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This is not a bank, it's worse, it Desjardins (Part 4 of 4)






Part IV - Tale of a Thousand and One Nights

Ali Baba and the Forty Thieves, one of the most fascinating stories of tales of 1001 nights! A story where we see the solidarity of the thieves cave where they hid the proceeds of their crimes. My last story justly speak of solidarity at all levels of the company, yet to give birth to a misdemeanor (if not a crook) signed Desjardins.

So-so-so!

A horror story that happened to one of my close associates, too "persona non grata" in the Desjardins movement, and various victim of villainy in recent years. In short, the client simply wanted to learn about a transfer service. During a discussion with Access Officer D, it clearly asks "Is there a fee? "And the officer replied with" I think so, no ', without more, or tell him to learn his body. For the customer, "I think not," it means "no", especially in the tone of voice that the officer took. For you and me too, I guess. If you come see me and ask me if I come with you to the tavern and I say: "I think not," you understand "no." In short, no need an IQ of gifted and find out! Nevertheless, it is an intelligence level too high for anyone who works at Desjardins. The client will learn quickly at his expense.

The day itself, a confrontation ensued with the credit of the customer. Indeed, the desired operation (worth about $ 65) of the costs demanded $ 30, despite the find Access D has secured the free operation. It was also too late to turn back because the transaction was a condition sine qua non for a contractor abroad at the conclusion of a contract. However, the fund defended himself by citing his client offered to other alternatives for the transaction. Nevertheless, it was written very clearly on the contract that only the banking operations were possible for him, and no other. Stakeholders of the fund have all seen the document and read the words. To cite a parallel example, if I tell you I have a car running on diesel and you offer me a super or ordinary, it will not work! If you do not believe me, try to see! Short, reluctantly, the customer had to pay. He immediately returned Access cons D. Saving you the details, this case was far and climbed to the office of the ombudsman. At all stages, workers Desjardins protect each other, like young kids who made a bad move. Indeed, the irony is that the defense was "I think not, it means yes! .

Allow me a moment to escape! Imagine you're at Desjardins and you are asked embarrassing questions. You answer "I think not" and voila! For most ordinary mortals, "I think not" is " no "but mean" yes "Desjardins! Consider a few examples: "Is your wife that you are mistaken? - I think not! "Will you ever been on hard drugs? - I think not! "Do you hide the children you kidnapped in your basement? - I think not! .

History shows, as I said earlier, went up from the ombudsman. We know that, normally, an ombudsman must remain neutral and independent in solving a dispute, and has power to make recommendations. In this case, the client never expected the response he received. Indeed, rather than ruling on the facts and take a position on the dispute as such, the Ombudsman has spoken rather personal attacks to the client, among others, by mocking its curriculum but also reminding him that He has previously filed complaints (remember he is a "persona non grata") to Desjardins, and it was enough to dismiss the complaint, and he understood that his body was irritated to receive blame when the client was done crosser.

Allow me one more sarcasm. If you are an employee in a box, I'll probably surprise you: it normal that a customer is not happy when one is lying to him when he asks some information and that reality is not what he said, especially when the lies cost him money! In summary, my dear Mr. Ombudsman, it's still not the fault of the customer if the various services of Desjardins will always lie!? So why do you blame him or her? Instead, you should see the complaints as a warning that not everything wrong with you, especially your customers are treated like crap (let's call things by their name).

In summary, the Ombudsman said the decision to support the fund client does not repay the $ 30 fee!?! Yet since the beginning (and it was even clear on the papers of procedures), it is not at its local bank that the customer wants is access to the service D! Like what, even ombudsman Desjardins is a human and is bound in solidarity to protect the others scheming Desjardins, or it simply is not immune to intellectual blindness.

Some ask me if there are legal remedies. In this case, it is clear that Desjardins has violated several laws without a shadow of a scruple. By example, several sections of the Act on consumer protection apply. Unfortunately, this is not the mandate of the "Office" of consumer protection to deal with such complaints. Meanwhile, some tell me about the Financial Markets Authority (AMF). This complaint is admissible in principle. However, the big flaw in this organization is that it has no coercive power, and especially that it takes the agreement of both parties to involve the AMF. In this case (and surprisingly), Desjardins continued to use his bad faith to deny the presence of the AMF. Finally, the only remaining possibility would be an appeal to the Quebec Court, Small Claims Division. The problem is that we do not go to court for $ 30. It is technically possible, but legal fees are higher. So there is not much to expect from this side.

