DIE, bank-scum!!!

Tell me, what is wrong with the people at Standard Chartered bank? Why can they not respect a customer’s privacy?! Do they have no ethics to follow?

My office-waalahs made me open up a salary account there recently, despite the fact that I have a perfectly useable account at UBL.

For the record, I’ve never applied for loans, or credit cards. I’d rather make do with whatever little money I get at the end of the month, than go into debt and end up paying through my nose in interest. Nevertheless, I got a call from the bank today — on my cellphone, no less. Here’s how it went:

Nervous Customer Services Representative (NCSR): ummm..Assalamualaikum?
Me: jee walaikumas salam?
NCSR: May I speak to Ms Urooj Zia, please?
Me: aap ki tareef?
NCSR: I’m calling from the Standard Chartered bank! *His tone of voice sounded more like he was announcing a lottery winning.*
Me: … and your point is?
NCSR: ummm … do you have an account here? *goes back to nervous hemming-and-hawing*
Me: Maybe I do, maybe I don’t. Why do you need to know?
NCSR: ummm … our records show that you have an account here.
Me: Tou phir why in hell’s name are you ASKING me if I have an account there?
NCSR: Woh … I was confirming…
Me: Why?
NCSR: *coughs* We … uh … have a promotion … a loan that you can get…
Me: *cutting him off* On the account-opening form, did I say you could call me on my cellphone about promotions and shit?
NCSR: … umm … yes..?
Me: Are you SURE?!
NCSR: uhh … no you didn’t… but we have a promotion!
Me: I know you’ve a job to do, so I’ll hear you out. Make it quick.
NCSR: Your salary is Rs so-and-so.
Me: WHY do you know that?!
NCSR: *ignores question* Are you on contract or are you a permanent employee?
Me: Permanent.
NCSR: Then you’re eligible for Rs whatnot as a loan!!!
Me: What’s the interest rate.
NCSR: Only 9.3%!!! And you can pay it back over five years!!! We’ll deduct the amount from your salary!!!
NCSR: YES! ONLY 9.3%!!!
Me: YOU’RE calling ME up to tell ME that YOU’RE giving me a LOAN that I don’t WANT at NINE POINT THREE FRIKKIN PERCENT?! Are you out of your MIND?!?!?!
NCSR: ummm… payable over five years …
Me: Goodbye.
NCSR: butbutbut!
Me: *click*

To people from Standard Chartered: RESPECT YOUR CUSTOMERS’ PRIVACY, RETARDS! I do NOT — I repeat: I do NOT — feel comfortable with idiots at your call centre knowing how much I earn per month. I do NOT like getting unsolicited calls about your shitty “promotions.” I do NOT want your money. LEAVE … ME … ALONE!!! IDIOTS!!!

No, seriously, aren’t there ANY laws against this? What does the State Bank have to say about such practices?

74 Comments so far

  1. silver (unregistered) on August 9th, 2007 @ 12:45 am

    WHAT!!! now we have an SCB apologist… so much for MQM here

    Morons… give them an identity and they will die defending it.. asswipes

    @SCBIAN try a new approach and stop whining … here is a hint support change

  2. Dubai key Bhai Log (unregistered) on August 9th, 2007 @ 2:08 am

    @ Ned, u rock bro !

  3. not_so_anonymous (unregistered) on August 9th, 2007 @ 3:57 am

    T H I S I S N O T B R E A K I N G N E W S

    I was working in Karachi at a software firm and I personally dealt with 14 banks as clients, the nature of my software was related to ATM networks and I admit, I had access to individual transaction details of each and every person who used the 1Link network :P I also had their personal info which goes with their plastic cards. Some banks were conscious about it that their employees should not have access to other’s private data, but really didn’t do anything. whereas here I was, an outsider, a vendor who was always outspoken by bureaucracy that they dont need additional ‘overhead’ to ensure true customer privacy and that we vendors r just looking to make more money by creating an issue ourselves.

