Boned
Well, I'm boned. I set up the Easy-Switch thing with the TD bank back in the summer hoping to get a free Ipod out of the deal. Well, after the bank screwed around and screwed around they wound up screwing me out of about 300 bucks in NSF charges at my other bank. Mainly because they kept on saying they were gonna have things set up so I never put money into the account in the old bank. I put it into the TD bank expecting the insurance payment to come out of there.
Well, it didn't. And so mainly because I was not diligent on this I am out the case and the insurance and no real way to get it back. The wife wants me to go yell and scream at the bank. However I am not a screamer and the whole thing is probably about 40-50% my fault. I am probably going to sick her on them as I have no stomach for this whole mess even more. I have even less desire to go with her and watch her become something less in her anger and frustration. I will give her the tools she wants to go do it but I don't want to witness it. I know sometimes she can get results but most of the time all it does is close options off to her because the people she vents on no longer have the desire to extend themselves on her behalf.
So, I'm screwed both ways. I'm out the cash, the insurance and now with the proper options having failed the options the woman I love wants to do I find......unpalatable. No wonder I haven't been sleeping at nights and been crabby.
Well, it didn't. And so mainly because I was not diligent on this I am out the case and the insurance and no real way to get it back. The wife wants me to go yell and scream at the bank. However I am not a screamer and the whole thing is probably about 40-50% my fault. I am probably going to sick her on them as I have no stomach for this whole mess even more. I have even less desire to go with her and watch her become something less in her anger and frustration. I will give her the tools she wants to go do it but I don't want to witness it. I know sometimes she can get results but most of the time all it does is close options off to her because the people she vents on no longer have the desire to extend themselves on her behalf.
So, I'm screwed both ways. I'm out the cash, the insurance and now with the proper options having failed the options the woman I love wants to do I find......unpalatable. No wonder I haven't been sleeping at nights and been crabby.
posted by Penalt at 12:34 PM
8 Comments:
You started this entire fiasco on July 2nd. The person in the bank set up the transfer for July 20th. You had to call on the 18th to ask why it was taking so long. And you had given them all the information in the bank in the first place.
It didn't go through and we were hit with over 70$ of service charges and over charges. From both the bank and Ickybicky.
So, either you or they called in August and it was supposed to have gone through for September. The excuse was that the second automatic payment wasn't certain so they didn't put it through.
I make sure there was money in the account. It goes through. I get pissed at TD. You say you're going to deal with it.
More phone calls. "Oh it's dealt with." Yeah, right.
Then in October, hit with overages and service charges. The 70$ is equivalent to a month's insurance! Ickybicky tries it out twice a month in case it doesn't go through the first time. Fourth time promised, this time by the bank manager.
And while you wait on your tushy for reprints from CIBC, it goes through again, but instead of there being enough in the account (we missed it by maybe 2 days), it bounces once and once only. It doesn't go through a second time because at that point - even though there is now money in the account - Ickybicky has cancelled the Autoplan 12. We get a bill in November for almost 700$ and I freak because that's our Christmas money.
Then on the 14th, we get one last bill from them for the 700$. On the 16th, we get the new insurance papers that I brought into the car and told you "they are in my red bag, you're going to want to read them." Which you then pull out and look at which you continuously deny since then. The difference in insurance was significant. I think we might only owe less than 200$ if we stick with that insurance.
IMO, TD owes us for our entire Autoplan 12, two ipods and all overcharges. But, of course, we'll be lucky if we get pennies from them.
And, well, since you don't want to sic me on them, I won't. You can handle it all yourself. I'll go back to getting an ulcer from dealing with all the bills and more.
Like I said, boned. With a big bone. I'm a bone head and I am paying for it.
No, I'm crap with managing our finances. I need a place where I can sit, stare at the bills, figure out what goes where and deal with them.
I can do this. Really I can.
I just sent them this: Back in July, my husband, (name withheld), decided to try your "easy switch" service because the add said "one direct deposit OR two automatic withradrawals qualified for an iPod."
Well, months later, it has cost us our car insurance because the easy switch never happened, at least 300$ in service charges from both the other bank and from the insurance company, nevermind the amount of stress that is has caused both my husband and myself. Your bank manager said that she'd "look into it" but we never got a reply.
That money we were charged in service charges and our insurance payment was our Christmas money. Because of what you have done, my children won't get the Christmas that had been planned.
This has messed with his credit rating, caused me undo amounts of stress, robbed (name withheld) of sleep and instead of being promptly fixed, has gotten exponentially worse.
I will never recommend TD Canada Trust to anyone even if you manage to fix this. We want our full insurance on the car paid and the overdraft on the other bank's account covered and not one but TWO ipods as an apology for the inconvenience and hassle we have gone through.
You can contact us either through email, phone or by written letter. Email: (email withheld). Phone: (number withheld). Address: (address withheld)
A disgruntled customer,
Like it'll get a response.
On the good news, I got an "apology" from shaw and arranged for payment for the 20th of next month. The guy "John" was very apologetic even though I refused it.
See, I can deal with CSR without blowing up at them.
Dear,
Anything you can get out of TD is yours to keep. Ipods, cash, whatever. Its all yours.
no one will reply. and really, its all yours to deal with.
I'm going to start cleaning out the other account of ours. I need you to make it a simple account only and instead of getting hit with 12$min/month in service charges. that way, once we pay off that overdraft, you can close it if you want.
I am so chocked at td it isn't funny.
Reply from TD:
From: Customer_Service@TD.COM
Date: Wed, 21 Dec 2005 18:25:34
Hello (name withheld),
Thank you for writing to us. I have forwarded your email to our Customer Care department, and they will ensure that your concerns are directed to a representative from the appropriate business area for further review and response.
Your feedback is important to us. Thank you for taking the time to bring your concerns to our attention.
Regards,
Nancy Fletcher
Internet Correspondence Representative
Like a form letter will satiate me. I want satisfaction, dammit!
well... its a couple of weeks later.
TD has fucked us over. And are refusing to fix the problem in the first place or any of the reprecussions caused by their uncaring and unwillingness to fix the problem in the first place.
After a "screaming match" with their manager yesterday - don't go there! - its pretty much decided that they are fuck nuts and don't deserve any more of our money.
So, as soon as we can get you there, hun, cancel your account and tell them to go bugger themselves. And they still owe us the iPod!
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