The moral of this story: Desjardins will NEVER admit its twist. They prefer to spend a fortune on continuing to pretend to be right, including attorney fees, rather than pay a lesser amount (ie the amount in dispute) and close the file. It is no wonder that, according to a leading professor of law (That ethics prevents me from naming them), Desjardins is one of three financial institutions in Quebec continued. Perhaps one way to "buy" are huge donations to the community which Desjardins like to rub his belly. Frankly, credit unions are not the first crooks do so. I like so much fun recalled a colleague, Pablo Escobar (the former drug lord in Colombia for several years) was very charitable to the poor. But in the case of Escobar as in the case of Desjardins, one can not call these generous impulses that as unsuccessful attempts to feel good. That may be the only way they can sleep at night! On the other hand, remember that these grants are funded with your money. In short, you might be bled by your body, you're forced to do more charity!

This summer, while strolling through the streets of Montreal, I saw a new ad campaign Desjardins. We put a picture of an individual air prosperous, and we wrote a surname (eg, Bedard) in white on green background (the colors of the Credit Union), just next to the logo Desjardins. Considering all this evidence and my personal experience, I want to add mine!

I'ma poor lonesome cowboy

You understood by reading the title of the conclusion, a hero of my youth, it was Lucky Luke. Who does not remember the end of each episode where we see the solitary rider singing and going on horseback to a sunset. It's a bit like all those members of the Caisses Desjardins who find themselves alone in front of a giant who ignores and exploits into believing he works in his interests. In short, a member of Desjardins goes to other lands. To stay on topic adventures of Lucky Luke, in almost every episode, we saw the Dalton attack a bank. Today, times have changed! Proof, the thieves are on the other side of the counter. It is likely that fund managers are Dalton today. Why not: they have everything to thrive (ability to break laws, arrogance, carried on the money)! The question I ask myself, considering all these stories of demagogy, incompetence and institutionalized cases of scam relate to Desjardins, is Joe (the brain of the band) or is it Averell (the idiot of the group) who occupies the chair?

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This is not a bank, it's worse, it Desjardins (Part 3 of 4) This

Part III - It happened again near you

Still macabre stories featuring the Caisses Desjardins

In the end account

A user of a certain age went to the counter to pay her internet bill (Globetrotter). He went on the Friday before the deadline (next Monday). The following month, he received his bill with penalties for late payment. He immediately called Globetrotter for information. It is said that the payment was received two days after the deadline. He insists he was paid to the fund, and has the receipt. Globetrotter told him to come to terms with her body. With perseverance, the user could get the cash pay late fees from his pocket. Unfortunately, this blunder of the fund has earned a spot on the back of Globetrotter that consumer.

Mind you, this is not only counter a similar situation can happen. Consider this example. As each month, a user paying his phone bill by check (technology of the time). One day he receives notice that an account and charge him late fees because he was missing $ 0.26 in the previous account. Intrigued, he called Bell and inquires. He was told that according to their records, missing $ 0.26. The user assures that he paid the correct amount in full, and the check has passed into his account. After a little investigation, the error came from an employee union that has made a mistake manually by entering the amount to be credited to Bell. The good news is that Bell has canceled the late fees. The bad news is that the consumer had to pay back another time the $ 0.26.

machine back

An ulterior objectives of the funds is to gradually eliminate paper checks from circulation. A case has found a way to say the least unusual! In fact, they decided that people believe that the machine check is broken and it would cost $ 11 000 to fix it and that, of misery, the fund has no such money or $ 30 000 for a new machine! So those who want to check must order quantity of 100, and it cost over $ 50. (Indeed, applying the law of supply and demand, supply is reduced, and therefore equivalent to an application, we increase the price). Of course, this is not true, but it looks like it's coming "of the federation."

Always at your service!

