: 30/07/2008
Posts: 796

Message Posted:
06/07/2009 16:27

They used to give you boxes of matches here instead of small change!! Either that or some really horrid sweets.

breezyboy


Joined: 14/05/2007
Posts: 1179

Message Posted:
06/07/2009 18:46

Are we talking 8 pence here?

Are things that bad in TRNC?

If it is the principle of the matter then you are really short of things to do!

Pay your bills by D/D and have the exact amount deducted from your account.





1000 people per day- so which TRNC bank can handle that many people in a week?

Turkbank in Karakum would have difficulty doing that many in 3 months and then how many of them need 20k change?

kelvin


Joined: 18/12/2008
Posts: 377

Message Posted:
06/07/2009 19:27

no offense richard but id personally be embarresed to ask for it, and some of the sweets you used get, and still do, i thought were quite nice. Im with you on this one breezyboy, mind you 8p is 8p..!!

ROBnJO


Joined: 30/06/2008
Posts: 1289

Message Posted:
06/07/2009 19:34

How about you suggest they 'round it down' in your favour?





I don't need the sweets,... fat enough already!



Rob

NatAless



Joined: 31/03/2009
Posts: 789

Message Posted:
06/07/2009 19:35

I agree with message 1 & Brinsley it's your money little or not and they should give you the exact change, as you say it all adds up, think about it next time you get the dolmuş or need something and are .25/.50 out will they let you off? Maybe, but you might not feel comfortable about paying less, I certainly wouldn't or expect anyone to take less even if it is 'little money'

It is the way here and in Turkey but I do think it's wrong and out of order and nothing to do with hard times why should they keep the extra coins afterall it's your money!

Natx

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
06/07/2009 20:05

breezyboy



Have a problem reading English? BranchES, plural! in addition, to set up a DD account there is a 15TL fee to facilitate each utility outlet to source funds and though having over 6 different types of accounts in various currencies and types there of, I prefer to wheel & deal in Stg. My choice! So a few times a week I get off my derriere and walk to the bank! Not so lazy, I think!



Richard

Jetski


Joined: 21/07/2008
Posts: 584

Message Posted:
06/07/2009 20:48

Blimey Richard - you walk from your place to Credit West in Karaglanoglu?..... ;o)

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
06/07/2009 20:54

No, silly, they have one there, one near the first Tempo and another on the other side of Town heading out towards Kapas way. Also, there is one in Nicosia. Hence branchES!



Richard

lovingcyprus


Joined: 02/03/2007
Posts: 1272

Message Posted:
06/07/2009 21:38

Play them (shops etc) at their own game, if your bill comes to say 20.60TL just give them 20.50TL they will and do accept that.



Problem solved!!!!!!!!!!!!!!!!!!!!!

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
06/07/2009 21:41

Not the point, that's cheating unless you are happy lowering yourself to their level!



Richard

breezyboy


Joined: 14/05/2007
Posts: 1179

Message Posted:
07/07/2009 13:51

No trouble in reading English at all Brinsley.

I was adding all the branches together and they still couldnt handle it. When I said which TRNC bank I didnt mean a single branch but the bank as a whole. Maybe there is one more efficient than the three I am with!

How many people out of the few they can handle are there to make this sort of payment? When changing cash they all give me the exact amount, worthless washers and all.

Like I said you must be short of things to do, I would pay the set up fee although they dont all charge this fee rather than sit in a bank half the day when I for one, have better things to do when I am in TRNC.

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
07/07/2009 14:05

At Credit West I have never waited more than 10 minutes however, change is not always exact as they are speeding through customers at lightening pace and not as vigilant than your bank waiting half a day to get your dosh out!



