My Kbank Experience

[geronimo]

4 minutes ago, talahtnut said:

Yes, I had a surprising experience with K bank, on

transferring money from UK account, I had a phone

call from K bank in the afternoon suggesting the transferred amount had reached the peak rate

would I like it converted now.

Haven't used ATM since 1990 when it was B20

a go.

After reading all the scary posts, and other things

considered, I'm thinking of a nice holiday in UK.

 

Don't do it! The UK is much worse ... trust me on that one!!

[spiekerjozef]

You will get a round of applause from me as well.

Nice one...

[richard_smith237]

5 minutes ago, geronimo said:

10 minutes ago, talahtnut said:

Yes, I had a surprising experience with K bank, on

transferring money from UK account, I had a phone

call from K bank in the afternoon suggesting the transferred amount had reached the peak rate

would I like it converted now.

Haven't used ATM since 1990 when it was B20

a go.

After reading all the scary posts, and other things

considered, I'm thinking of a nice holiday in UK.

 

Don't do it! The UK is much worse ... trust me on that one!!

 

ALL banks can be a proper PITA to deal with at times. 

 

The one thing ALL banks are good at?... Reminding you its not really your money they are holding... 

[potless]

Geronimo, you could have simply threatened them with a poem. Out in no time.

[geronimo]

Just now, potless said:

Geronimo, you could have simply threatened them with a poem. Out in no time.

You're right! I'll write one and save it for the next xxxx I have to deal with .....

[CharlieH]

I opened an account with TMB a little while ago, they refused at first stating the work permit thing, but I said no I'm retired and showed the visa etc. She went off to the Managers office came back and no problem.

The interesting point here was that during the opening of the account she only looked at the passport NOTHING from it was recorded.

She only used my Thai ID Card and Yellow book for numbers etc. and recorded that info, so my passport is never needed now at TMB when I do anything,

[geronimo]

1 minute ago, CharlieH said:

I opened an account with TMB a little while ago, they refused at first stating the work permit thing, but I said no I'm retired and showed the visa etc. She went off to the Managers office came back and no problem.

The interesting point here was that during the opening of the account she only looked at the passport NOTHING from it was recorded.

She only used my Thai ID Card and Yellow book for numbers etc. and recorded that info, so my passport is never needed now at TMB when I do anything,

I'm guessing you showed her your 8 dots .....

[scorecard]

5 hours ago, geronimo said:

I must have been a nasty xxxx in my previous life. On reflection, a letter from TVF confirming my POTY status would've cleared this up!

My example is a couple of years back, my Thai accountant in Chiang Mai (was my MBA student, now has her MBA, she's a qualified lawyer and soon will have her Ph.D. in Science in behavior).

 

She speaks perfect English, has established a quite successful company: accounting, law and business development consultancy. She has many foreign clients who recommend her service to newbie business owners.

 

She took a new client to the bank (Thai bank) to open accounts for clients new business, personal savings acccount for farang partner of new company and to apply for CC cards for business and for client.

 

Bank lady sets the tone by saying, it's only 30 minutes to my lunch time, why do you come to the bank at this time? Accountant ignores her and asks her to proceed to open the accounts etc.

 

Bank lady puts a number of forms in front of the farang (so far she hasn't acknowledge that the farang is sitting there), and tells the Thai consultant to tell the farang to sign all the documents. Accountant / consultant says NO, because:

 

- 'The forms are all blanks and I don't ask my clients to sign blank forms'.

- 'The documents are 100% Thai language, no details whatever in English'.

 

Bank lady says it's the bank procedure that 'customer must sign first', and says 'it's illegal in Thailand for any bank or other official documents to have any English language'.

 

Consultant pulls some forms from her bag, forms from the same bank, different branch' all in English and indicates she will call her Ph.D. coaching class buddy who is a senior manager from the same bank, speaks perfect English, to get some confirmation of what the bank lady is saying about illegal  procedure, etc.

 

She calls her Ph.D. buddy, he confirms it's not bank procedure and says it's Thai law that banking documents can be in Thai, English or Chinese and all Thai banks must use all 3 languages as needed. He's in the same city on business and asks if it would convenient for new customer and accountant to came back at 3.00 pm and he will personally take care of the documents.

 

Bank lady now says she has to go home. Within a few moments the branch manager has had a call from the visiting senior guy to instruct the local manager and the service lady to be available at 3.00 pm.

 

Bank lady resigns on the spot and walks out. Local manager now tells the accountnat she is very rude and she is a troublemaker.

 

Meeting at 3.00 pm proceeds with all documents completed quickly, new client and accountant leave the bank.

 

Within a couple of minutes new client gets a call from the bank senior who strongly apologizes. Senior bank guy also speaks to the accountant and says the local manager will be been reassigned to a senior clerical position and says there will be training team visit that branch for 3 or 4 days from Monday the next week.

 

Senior bank guy later shares with the accountant that the bank has regular complaints about similar stuff. 

Edited January 28, 2020 by scorecard

[holy cow cm]

How are they able to tell a retirement or marriage visa when it only says Non O or Non OA? I would gather over 50 you could just say to them retired?