When you call in a government department, the agency must notify the customer absolutely the possibility that it is registered, if so. If no mention is made in this regard, there is no record. The customer calling a course the right to refuse to be saved. A client has learned this summer that, despite no message or warning has been made about the possibility of being saved, he was without his knowledge. When he found out, he expressed his displeasure of course. A clerk told him three times that the customer is warned that he is logged in the messages, which is false. But we already know, an employee Desjardins is formed to lie to the public. Needless to say also that the recording violated his privacy. This, according to the Commission on Access to Information is unacceptable and demonstrates a clear lack of professionalism. The more absurd the story is that the recorded content was part of a dispute, and people who listened Desjardins said the recording continued to deny its contents. The council pro: when you call and you do not want to be recorded or listened to by one third, demand (the message says or you may not be registered) does not to be. The law requires them to respect your choice.

Dissatisfaction guaranteed!

Never hesitate to look elsewhere for your insurance. You have nothing to lose and more insurers are willing to do all kinds of bows you have. Sometimes, even without asking for, it is easy to get satisfaction. A young man about 20 years wanted to insure his car. Since Desjardins describes itself as a company close to its members and warm and not a bad bank that wants to make a profit on the back of his clients, he will see at Desjardins. He was offered $ 500 per year. Dissatisfied, he will see the side of the National Bank and he was offered the same assurance and the same coverage for $ 290. Question: for whom do you my colleague took his insurance? And that, between the National Bank and Desjardins wants to make money on the backs of its customers?

Remaining in the insurance field, let me tell you another absurdity. Without going into details, I'll give you some technical vocabulary. The divergence is a situation where the insurer and the insured do not agree on the scope of coverage. Generally, insurers will argue the insurance contract; assert the insured according to its initial request (the proposal). Moreover, case law goes further by including in the proposal any special requests made orally, with insistence, to have a blanket. An article of the Civil Code of Québec provides that in case of any discrepancy, the proposal that faith, unless the insurer has sent a separate document stating the items that the insurer will not cover (art. 2500, Civil Code). In practice, it happened very often (almost always) that the claimant wins his case on point, in the courts. These details were essential to tell you where lived below. One of my colleagues (a persona non grata, as elaborated earlier in the paragraph " rebellion ") had called a representative at Desjardins (also obsessed with the nationalist card-gogauche Desjardins, the bulwark against evil private companies who want to make money). He wanted travel insurance. It raises several questions and requires a lot of inclusions to the agent with whom he discussed on the phone. Everything seems to be going well, the answers are clear and the customer feels confident. He must also remember to give the exact dates of his trip, so to save a few dollars. Upon receipt of the paperwork, there is NO separate document from the insurance policy. It includes anything written into the policy jargon insurance, but knowing section 2500 of the Civil Code, he understands that he has no divergence. A few days later, he got his tickets and recalls Desjardins to give the dates of departure and return. He took the opportunity to ask the officer a question on a blanket he had requested during his first appeal (which the insurance agent was approved). The caller replied: "But sir, you do not have that coverage. . Surprised, he insisted that it had been discussed and approved by the agent. The officer responds not. The client asks if he knows the Article 2500 of the Civil Code. She hesitates and says it is still possible to cancel the contract (height of chance, which had already been paid, the amount of $ 375).

Dissatisfied, he calls his travel agent who told him they are dealing with a competitor, and that it provides all the insurance (with the inclusions you want, and even a little more) for nearly $ 100 cheaper. The client does not hesitate and immediately shrinks. Subsequently, he called Desjardins and tell them to cancel his insurance. The clerk asked why. He replied: "Because regarding my contract, you refuse to obey the law. " She replied: "The law?? Us? . The customer speaks briefly of the statutory provision discussed above, and the clerk does not know what to say. In short, the contract is canceled and the customer is proudly repaid. In a final twist, a Superior Insurance Desjardins calls later in the day. He asks: "I heard that you had a problem with our insurance? . The customer replied, "Oh yes! The one I expire! . The manager replied, obviously disappointed, "Oh, you canceled? . In short, the client says so. The leader recognizes the validity of the Civil Code section in question, acknowledges that it applies in this case, recognizes that the customer would win in court if there was an appeal, but refuses to follow what the law prescribed. Under these conditions, it is clear to the customer that he can not do business with a company that flouts the law. He also took the opportunity to say he found a $ 100 insurance for less at a competitor. The officer reluctantly admits that travel insurance side, they are not actually competitive! Finally, the agent states that hope that despite this incident, the customer will continue to have confidence in the products and services of Desjardins!! The client, who has advised on several true stories (some presentations here) responds with a "yiiiissssshhhh! . Pro Tip: For your travel, please inquire at your insurance agency best suited to your needs, according to them, especially the price.

