Originally Posted by bbclassics:
“That sentimental tosh bank advert - Lloyds TSB. The one with the slow mo. Stop telling us you care about us - you're a bank, not Hallmark cards.”
Exactly! Most banks are scum. Out to get every penny out of you that they can! We have had a few run-ins and altercations with banks in the past. One example is them asking us if we wanted a 'health plan' to pay for dental and opticians etc, and we said NO because we had one through my husband's employer.
5 months later, I noticed a payment coming out of the bank for £33, that I didn't recognise. (Didn't have internet banking then, and worked long hours, so that's why it took that long for me to spot it; it was when I was combing through the last few months statements looking for something else. ) ANYWAY, it turns out that the cheeky bastards had only gone and set up the plan anyway!
Oddly, even though they set it up, not only without our permission, but also without us signing anything, we had to put it WRITING that we wanted to leave the plan! AND we had to give a month's notice!
Another example is, our bank called us in 'for a little chat to talk about our accounts and to see what they can do to help us.' I went alone as my husband was working, and they tried to scare me into taking out a 'spouse safety' plan, (something like that!) They said if my husband suddenly dies, all 3 accounts will be frozen and I won't be able to get any money, for possibly one or 2 months, (and the same goes for him!)
So this plan will pay out £1500 to keep us going until 'everything is sorted.' It was going to cost £25 a month EACH! (£600 a year!) for this plan! That was a big fat lie, as all 3 accounts are joint accounts, and I can access the money whenever I like (and so can he!) And the same will apply if one of us dies. Lying scum! Trying to con us AGAIN. I do have a few more examples, but that's enough for now!
Originally Posted by David166:
“"I'm 32 and I've never smoked".... Shut up you mug. Wifey in the background putting laundry in the washing machine......"I'll go ahead...".... Life insurance for suckers!”
That is super annoying, and that fella - the dark haired one who has a baby girl with him - is a TERRIBLE actor!
And yes, most insurances are a rip off and a waste of time! Me and my husband don't have any insurance, except car insurance which we HAVE to have, and home contents which is only a tenner a month anyway, and breakdown cover at £7 a month. We even cancelled our pet insurance for our 2 cats, when it went up from £29 a month for 2 cats to £55, because our elder cat hit 8 years old! (The other one is 3 years younger, so within 3 years it would have gone up to about £75-85 a month!)
We have had cats for 15 years, and have never claimed on the insurance, and everything like flea drops, worming tablets, inoculations, and spaying etc, aren't covered anyway! Plus, when our younger cat had a little operation 3 years ago, it only cost £170 in total. Our excess is £80! So it wasn't worth claiming!
Our bank account is £700 a year better off now, and the money is no longer going in the pockets of the insurances company! Plus, I discovered there were loads of things that weren't covered, and things like ongoing payments for diabetes or epilepsy that they said they would keep paying out, stop when they have paid out a certain amount. Basically, they make sure they only pay out for about a year to a year and a half.
Originally Posted by best boy:
“"We give you £125 just to switch accounts."
"So, what will you do with your £125?" (the bloke asking the question would be wise to invest in a suit. One that fits.)
Then, at the end of the ad. the 'small print' flashes up. You have to sign up to the Halifax 'Ultimate Rewards' account. £15 per month. So they've got their money back in 8 months. Oh, and it's not open to anyone who's switched since Jan. 2012.t?”
Yeah, PLUS, £125?! That's not much of an incentive for ME to swap banks... offer 2 grand and I'll consider it! They all have multiple millions tucked away that the government gave them with the 'quantitative easing,' so they can afford it!
Originally Posted by
BellaRosa:
“That drink drive ad where the woman wants her drunk husband to come and pick her up from a night out. He ends up in the doghouse because he refused.
What sort of information does this send out ffs!!!! Why is the man the bad person in this ad. He is preventing death by drink driving. Why would the makers think this is a good ad 
”
I don't think I've seen this one....