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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