APRIL 9 2017
AUTHORESS LA FEMINA
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”
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.
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.
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.