That Bank

 

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APRIL 9 2017
AUTHORESS LA FEMINA

 

 

OPINION

Societies are not on average stable and safe –

Humanity is likely on the verge of returning to the mean,

and the mean is exactly that, mean

Thomas Hobbes

(1588-1679)

And you cannot get meaner than the ANZ Bank. When the going gets tough the tough get going. Life is getting pretty tough in ANZ land given they have taken to harassing clients by automation. For to my surprise and disgust I received a text message saying I was overdrawn. It seems that a paltry overdraft of some $250.00 warrants this behaviour. For having chosen to meet my automated payments from an account reserved for such purpose, presumably the rates bill, the ANZ bank suddenly had second thoughts on their ability to fund the said overdraft. The precariousness of banks is more fragile than I thought.

Knitting A

Such that my row of knitting was interrupted, not once but twice. For on a day thereafter, not content with a text message I picked up my mobile phone to hear an automated message from that bank. I hung up and then promptly burst into tears. I’m a sensitive soul at heart and to me this felt like harassment. I’m wondering how in fact the ANZ bank got my phone number – discerning as I am with my choices. I promptly marked the text message as spam but the phone call could not be blocked for it came up as an unknown number. How underhand is that!

Um…Harassment – I wonder what the definition of this is according to those that enforce – unwanted and uncalled for calls from anonymous phone numbers seems to me to fit the bill.

Such that the sanctuary of my home was intruded upon by of all things a Bank. The bank that has the lowest reputation in the market hence purchased the National Bank which had the highest reputation in the market; specifically friendliness and humility. But silly ANZ, you paid a price over market, for as any seasoned business executive knows you don’t pay a premium for a business and then change the essential stock – in this case it was the people that were the brand. And we think banks are well considered – Think again.

Embedded into the Australian culture that is the ANZ bank are the attitude and sentiments of the people who colonialised Australia – the convicts who were ‘exported’ from Britain. Whilst of English heritage, I too find the British have much to answer for in its treatment of people per sae and with all due respect to those ‘labeled convicts’ because they stole bread to satisfy hunger, something we will see more of in New Zealand, the desperation of the convict mentality is anchored in the Australian psyche. Ask any New Zealand Corporate who has endeavoured to set up shop in Australia and they will tell you that the similarities between New Zealand and Australia are not so similar after all. For when push comes to shove the Australians mean and aggressive streak is quickly revealed. For now firmly entrenched into the social and business fabric of New Zealand, they are finally showing who they are – and it’s not pretty. For the Australians trashed all that was beautiful in Australia – the wisdom and compassion of the indigenous peoples.

But returning to point I want to be very clear about quantifying the exact issue that prompted this writing and place in context. The ANZ bank has a mortgage over my property. The total debt against this property is less than 3% of ratable value. I repeat – less than 3% of ratable value. The amount is infinitely small in terms of both total debt to equity and well $250.00 is not a big deal for a corporate that is supposedly sound. I find this conduct both appalling and revealing. Banks no longer exercise judicious decision making, nor it seems basic common sense. It seems to me that ‘collecting debt’ as the call centre named it, by text and phone makes me feel I had placed my transactional business with a loan shark or finance company. There is one situated just around the corner from ANZ bank with the same blue branding – perhaps they forgot which set clients they were acting for that day. Little Red Riding Hood

Are they a related? One might expect this type of behaviour from a second tier lender but at least they call themselves what they are, whereas the ANZ Bank appears to me, to be a Wolf in sheep’s clothing.

Continue reading “That Bank”

Wellington City Council – I say STOP IT

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AUTHOR LA FEMINA

 

 

 

It seems to me that Wellington City Council has lost its humility with its attitude to residents increasingly officious. I speak to the Karori resident whose beautification efforts namely a hedge some seven years old that extended to the roadside verge was ‘marhouse-pathway-karoriked’ out by the council as unacceptable with an order made to remove it forthwith. What prompted this I asked myself at the time it was reported in the DomPost?. It appears the prompt was some leaflet delivery adult-male who did not like being asked ‘not to walk through the hedge’ but to use the lane by the letter box that provided access to the next door neighbour – the same lane the posties have been using for many years – grateful for the consideration of the property owner.

I now discover that this beautiful hedge has in fact been moved ‘under threat’ of an encroachment levy not withstanding as any gardener knows it’s the height of summer when one does not move plants – it places them under stress, thus they often don’t survive. However this finer point was lost on the Wellington City Council “Encroachment Advisor / Official, the signatory of the letter dated 1 December 2016 who made it clear who was boss around here – Absolutely Positively No Humility Wellington City Council. The result this beautiful hedge was felled. Tragic. Yet in the face of both the Council and the leaflet delivery – adult – man – child what was a woman to do? Continue reading “Wellington City Council – I say STOP IT”

An Open Letter to Fonterra Board of Directors

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AUTHOR LA FEMINA

“You can fool all the people some of the time,

and some of the people all the time,

but you cannot fool all the people all the time.”

Abraham Lincoln.

I write to express my views regarding the decisions made by Fonterra to imitate the branding of Lewis Road Milk. This decision epitomises corporate arrogance and its attitude towards ‘me the consumer’ treating people as unthinking and thus malleable suffice to deceive resulting in unintentionally buying your product. As any mother knows the shape of a bottle is the immediate dictate of choice hence you don’t store chemicals in your old milk bottles. I actually picked up a bottle of Fonterra’s Kapiti Milk then looked again and thought no this is not what I want and put it back on the shelf. The power of packaging is compelling. Fonterra has misjudged the ‘times we are living in’ where consumer awareness of these untoward practices has reached a tipping point such that they simply will not be tolerated as they once were. Continue reading “An Open Letter to Fonterra Board of Directors”