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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