I had the rather unpleasant task of speaking with Santander yesterday. I rang just to double check that I am on the best mortgage deal for my circumstances right now and wanted any advice on the options available.
‘Sorry Mr Howard, we aren't allowed to give advice’.
Well, thanks, just tell me what the bloody options are then.
So, after 10 minutes of discovering that my options were limited and useless to me I decided that staying with what I had was the most useful thing I could do, as it costs £900 for me to change onto another deal (I’m not even locked in, that was the admin etc fee.)
Anyway this, done and dusted led my new good friend at the other end of the phone to decide I was ripe pickings for him to try hard sell. So they aren't allowed to give advice but they are allowed to try and sell you products that you don’t want. Go figure, to whose advantage are they working.
So amongst other things, he wanted to sell me a cash back credit card. The conversation goes something like this:
“So, how much do you spend in department stores each month, £100, £150?”
“You must spend something?”
“Well I’ll put you down for £30 a month”
“But I don’t spend that”
“Well if you did spend that, this is the cash back amount you would get”
After some time and some calculations later, in which I started making hummus:
“So would you like me to sign you up for the credit card?”
“You make great cash back on things you buy”
“But I don’t really buy much”.
I wouldn’t mind so much if I had actually phoned up about that. Poor man, he should have quit while he was ahead with me as my answers became more and more monosyllabic. He gave up when I switched on the blender.
On another note, why oh why oh why does blogger keep on telling me that I have logged out at another location? I’M NOT LOGGED IN ANYWHERE ELSE!