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!
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?
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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