    I dont know whether SOX compliance covers security, but even some banks who claim to be SOX compliant breach it all the times.

    My better half also works in a local bank and she can access similar info from the finance department as well without any rights or grants. so its not just an IT department’s privilege anymore….

    these things r to be dealt in consumer courts, do we hav any?????

  4. not_so_anonymous (unregistered) on August 9th, 2007 @ 4:00 am

    let me be clear, 1Link gives recommendations to banks what they should to ensure customer privacy, most of them dont give a damn about it.
    its all banking….

  5. SCBian (unregistered) on August 9th, 2007 @ 10:04 am

    @SYED JOHNY: You are once again wrong. Try updating your info before writing wrong stuff!!!
    @not_so_anonymous: Your better half must be working in a desi bank.

    @SILVER: Try doing something better coz u know nothing as it looks from your stupid comment.

    @Dubai Keh Bhia Log: Dude u rock!!!

  6. Jamal Shamsi (unregistered) on August 9th, 2007 @ 12:02 pm

    @SCBAIN – Give your valid cell number and you will understand what bother / P I A means, i will put your name on a list, and you will change ur number in 3 days, i promise,

  7. Jamal Shamsi (unregistered) on August 9th, 2007 @ 12:13 pm

    @Polani – “One trick i learned tell them i am outside pakistan and your roaming is on so they will be quite for atleast 1 month”

    when a GSM phone is on roaming :) the receiver gets charged for incoming calls not the caller :) – :D

  8. HITMAN (unregistered) on August 9th, 2007 @ 1:06 pm

    Those who think that by checking the “Do Not Call” info, u wont b receiving calls, well think again. I have never banked with ABN AMRO but have received calls from them a number of times. Rs. 50,000 – 500,000 ka loan avail karlain on this & this markup. WTH.

  9. HITMAN (unregistered) on August 9th, 2007 @ 1:08 pm

    Those who think that by checking the “Do Not Call” info, u wont b receiving calls, well think again. I have never banked with ABN AMRO but have received calls from them a number of times. Rs. 50,000 – 500,000 ka loan avail karlain on this & this markup.

    This also proves that banks or atleast the CSRs do exchange customers’ information.

  10. SCBian (unregistered) on August 9th, 2007 @ 1:34 pm

    @JAMAL SHAMSI: Why do u want me to change my cell number? I am already on a couple of lists. Just chill!!!

  11. TPS (unregistered) on August 9th, 2007 @ 4:21 pm

    @not_so_anonymous: Lemme call ya. How dare ya to reveal our secret???

  12. Silver (unregistered) on August 9th, 2007 @ 5:28 pm


    Dude get a life and stop scanning individual bank accounts… perhaps some day they will make you go through customers undergarments too … you would defend that wont you?

    Perhaps they will ask you to scan some big hairy man’s underwear… your ultimate fantasy

  13. Kar-Achi Battian (unregistered) on August 9th, 2007 @ 8:34 pm

    I once got a credit card from SCB by mail, without even applying. I did not activate the card because I did not want it. Come next month, and I was handed the card statement with Rs.4000 charged on it for annual charge. I was lucky that I opened the statement before due date.

    Called CS and asked them to cancel the card and the guy told me you have to clear the account first. I said I didn’t even activate the card. But he would not listen

    So went to the branch -I am telling you it wasn’t the pretty scene. Took the manger to the task, didn’t have any mercy for such crooks. Eventually, he said I would have to give them an application in writing to cancel the card and reverse the charges. I said, when did I write the application to get the card. Why on earth should I write the application to cancel it now.

    At the end the Manager asked his guy to write the application and I agreed to sign it (at least this I could do)

    They were quite amazed why I am making so much fuss for a card with such a high credit limit. 4000 was supposed to reverse if I had spent 5000 in 3 months.

  14. Concerned (unregistered) on August 9th, 2007 @ 8:36 pm

    I am really surprised how many ppl have posted here, over a useless conversation that somebody had with their bank.