[geronimo]

Just now, holy cow cm said:

How are they able to tell a retirement or marriage visa when it only says Non O or Non OA? I would gather over 50 you could just say to them retired?

Yeah, I'm 64 but I guess I look like I'm in my mid thirties!

[BritManToo]

1 minute ago, holy cow cm said:

How are they able to tell a retirement or marriage visa when it only says Non O or Non OA? I would gather over 50 you could just say to them retired?

They write the reason for the VISA on the Non-os now (in Thai).

Mine says 'to look after my son John Britmantoo'

Edited January 28, 2020 by BritManToo

[poohy]

35 minutes ago, geronimo said:

Don't do it! The UK is much worse ... trust me on that one!!

Banking maybe ...But has real beer fish n chips, indian food,more beer , cheese , pickled onions,real bread and more beer .

And not a somtam or pad krapow in sight thank god

 

Hope you get my drift

Edited January 28, 2020 by poohy

[geronimo]

1 minute ago, poohy said:

Banking maybe ...But has real beer fish n chips, indian food,more beer , cheese , pickled onions,real bread and more beer .

 

Hope you get my drift

I do Sir, I so!

 

Unfortunately, the arctic climate, the miserable faces and the general air of negativity always spring to mind when I think of good old blighty!!!

[holy cow cm]

12 minutes ago, BritManToo said:

They write the reason for the VISA on the Non-os now (in Thai).

Mine says 'to look after my son John Britmantoo'

Bummer. But is good but is bad the banks see it rather than the IO pulling it up on the screen.. 

[BritManToo]

1 minute ago, geronimo said:

I do Sir, I so!

 

Unfortunately, the arctic climate, the miserable faces and the general air of negativity always spring to mind when I think of good old blighty!!!

It's the daily cold sideways rain I couldn't stand, and the grey sky when it wasn't raining.

[SteveK]

43 minutes ago, geronimo said:

Don't do it! The UK is much worse ... trust me on that one!!

I disagree.

 

As a UK citizen, I have never ever had an issue with a UK bank. Super easy to do everything. When I was buying my house I had to go in and do a CHAPS transfer to my solicitor of about 75k GBP - took 2 minutes.

 

I can deposit money to anyone's account for which I have the account number and sort code, and don't need to show ID.

 

I can withdraw cash from my account over the counter with a driving license. Also takes only a minute or two.

 

To get a new ATM card I either click a button online or make a phone call, card arrives at my house a couple of days later - zero paperwork.

 

Compare that to Thai banks - whatever you want to do it is always a huge uphill struggle.

 

 

Edited January 28, 2020 by SteveK

[holy cow cm]

I have to go in this week to K Bank and do a new card even though my debit visa card has a chip already and doesn't' expire until 2022. Just comes up error and cannot read. This time going to use the pink id and the yellow book and see if can get a real CC Visa with secured funds.  

[Deli]

K - Bank worst ever. For the same thing, they kept me 50 minutes waiting, 30 minutes paperwork, 10 minutes at the ATM setting up the new card.

Welcome to non - efficiency.

[geronimo]

2 minutes ago, SteveK said:

I disagree.

 

As a UK citizen, I have never ever had an issue with a UK bank. Super easy to do everything. When I was buying my house I had to go in and do a CHAPS transfer to my solicitor of about 75k GBP - took 2 minutes.

 

I can deposit money to anyone's account for which I have the account number and sort code, and don't need to show ID.

 

I can withdraw cash from my account over the counter with a driving license. Also takes only a minute or two.

 

To get a new ATM card I either click a button online or make a phone call, card arrives at my house a couple of days later - zero paperwork.

 

Compare that to Thai banks - whatever you want to do it is always a huge uphill struggle.

 

 

You are correct Sir and my comment was actually misdirected and wasn't about the banking system at all, but the UK in general.

[richard_smith237]

Just now, SteveK said:

42 minutes ago, geronimo said:

Don't do it! The UK is much worse ... trust me on that one!!

I disagree.

 

As a UK citizen, I have never ever had an issue with a UK bank. Super easy to do everything. When I was buying my house I had to go in and do a CHAPS transfer to my solicitor of about 75k GBP - took 2 minutes.

 

I can deposit money to anyone's account for which I have the account number and sort code, and don't need to show ID.

 

I can withdraw cash from my account over the counter with a driving license. Also takes only a minute or two.

 

To get a new ATM card I either click a button online or make a phone call, card arrives at my house a couple of days later - zero paperwork.

They’ve closed the account down in my home town, so I can’t do anything over the counter when I am home unless I travel 45mins to the next town. 

 

That said some of the OLB processes (such as getting a new card etc) are easier. 

 

 

[SteveK]

Just now, geronimo said:

You are correct Sir and my comment was actually misdirected and wasn't about the banking system at all, but the UK in general.

Oh in that case I agree with you 100%. UK is an awful place to live unless you need the free healthcare.