Richard

CreditwestRep


Joined: 04/11/2008
Posts: 214

Message Posted:
07/07/2009 15:05

Hello everyone apologies but I am unable to keep up with whats being written everyday so if you have any gripes about one of our branches and a shortfall in change let me know on pazarlama@creditwestbank.com and I will come down on the cashier like a ton bricks, this is not standard pratice and is not allowed. If you obtain the name of the person concerned and email it to me privately I will investigate and get things corrected immediately.

pinkchilli


Joined: 30/11/2008
Posts: 689

Message Posted:
07/07/2009 15:54

I "have a feeling in my waters" that this post will be closed very soon.



Possibly with the reason "Thread addressed, no need for further postings"



LOL



PS. For all those thinking.... No I do not want to be a mod. They never win.

ROBnJO


Joined: 30/06/2008
Posts: 1289

Message Posted:
07/07/2009 17:16

CreditwestRep



Thanks for your response.



Rob

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
07/07/2009 17:26

Just emailed you.



Richard

spider


Joined: 03/01/2009
Posts: 5527

Message Posted:
07/07/2009 17:40

God Richard...I do Hope this man is not dismissed over such a short amount of change..Perhaps a charity box,and an anouncement of yearly donations may help credit west put things right..Most banks in England do this,and it is public for all to see.



Spider,X They may have to put note on box saying all short change is put in here.!! keep popping in and see how full it gets..

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
07/07/2009 18:00

Cypriots and in fact Asian people tend to be less "money oriented". 50 kr (0.50 TL) is hardly worth talking about and anything less than that is just ignored. If we are given 25 kr change we take it but if not we never mention it. Indeed it is considered bad manners to ask for it. There is no right or wrong in such things, its simply a matter of attitudes and difference in culture. Sometimes we gain and sometimes they gain but we never quible about it. Indeed we prefer to be underpaid rather than overpaid with small change.



I remember a news item on Turkish TV many years ago. This little boy wanted to buy icecream from the mobile van in the street. He got it but he was a little short of money, say instead of 1 TL he had only 0.75 TL. The icecream was taken back from the boy. This happened in Switzerland. It would never ever happen in Turkey or Cyprus.



You may say that the Swiss icecream vendor did the right thing and taught the little boy a good lesson.

ismet

westender


Joined: 14/05/2009
Posts: 328

Message Posted:
08/07/2009 01:10

I've never had this problem in Turkey though, always given the exact change even if it's just a couple of kourus.

Think it is a culture thing as I could see ructions in Tesco's if not given the exact change. I work in a charity shop and most customers still put their hand out for 1p change, only a few will ask you to put it in the box.

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
08/07/2009 11:21

Ismet



You missed the point. Are you saying that It's okay to get riped off for a small amount but complain like hell when It's a large amount? Is not the principle the same? So Bill Gates gets 'taken' for £100, should he worry?!

Credit West have yet to reply to my email, surprise, surprise! It was not a teller but the floor Manageress who should have known better!



Richard

eager


Joined: 23/02/2007
Posts: 1272

Message Posted:
08/07/2009 14:07

Brinsley, Out of order sir !!...............Creditwest have replied to your post on msg 22

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
08/07/2009 14:47

eager



They have not replied to my EMAIL as stated. Reading a problem? Should go to spec savers!



Richard

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
08/07/2009 14:57

Just had a courteous reply from Credit West by email!



Richard

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
09/07/2009 00:17

Just picked up a second email from Credit West wanting my phone number, which they hold on file!

Could this be a clandestine date getting me out into the real World?! Watch this space!



Richard

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
09/07/2009 07:36

Msg. 27 and 29

Richard,

I have not misunderstood you at all. I know that you are after the principle and I have given you the example of Swiss icecream vendor. He was after the principle too i.e. he wanted to teach the small boy that he cannot have something unless he has the right money. I can give lots of examples to demonstrate the difference in culture. We go to a restaurant and the Cypriots hardly ever question the bill or examine it closely to check for any mistakes. Of course the customer has every right to scrutinise it but we simply don't do it. So you have customs on one side and principles on the other and the way you mix them is different in different cultures.

ismet

joandjelly


Joined: 24/02/2008
Posts: 2953

Message Posted:
09/07/2009 17:22

So is it usual practice to give or take a few kurus in a bank then Ismet? I can understand a shop/restaurant/ice cream vendor making a commercial decision to do this but it just does not seem to be professional practice in a bank especially when paying bills on behalf of a third party institution. Are you really suggesting that I could go into a bank and underpay my electricity bill by a couple of kurus? I really do not understand how banks balance their tills at the end of the day if this is normal practice.

