🚀 go-pugleaf

Hi this is just to air my complaints so that all the rest of the gullible
consumers out there will watch out!

My complaint is about Scotia bank's poor treatment of students.
There's some regular service problems too, so read on!


These are the problems I have encountered so far:
1.  Scotia's student powerchequing account is supposed to cut the rate of 
    service charges in half for students.  This is only if you:

    a) go in at the beginning of the year and show them your new student card
       despite the fact that you spent ten years in lineups at their bank to
       negotiate a *student* loan with them
    b) don't use telescotia (scotiabank's new and exciting phone banking
       service)

2.  Speaking of telescotia, don't use it unless you go in and harass them
    to find out exactly what sort of service charges they are planning on
    slapping on you.  For example:
    
    a) there is no listing and no one ever tells you what the service charges
       are going to be for using this service (I personally am never using it
       again for services that I haven't used before!)
    
    b) I made a telephone transfer of funds from one account to another in 
       the amount of about $75 and was slapped with over $5 dollars in service
       charges for that ONE transaction. (this despite the fact that I am
       supposed to be a *lucky* student who doesnt have to pay full for 
       service charges!)

3.  Oh yes and lets not forget the fact that if a student has a power
    chequing account (who is so lucky to have half price service charges-as
    I was told by a customer service person once) they have the ONLY option
    of having their account statements sent to them by mail (a useless
    piece of paper) and under no circumstances can carry a bank book (I
    asked specifically)because those darned students just come in once a year
    and hold the printing machines up for 20 minutes! (as I have so been told)

4.  While I'm here I might also mention the fact that in Windsor, whereas
    a student used to be able to go into any branch and negotiate their 
    student loans (even the branch that is *near* the school)  This year
    Scotia has decided to make it easier on itself (and a pain for the
    students)  and moved all student negotiations to their main branch
    which is

	a) very far from the school 
 
	b) means that in the whole city of Windsor this year there were
           (count them) *2* people doing student loans for Scotiabank. This
           included waiting in line for about 2 hours because they also had
           to do the paperwork to MOVE the student loans over!

        c) it was also nice to see how VERY distressed the customer service
           people were to see more than 4 people in the regular lineups such
           that they rushed to open their counters to help get through the 
           overflow while about 15 students sat in line for over 2 hours. 
 

5.  Let's not forget the fact that in order to get a certain service from
    Scotia you have to know their technical banking term to get it done or
    pray real hard. One time I went into scotia and asked them if I could
    move money from one account to another.  The woman said, "No we can't do
    that."   The next day I went in and asked them the same question.  A
    different person said, "Oh do you mean you want to transfer funds?"  I
    said,  "Umm I suppose so" and *then* they did it!


6.  Oh yes and the clincher...don't ever use scotia's direct deposit if you'd
    like to see your money in less than a week.  Two weeks ago I made a
    direct deposit and 5 days later someone tried to cash a cheque that I
    had written to them.  While Scotia was sitting on their hands (and my
    cheque) they had the nerve to bounce my outgoing cheque!  The cheque
    was for 150 dollars and when I went into check my account, the balance
    was $195.... 


Thanks for listening and watch out!


--
Annette Demers            -"Come to the edge," he said.  They said "We are
U Windsor Law               afraid..."  "Come to the edge,"  he said. They  
az127@FreeNet.Carleton.CA   came. He pushed them and they flew. -Apollinaire