Article by Claudia Luna Palencia:
http://esp.mexico.com/lapalabra/index.php?method=una&idarticulo=22091
THE POOR QUALITY OF PERSONAL BANKING
LEADING FINANCIAL SERVICES COMPLAINTS
SPIRAL COLUMN BY CLAUDIA LUNA
PALENCIA
For the spiral
The poor quality of bank staff
* leading financial services complaints
* We have a legal response slow
By Claudia Luna Palencia As
Mexican banks faced a process of metamorphosis was declining quality of staff, there was a deterioration in labor benefits were mined and what once was a secure job went to a scenario of uncertainty, austerity, increasing complaints about poor service and fraud ascenso.Los changes were evident for nationalization in the twilight of the administration of President José López Portillo, the mixed regime of President Miguel de la Madrid Hurtado, of privatization in the six-year rule of President Carlos Salinas de Gortari, and the bank bailout, plus the foreign hands of the payment system in the administration of Ernesto Zedillo Ponce de Leon and Vicente Fox.La substantial alteration of bank ownership, brought to other employees, with other qualities, lower training and, of course, lower wages with benefits reducidas.Es marked increase in the number of complaints about banking services. Something happens inside the branches of credit institutions have not kept under strict surveillance or quality control personal.Hace 15 was required to have a business career title or affinity in finance or accounting work in a bank. Today, the doors are open to people with careers truncated or interns to fill the various areas of the branches, to promote the recruitment of new customers in the areas of credit, credit cards itself, and join the ranks of customers their respective Afores.Quiero correlate these precedents and that a good deal of fraud against customers of banks arise within the credit institutions, which should be of a reliable and irreproachable moral liability on the essential role they play in society and there is an increasing economía.Cada cases of outright fraud and incredible, and the major problem is the loopholes to investigate in depth to a bank employee when clients ask to do it with the certainty that have been subject to internal theft or fraud. There is a loophole that lawmakers should address to allow Prosecutors have a greater capacity for action as soon posible.La malpractice law works too in the case of legal action connected with the banks. The bet is that the client end fed by the loss of time it involves a complaint or investigation and that will stop reclamar.Lo fatigue seen in hundreds of cases with people finadas left bank and the relatives claimed. If you have a contract that credits the account, the complaint investigation time and resources, is between six to eight months, but in the absence of the contract or the absence in the same document the names of the beneficiaries, the delay is higher at 10 meses.Luego there are other cases of concern, such as theft of money or jewelry safes of banks that engage customers in order to "protect" their most valuable assets of crime. In this column we have reported several anomalías.Otra way to act against customers is by altering checks. You may remember that in the spiral case write the check for 2 thousand pesos which was altered by blatant misspelling DOSE thousand pesos. Fortunately, after months and months, attained enlightenment and research respective employees with the subsequent demarcation of responsibilities for the return of client money. Gibberish
He writes Omar Alberto Velázquez Medina, to report an anomalous situation that is affecting the wealth and welfare of its familia.Omar has a checking account with BBVA Bancomer, and he says he was the victim of a fraud because he stole several checks from his personal checkbook that was delivered on May 4, 2005 in San Nicolas University Branch 0219 North in the city of Monterrey, Nuevo Leon, represented by manager Hugo Hernandez Vázquez.Los checks were cashed on the 13th and 14th May with the falsification of Omar signed by an amount that totaled 258 thousand pesos. According to the version of the hit, he received two check books, but he missed a 12 checks, which were subtracted from the block that was not in use, because Omar was following, as we all do, the consecutive number of low to high, and for this reason it was the turn of the checkbook dos.Omar number ensures that the 12 checks were stolen within the branch because those checkbooks only passed from inside his hands.
As you think, is that banks are safe places, then we omit actions such as checking that effectively display all serial consecutive checks and do not forget ninguno.Lo same applies to other types of mechanical operations that charge a lot of people when check at the moment does not have the money they are getting the employee of the box. Even if you took 15 minutes, do not leave the place or be removed from the view of the cashier the money away, do not know how many problems there by cash or money badly because of these branches are making counterfeits. Are all crimes that we have reported here cord.The fact is that Omar got BBVA Bancomer consider its claim until Aug. 16, on charges of theft of checks and signatures apócrifas.Por last I heard but so far not give no response to refund your money.
And justice is so slow, the Attorney General indicates that, even in the month of November, the experts can not get authorization from the bank to see the records internal or signed and cashed the checks, nor have the relationship in which locations were collected.
Omar The desperate situation of the damage could be any of us. Who protects us? Nobody. The Condusef has a limited capacity of action for legal authority and those who should have, we are the public ministries, they react so slowly that there seems to be collusion.
What kind of people look for our resources in banks?
claulunpalencia@yahoo.com------------------------------------------- All Releases ---------- ------------------------------------- -------------------------------------------------- Wed -------------------- November 9 2005 22:55:56 CT
Date: 2005-11-09
by: Claudia Luna Palencia ( claulunpalencia@yahoo.com )
Many thanks Claudia - Omar
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