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
09/07/2009 17:29

Still awaiting the phone call, really hoping for a date but not sure where to go so they can splash out 20Krs on me. Any suggestions?



Richard

CreditwestRep


Joined: 04/11/2008
Posts: 214

Message Posted:
10/07/2009 12:46

Brinsley I am not always in the Girne area and will call you when I know I am visiting that day. This subject appears to have been blown out of all proportion and the feedback I have is that when a cashier does not have the exact change they normally offer more than the amount as was the case here. Most customers are not concerned about 20 kuruş but it is their right to be paid the minimum amount due, so if the cashier cannot pay 20 kuruş they offer 30 kuruş not less, they cannot refuse to pay and are under strict instructions not to short change anyone, as this does not fit in with the policy of our bank.

spud1


Joined: 22/05/2007
Posts: 544

Message Posted:
10/07/2009 12:53

hi creditwestrep. i have always had first class service in your bank never been short changed. get a life you lot stop complaining. spud1

mahdel


Joined: 28/05/2009
Posts: 255

Message Posted:
10/07/2009 14:12

this occasionally happens to me, but it also happens in my favor as well as the bank/market's. If it's something like 22.60 i'll pay 22.50 and that's that. I think it probably evens out in the long run.

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
10/07/2009 14:23

Just to answer a few questions in one go:

Transactions are done down to one Kurus i.e. two decimal places, so one kurus is 0.01 TL. The trouble is that its value is very minimal and the smallest money we have is I think 10 kurus. I do not remember seeing 5 kurus for ages. Since the transactions are down to 1 kr. but the smallest coin is 10kr. there is bound to be some discrepancy in accounts but the system should take care of it.



Now a bit of nostalgia. My father (RIP) was a tax collector. He would spend most of his time in the villages, going from one village to another and he would invariably be the gust of the Mukhtar of the village. At the end of the month he would come back home and I remember him sometimes working till the morning in order to find out the missing or extra kurus or "piaster" as it was called. One pound equalled 20 shillings and one shilling equalled 9 piasters in those days. It was out of qusstion to make up the shortage from his own pocket or put the extra

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
10/07/2009 14:30

ctd.

put the extra into his own pocket. Then we changed the money and one pound equalled 1000 mils i.e one shilling equalled 50 mils and each piaster became 5 mils because now they had 10piaters to the shilling. So far so good but what about half a piaster? Oh no, it must have been a fourth class colonial British civil servant in charge who decided that instead of having two and half mils for half a piaster we had 3 mils instead i.e. it was worth just over half a piaster but people used it as half a piaster for all intends and purposes. The end result was that it was impossible to have the accounts properly any more. So a couple of shillings too much or too little for one month was the norm. They must have a similar situation with the banks.

We always had fun with the bus driver from my school to Nicosia. The fare was 3 piasters i.e. 15 mils. some students collected all the 3 mils and thus 5 of them would make a total of 15 mils but the bus driver always asked for another 3 mils. As far as he was concerned each 3 mils equalled half a piaster, so he wanted 6 of those for the journey!!!

ismet

Brinsley


Joined: 04/04/2009
Posts: 6858

Message Posted:
10/07/2009 14:34

elko2



Next you'll be quoting currencies in Groats!



Richard

elko2



Joined: 24/07/2007
Posts: 4400

Message Posted:
10/07/2009 16:28

Richard,

The principle is the same no matter what the money is called. We can even go beyond and deal in barter, the principle still holds good i.e. it may be impossible to get the exact change and thus have to forego the small increment

ismet