    Get a life guys.

  15. raza (unregistered) on August 9th, 2007 @ 9:23 pm

    its ok for some companies to know how much you make.. like credit cards.. unless they know exactly how much you make.. they cant tell for sure what kind of a limit they can offer you.. that and the government.. for tax purposes

  16. Dubai key Bhai Log (unregistered) on August 10th, 2007 @ 12:40 am

    Next we will hear, when someones husband spanks her or she has a fight with her granny, shes gonna post the details here so we can “comment” on it.

  17. SCBian (unregistered) on August 10th, 2007 @ 1:15 pm

    @SILVER: Dont bother to write when you cannot differentiate between whats wrong & right. Grow up dude!

    @CONCERNED: I agree. This is not coming to an end.

    @Dubai key Bhai Log: Cool dude!!!

  18. Syed Johny (unregistered) on August 11th, 2007 @ 11:16 am


    I dont know why u think personal privacy is a useless topic to u !!
    In USA incidents like this is a crime and the customer can sue the bank for it !!!

    whether u agree or not! My statement of the last post is true!! U can see by other people experiences!! simple! During my days at Citibank Credit card dept, I had encountered hundreds of such cases, There were cases in which people canceled their card ! but were repeatedly sent with a new replacement and were even charged for it ! and when the customer refuses to pay ! they report the person as defaulter to te statebank ! after which the person becomes un-eligible for any such services from any bank !!

    @ Dubai kay bhai log !!!
    I can see! the type of environments u live in !!! I pity the Females of ur family !

  19. Mehreen (unregistered) on August 11th, 2007 @ 6:57 pm

    I FEEL YOUR PAIN!! you know whats even worse?! when you’re sleeping and they decide to wake you up at EIGHT THIRTY the ONE DAY YOU DON’T HAVE TO WAKE UP EARLY! And ask you if you want a loan to get a house or a car and you just want to SCREAM YOUR LUNGS OUT AT THE IDIOT!
    Plus, I don’t agree with everyone in the bank knowing exactly how much you earn just because you have an account there!!
    They manage to get in touch with you when ever they want, ironically enough however when my ATM/Debit card got stolen I had to wait for a full 45 minutes before I could get hold of a representative to cancel my card.

  20. Syed Johny (unregistered) on August 11th, 2007 @ 7:15 pm

    misplaced priorities ! :)

  21. Imran (unregistered) on August 11th, 2007 @ 9:31 pm

    Judging by the number of responses i’d say u’ve struck a nerve among the kArachi MetrobLoggErs.
    Go girl! :-D

    But do be patient, the salesman dude at SCB was just doin his job :) Kinda intrusive on his part, i know, but it’s still a job.

    Maybe a “no thanks, over and out” would suffice? :)

  22. Bolshevik (unregistered) on August 11th, 2007 @ 9:37 pm

    NOS! Banks are corporate oinks. I have a *thing* against capitalism. :-P

  23. SCBIAN (unregistered) on August 13th, 2007 @ 10:16 am

    @SYED JOHNY: May be Citi does it as per your statement but this does not mean that all banks do this.

    @MEHREEN: Why didn’t you simply ring the call centre to get it cancelled instead of finding someone for 45 mins?

  24. Anonym (unregistered) on August 20th, 2007 @ 5:42 pm

    Hello All,

    This is not a small thing. Banks leak this information without any curtesy and to very low grade, leechar people working for some 3rd party marketing company.

    I would like to tell you a similar BUT much serious case (of mine) in which the guy used to send me obscene sexual messages and similar sort of phone calls. I had to put up with this for a hell long one month until I (got) him tracked to SONERI BANK. Finally he had to loose his job and this was ended. But it was very stressful for me.

    I think a threat of banking mohtasib will do the trick for you as it is of a very small scale.

    However I still think that our personal details should be kept private and should not be leaked just like that even to very low level staff of banks and 3rd parties.

    State bank should make proper rules regarding this.

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