Speaking of PB, i had a number of experiences (all unpleasant from PB)
Common things:
One of them started way back in Living in JB1 where basically the teller told me i cannot open a current account here as i am a foreigner.
Of course, her manager called her and she sheepishly took back the funds that she had pushed all over the floor (which i then picked up
and pass it to her) This was mentioned by myself and bros here a long time back but as long as you have a loan, getting a current account
or even FD becomes easier with some flexi accounts allowing you to even have combo accounts.
Then recently sent a lot of emails for them for one loan application, in the end the manager claimed i did not send any to him but all this
while myself and others have been sending emails to him, only those with no attachments got through. In the end had to forward everything
all over again to their private mail accounts.
By the way, agents/developers/bankers/lawyers here tend to use private or personal mail account as their corporate ones are usually throttled or blocked or have size restrictions/incorrect firewall/mail proxy/anti-spam/anti-virus settings on
their email accounts.
Last one, my relative had a new loan recently, their accounts/admin department called up the firm my relative was working at and demanded to speak with my relative's manager or boss. Without further verifying with my relative the name, etc of the supposed manager/boss, proceeded to verify the pay of my relative and proceeded to basically disclose to the entire office that my relative:
1. Draws a certain amount of pay and length of tenure in the company
2. Is buying a house in Malaysia and has other properties
3. Other details which were irrelevant to the loan nor to her job.
When asked, the manager did not apologise nor do any follow up and simply covered up with the story that the receptionist identified herself as the manager and that the bank representative (newbie) had done all she could to verify before checking for the information. My relative checked with the receptionist and it seems like straightaway the bank rep asked everything.
Yes, they do have a right to verify but the random calls and just asking anyone in the office and giving them information about my relative was wrong. They should have just called the right number instead of the mainline and start blasting away.
The newbie does not know better and probably was not adequately trained but the old bird or company should have kept things professional. Now the entire office is giving my relative a very hard time and today she called me late in the evening with anger. I have asked her to drop the matter to give my friend face but it seems she may have to consider changing role or to quit her job as some people are now giving her a hardtime as they know her pay, etc.
Not apologising and changing story + bank manager being rude did not help PB's case.
For the sake of my friend who recommended us PB, i will not name the branch here but guys/gals who are keen on getting bank loans, please learn from this and make sure to only give them your direct boss/HR director's number and no one else.
To be fair, I am sure these types of snafus are not just limited to Public Bank alone so again do beware when they tell you that they are calling you to check on with your company.
I had my fair share of an incident like this where a company i was buying a from basically faxed across all my details, payslips, income tax, bank statements, FD and stocks holdings to my company when i cancelled the deal as the car was not to dad's satisfaction.
Though they forfeited my deposit, i guess its a case of spite so they basically faxed it to my company main fax line not once but twice. Had a lot of knowing looks when i went to work next morning.
Bottom line is, there are a lot of induhviduals (credit to Scott Adams) out there who don't know any better, their bosses are either not paying enough attention or care enough so do beware when sending over your personal details to anyone.
Again using private email accounts in MY for business, even formal ones is very common here so its not a real red flag when your lawyer uses a gmail or yahoo or msn account to receive your documents.
Having a lot of challenges recently with kids health, business and work so won't be online as much as i like. Appreciate any help from bros here to continue helping out the newbies.