Ping pong

A client of Desjardins concerned about the deterioration of service and who also suffered a few bumps (including explanatory paragraph on lines of credit), was always respond one incident to another: "It's the federation that decides." Disgusted, he decided to write to the Fédération des caisses populaires Desjardins, as his body seems to constantly point the finger. So he wrote a long letter he e-mailed to express their discontent and discuss the unlikely situations that went on. A few days later he receives an email informing Desjardins after having read the email, the Federation has called his credit union to see what it was, and as the customer had already complained to the fund in the past, it was useless to go farther! Stunned, the member replied that if he took the trouble to write to the Federation, it is precisely because the body does not move and he wanted clarification on the case of species that has suffered. It remained unanswered. Pro Tip: Words fly, writings remain. But sometimes the phone is more effective than email.

Suite and end in the next episode!

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is not a bank, it's worse, it Desjardins (Part 2 of 4)

Part II - It happened near you

Maybe you've heard of the work of Belgian cinema of the early 90s. Excerpts: Drug for Heart and Social housing

Moreover, this film won an award at Cannes in 1992. The film: a pseudo-documentary black and white where the main character speaks candidly of his philosophy of life, his environment and his family, while fun to commit bloody crimes with a smile, without scruple or remorse in front of the camera and crew that accompanies it. Well, my turn to hold out horror stories, Actual reported by colleagues who have lived. All this it happened near you .

Rebellion

I wrote earlier that the troublemakers are often victims of retaliation. Believe me, I exaggerate nothing. Some people have written to tell me about their misadventures were actually problems, especially at the level of customer service and information, having dared to complain or talk to the general membership. In short, those who speak become personae non grata. The best example: the Coalition of Victims of Credit Unions has been pursued by the Mouvement Desjardins after reporting questionable practices. I invite you to read and http://www.radio-canada.ca/nouvelles/06/6682.htm http://www.radio-canada.ca/nouvelles/10/10653.htm . It is indeed surprising to see how Desjardins is its members. Because a recalcitrant member, seeing relations deteriorate with Desjardins, responded to a charge of a service that was highly dissatisfied Desjardins of Desjardins services. The caller replied " Well go to your body and close your account, it will make us happy! .

Student Loans

Dear students on financial aid as soon as you complete your studies, hurry up and ask your body (which will probably transfer you to the center of student loans - is now centralized) and tell you if the amount shown on your statement from the Ministry of Education (MEQ) is good and no other amount will be indexed. You do not know maybe, but Desjardins will be capitalized arbitrarily a certain percentage of the student loan (note, they have the right, it was confirmed by the MEQ) you must repay with interest when you heard your institution will be responsible for payment. In other words, Desjardins will "forget" to tell you that you must repay a larger amount of money. At the same time, remember that you have 6 months from the end of your studies to get along with your institution in terms of your loan. I want to remember because one month after graduation, an employee of the credit has twisted his arm to a member to reimburse the earlier loan. (Reminder: Generally, new graduates are unemployed at the end of their studies).