[geronimo]

3 minutes ago, holy cow cm said:

I have to go in this week to K Bank and do a new card even though my debit visa card has a chip already and doesn't' expire until 2022. Just comes up error and cannot read. This time going to use the pink id and the yellow book and see if can get a real CC Visa with secured funds.  

Well, take absolutely everything with you (including all your family photos) and bring a brand new ballpoint, you'll have some signing to do! If you meet any resistance, call Charlie .....

[geronimo]

Has anyone heard from our new POTY? I haven't had much time to surf the forums.

[richard_smith237]

4 minutes ago, holy cow cm said:

I have to go in this week to K Bank and do a new card even though my debit visa card has a chip already and doesn't' expire until 2022. Just comes up error and cannot read. This time going to use the pink id and the yellow book and see if can get a real CC Visa with secured funds.  

Based on this thread - Take the Passport with which you opened your account (even if its an old unused passport which has since been renewed). 

 

While there change your ‘ID details’ to your Pink ID card (your number should never change), so you don’t have the same issues when you change your passport and the number changes (unless you are from a country where your passport number never changes). 

 

Regarding the Credit Card (secured deposit etc) I simply have a second card on my Wife’s account (i.e. my Wife is the primary CitiBank Credit Card holder, I am issued a second card - its no different from having my own card. 

[the irony is, I’m the primary earner, my Wife is the primary card holder !]

 

 

 

[geronimo]

1 minute ago, richard_smith237 said:

Based on this thread - Take the Passport with which you opened your account (even if its an old unused passport which has since been renewed). 

 

While there change your ‘ID details’ to your Pink ID card (your number should never change), so you don’t have the same issues when you change your passport and the number changes (unless you are from a country where your passport number never changes). 

 

Regarding the Credit Card (secured deposit etc) I simply have a second card on my Wife’s account (i.e. my Wife is the primary CitiBank Credit Card holder, I am issued a second card - its no different from having my own card. 

[the irony is, I’m the primary earner, my Wife is the primary card holder !]

 

 

 

I just steal one of my kid's credit cards ... works for me ,,,,

[richard_smith237]

3 minutes ago, geronimo said:

7 minutes ago, holy cow cm said:

I have to go in this week to K Bank and do a new card even though my debit visa card has a chip already and doesn't' expire until 2022. Just comes up error and cannot read. This time going to use the pink id and the yellow book and see if can get a real CC Visa with secured funds.  

Well, take absolutely everything with you (including all your family photos) and bring a brand new ballpoint, you'll have some signing to do! If you meet any resistance, call Charlie .....

 

Don’t do that !!!

 

Go to the same branch geronimo went to... Throw geronimo's name around a bit, threaten to call up on him - You’ll be whisked away into a private room where no one else can hear the potential outbursts !!!... you’ll be offered coffee, rich-tea biscuits and 2020 calendar !!....   after that you’ll be out in a jiffy smiling from 'ear to ear’... 

[geronimo]

1 minute ago, richard_smith237 said:

 

Don’t do that !!!

 

Go to the same branch geronimo went to... Throw geronimo's name around a bit, threaten to call up on him - You’ll be whisked away into a private room where no one else can hear the potential outbursts !!!... you’ll be offered coffee, rich-tea biscuits and 2020 calendar !!....   after that you’ll be out in a jiffy smiling from 'ear to ear’... 

You're probably right ........

[richard_smith237]

1 minute ago, geronimo said:

3 minutes ago, richard_smith237 said:

Based on this thread - Take the Passport with which you opened your account (even if its an old unused passport which has since been renewed). 

 

While there change your ‘ID details’ to your Pink ID card (your number should never change), so you don’t have the same issues when you change your passport and the number changes (unless you are from a country where your passport number never changes). 

 

Regarding the Credit Card (secured deposit etc) I simply have a second card on my Wife’s account (i.e. my Wife is the primary CitiBank Credit Card holder, I am issued a second card - its no different from having my own card. 

[the irony is, I’m the primary earner, my Wife is the primary card holder !]

 

 

 

I just steal one of my kid's credit cards ... works for me ,,,,

 

Thats it, I’m going to take my 6 year old with me on my next trip to the Bank, I’ll secure him a credit card, I’ll be the second card holder...  then my Wife won’t know in which salubrious establishment I’ve been blowing my sons inheritance... 

 

 

 

[geronimo]

Just now, richard_smith237 said:

 

Thats it, I’m going to take my 6 year old with me on my next trip to the Bank, I’ll secure him a credit card, I’ll be the second card holder...  then my Wife won’t know in which salubrious establishment I’ve been blowing my sons inheritance... 

 

 

 

Wait another 18 years .... I did .... With my kids, the boot is now firmly on the other foot, as I borrow their cars, get them to buy me cigs and alcohol and generally ask for whatever I want ????

[holy cow cm]

12 minutes ago, geronimo said:

Well, take absolutely everything with you (including all your family photos) and bring a brand new ballpoint, you'll have some signing to do! If you meet any resistance, call Charlie .....

My last encounter was a boiled anger one that I got up and walked out. this should be fun now that have pink card and yellow book.,