In the same vein, if you ever get a precarious waiver that ensures that the government gives you another 6 months before you start repaying your loan, upon receipt, contact your financial institution to make sure they have received a copy of said notice. The reason: banks often do not open their mail. Proof, a member received a call from a credit union manager, three months after receipt of said notice, being told: "We should us to agree to your student loan (it can be more familiar terms), your period of six months after the end of your education is complete and the interest is compounded. . The member said he has received a waiver and the fund manager said: "Oh, I do not know. I have no document to that effect. "

Disadvantage Student Line of Credit

Those who qualify for the credit line "Student Advantage" have a lower rate on a line of credit as individuals. Always check the rates on your opinion because it may happen that the body changes its rate, one month to another, depending on fluctuations in markets, but perhaps also because the fund manager did not know that you're still in school and that they will have imposed a margin rate of credit. Of course, interest paid in excess will not be refunded.

weak of heart, refrain

One of the worst cases of unimaginable incompetence! One Wednesday evening after a stop in an automatic withdrawal Desjardins, the card reader has a breakdown and the slide does not work. The card remains in the machine. The user calls technical support immediately. It ensures that a team comes to the moment and he can resume his card. The user is transferred to another clerk, for further information. The second attendant tells her that no, there is no technical team and will have to wait until tomorrow (funds closed early!). Dissatisfied with the situation, (we shall see, lying is a sport with Desjardins), the user returns to the fund associated with the window the next day and resumed his card. It should be noted that the fund in question is not the same as the user is a member. On Friday evening, after spending the day quietly at home, the user goes to the store to a regular operation and he wants to pay with Interac. Surprise! The map does not work! The user is rushing to call tech support and was told that his card is simply disabled. This user has been notified by anyone. The clerk tells him it is the user himself who asked to disable the card. The user throwing a tantrum (legitimate) because this is obviously not the case. The boxes are closed on weekends, the user must wait until Monday for his box (which has disabled the card) can reactivate it. The user then took advantage to put a few complaints. Monday finally arrived. The user calls the first hour, but must leave a message. In the afternoon, the head of our recalls victim's body. She tries to make him believe they tried to reach him to tell him (which is false), and after him said they did not contact her (which is also wrong), saying that ultimately 'they do not feel have the duty to notify. In short, we are only lying to him (as usual). The user file further complaints thereafter, which will go nowhere. A few months later at the general membership, the member comes in and takes the microphone and used it to denounce the situation which he suffered. The director-general of the union said it was unaware of this history. Moral of the story: if you ever make your dining card, check with your cursed at the box if you are going to clear it, especially if you have been restored. The boxes were given the right to terminate cards for no reason and no need to tell the user concerned.

Openness

A member should make a transaction at the checkout. That was no surprise to see the opening hours from 10am to 14h, Monday to Friday. Yet 95% of people working at this point, no? The funny thing is that the transaction in question should be closing his account because he had previously des caisses Desjardins!

loan sharking

If you are ready to take on a car, you first inform the different rates, bank to another. At checkout, they will not hesitate to put you a loan at 17% and you impose the rate of life insurance and more (even if in fact you do not have to take it). Remind them also that 17% is the rate personal loan rather than a car loan.

Irrelevant?

There are cases of employees who respond oddly to their members. A credit union offers a no-fee account provided you have $ 1,000 or more a month (this will soon no longer the case, for that matter). This user is entitled to $ 0.13 interest on $ 10 000. By questioning the cashier on this preposterous to say the least, it responds: "But sir, you save costs $ 6.95 per month with a balance of $ 1000 and more! . The moral of the story: it's more profitable to keep his money in a shoebox at home!

To be continued ...

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This is not a bank, it's worse, it Desjardins! (Part 1 of 4)

People my age probably remember the ubiquitous Desjardins, already in grade school. Art Contest sponsored, school fund (this is important to spare!) etc.. It idealizes the body, it tells the story of Alphonse Desjardins in a cartoon in the newspaper, we are told that before the credit unions, Quebecers were rotten economy, but thanks to them, Quebecers have become Leaders savings and finance (???). Whatever we were able to send flowers, it is clear that the institution is not what it was. Alphonse should even be turning in his grave. We are entitled to ask questions to the demagoguery and the current practices of what was once called a cooperative.

The National cooperatism

Everyone knows that a bank is a "mean" private enterprise. Since Quebec is left self-proclaimed alternative Desjardins and defender of the people posing as a cooperative. We must be honest, this was the case initially. They were really the members who made decisions and being a member meant something. And now? Desjardins is "a bank like the others." Most members do not receive an invitation (one of my colleagues told me that he never received any information to this effect for 12 years) and assemblies are not quite shown. Decisions are made in haste. For those who have been in a meeting, you surely remember the expeditious manner in which the "debates" are animated. Already, we do not say too much about the whys and wherefores of a situation and the reasons why the board of directors of a union to take action. That is: "Look, we want to do that. Questions? No? Then it passed! . Nobody dares to come forward as they have not enough information to get points or alternatives. Anyway, the reality, I will tell you (and besides, a senior officer of a credit union has confessed to one of my colleagues): decisions are taken by the federation and the unions must apply. However, unions have a duty to swallow and endorsed by its members. Yes sir, yes ma'am, it's called a co-op!

But however, it is incredible how this institution is praised and played the nationalist card to the max! Desjardins describes itself as one (or even LA) pride of Quebec entrepreneurship. In short, I'm shocked every time the average Quebecer is left blind and ultimately be fooled by anyone acting on his little nerve. People follow, blinded or hypnotized! Wake up! You get fucked! Get fucked by a Quebec company or a company for that matter, it remains that it is to get fucked anyway and you will never see again your money! Certainly, the issue of sacred cows of Quebec nationalism is an interesting topic for further investigation. Anyway, back on topic.

Bank charges are truly become a plague in the banking world, and Desjardins there is certainly no exception. In fact, everything is computerized. Unions merge to save costs. 20 years ago, unions have pushed consumers to obtain debit cards, saying at the time that it was free! Now that people have become "addicted" (for we must admit, it is convenient Interac card), Desjardins closes the cage lobsters and traps the consumer with costs still higher, year after year. This is one situation that was raised by the group "Option-consumer", following the announcement Desjardins increase of $ 1,000 to $ 5,000 minimum monthly balance to enjoy a free pass. Question: Given that profits Desjardins are comparable to those of major banks, is it really necessary to charge? For those who took the time to review the financial statements of a union, they will see not. Unions are already profitable without the expense. The trick? Probably lull members into giving them more discounts? A simple mathematical calculation for everyone is enough to reach the conclusion that, as calculated by the cash rebate a small percentage of the fees paid by the user (and not all), the latter will always lose out.

Besides, let's talk about the alleged kickbacks. Each spring, Desjardins announces with great advertising costs that the cooperative will pay approximately $ 600 million in rebates (which represents less than a fifth of annual profits. Balance? Probably in the pockets of administrators!). There are about 3 million members of credit unions. A little calculation shows that on average, each member receives a $ 200 rebate per year. In fact, some colleagues have shown their statement indicates they have received about $ 0.50 rebate annually. Again, where is the balance? I prefer not to think about. Yet this has not prevented a completely silly TV ads in 2002 or 2003, a man who embraced the ATM after the filing of his famous rebate. This has also followed the big-budget color brochures with statements like: "With my discount, I'll travel this year," "With my discount, I pay my student loan," "I invested my rebate in my RRSP. Certainly, there are those who have ambition, with their roughly 50 cents! What is even more absurd is that the banks have all created in recent years (still on the order of the federation) a special reserve, capitalized interest, to give some more discounts during the lean years ! I leave you free to your conclusions ...

Before you criticize me of being "whiners" and not being constructive, I want to tell you that I have a solution for you! The fund could reduce costs and decrease proportionally to nothing rebates.
1) The body gets a tremendous competitive advantage and can boast of being the only financial institution without cost, and so people garrocha home;
2) A credit to members says that thus, they are winners (vs. fee rebates) and they will no longer lose money unnecessarily;
3) Because each box has a special fund discount, the member will still have some money (as is the case now), maybe a little more depending on the year. Mind you, the banks do not give refunds. Then the funds will still have a competitive advantage!

Unfortunately, it's a pipe dream to believe that it could happen. If instead you believe, so hurry to go to your meetings and offer the cash alternative.

In sum, the fund, by its claim to be a cooperative and its abuse of nationalism is neither more nor less than the Soviet penchant of modern banking. It is fine to call it a cooperative, the member did, in fact, very little power except that of being the architect of his own misfortune. Moreover, as the Soviet Union, dissidents who dare to stand up and speak against the fund to the General Assembly that have problems later.

Stay tuned!