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Credit Agricole, are you getting this b*******t?


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The on line banking site now opens with a very intrusive questionnaire that is none of their business, it starts with this message/

Evaluation de la connaissance et de l'expérience en matière d'instruments financiers

 

(En application des articles 314-49 à 314-52 du Réglement général de l'AMF)

Client non professionnel des marchés financiers

La réglementation relative à la commercialisation des instruments financiers impose aux établissements financiers de recueillir le niveau de connaissance et d'expérience des marchés financiers des clients effectuant des opérations sur instruments financiers ceci en vue de leur proposer les produits les mieux adaptés à leurs besoins, notamment en terme de risque.

En répondant aux 2 questions suivantes, vous permettrez à votre banque de définir une qualification de vos connaissances et expériences des produits financiers pour une période de 2 ans. Cette qualification vous protège en vous alertant si une souscription de produits financiers nécessite une qualification plus élevée.

Complete bu*****t and of course they are trying to con and scare the muppets into giving them info, what really pees me off is that it opens up every time and you have to navigate your way through it to see your accounts.

However I ticked the last box as whilst very tame its the closest to how I feel about these nosey ******s:

De ma propre initiative, je refuse de répondre à ce questionnaire qui, dans ce cas, me sera représenté plus tard. En conséquence, je reconnais être parfaitement informé que la Caisse Régionale de Crédit Agricole ne pourra pas vérifier que mes connaissances et mon expérience me permettent d'appréhender les risques inhérents aux placements ou aux services d'investissement que je souhaite souscrire. La Caisse régionale ne sera pas en mesure de déterminer si le(s) service(s) ou le(s) produit(s) qu'elle entend me proposer ou que je souhaite souscrire me conviennent.

Doesnt make any difference though as the site still loads with this intrusion no matter how many times I refuse to answer it.

I feel a vist to the branch coming on to show them what a physical intrusion feels like, think of Basil Fawlty walking with a determined look to his face holding a garden gnome looking for Mr O Reilly [:D]

 

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I don't get this, but of course CA is régional so it might be just your region at the moment

If it is like this one

http://www.ca-cb.fr/Vitrine/ObjCommun/Fic/CB/Sarbacane/Campagnes/2008/MIF/MailingDefaut.htm

You can just x the box "

Je n'accepte pas de répondre à ce questionnaire,

de ma propre initiative

Profil d'investisseur : détermination impossible."
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[quote user="NormanH"]I don't get this, but of course CA is régional so it might be just your region at the moment

If it is like this one

http://www.ca-cb.fr/Vitrine/ObjCommun/Fic/CB/Sarbacane/Campagnes/2008/MIF/MailingDefaut.htm


You can just x the box " Je n'accepte pas de répondre à ce questionnaire, de ma propre initiative
Profil d'investisseur : détermination impossible."
[/quote]

That looks like it should work Norman but if you look at the second of my blue highlighted paragraphs you will see that the my regional branch CA Brie Picardie have decided that would be far to polite and common sense and have decided to Picardise it, read the full text carefully, its typical of the arrogance around here, the unwillingless to accept no frm somebody without sermonising and then faire chié'ing them.

Sounds like I'm not the only one with this problem.

As I said earlier, even the régions like yours that have done a reasonable refuse option are still abusing their customers by dressing up these intrusive questions as a legal obligation in the same way that my old bank would phone customers up with a stern warning that they must attend an important meeting with the branch manager only to find themselves in front of a spotty teenage insurance salesman wanting to discuss investments starting off by asking stern questions fishing for the same kind of Financial data. the problem is the French seem to be so compliant and god fearing and around here at least naive and thick in equal measure.

I was so hoping to get one of these calls and to attend but I am guessing that they must have already come across an angry UK person as all the French people I knew with the bank got these summonses every year and like Muppets went along like lambs to the slaughter each time yet the English never did, granted i didnt know as many, i even went to the branch with a letter from a French account holder and asked why I was not asked, they became very uneasy, I told them that it was racial discrimination that I was being denied the opportunities to be ripped off like the French customers.

Later that year they closed my account and declared it as so to the Banque de France like an interdit bancaire, AKA I was Picardisé [:D]

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[quote user="Hereford"]Yes, Norman we get that paragraph.   Ticked said box yesterday but...same thing came up again today. Have ticked again and will certainly complain if it does not stop.

[/quote]

Hi,

    I've received the same thing, and after ticking the no response box , got it again today.   If it continues , I shall go to see my " conseilleur" and tell her what to do with it.

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Your branch is probably run by honest sensible people who dont seek to exploit the ignorance n gullibility and vulnerability of their clients.

Maybe you havn't all read this in detail or need a translation:

De ma propre initiative, je refuse de répondre à ce questionnaire qui, dans ce cas, me sera représenté plus tard. En conséquence, je reconnais être parfaitement informé que la Caisse Régionale de Crédit Agricole ne pourra pas vérifier que mes connaissances et mon expérience me permettent d'appréhender les risques inhérents aux placements ou aux services d'investissement que je souhaite souscrire. La Caisse régionale ne sera pas en mesure de déterminer si le(s) service(s) ou le(s) produit(s) qu'elle entend me proposer ou que je souhaite souscrire me conviennent.

Can you imagine the furore if a UK bank addressed its customers in this way let alone frefusing to allow them to access their accounts without ticking a box giving away personal data and refusing to acknowledge the fact that they have already done so (ticking the refuse box) making them do so every time they want to access their accounts until they tire of it and give in.

And then you can be sure that you will be summonsed to an urgent meeting at your branch.

I find the message condescending and insulting, especially the forced repetition. I'd like to believe that there are some more enlightened areas of France where businesses dont treat their customers like dirt, I cannot believe that they do this in isle de France.

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I bet there are times when you wish there was a French Anne Robinson. Admittedly, I rarely give thanks that there's an English one, but give the ginger whinger her due, it's often enough just to use her name in vain to make idiots backpeddle.

Send a letter to CA asking them to tick a box saying that YOU have now way of knowing if THEY have the knowledge and expertise to manage your investments, and that if they refuse to give you full details of the qualifications of everyone in the branch, you will continue asking the, on a regular basis.

failing that, just ask them to close your account. If any bank of mine tried that one on me, I'd be moving to another bank faster than you could say "banking ombudsman". Then again, small mercies...in the UK we do have one.
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Albeit that I ticked the "I won't answer" box both yesterday and Tuesday. The wretched questionnaire came up again this morning. I again ticked "no".  Having a few minutes spare I have just composed an email to them and having logged back in to send it find the questionnaire is there yet again!

Interesting to see what their response is - I have asked for an email back.

Grhhh

H.

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My money is on no response or an automated response followed by no response, and you will no doubt have to then tick one of the bowes on the questionnaire to read the automated one [:D]

Its at times like this that the cultural différences show up, when I speak to French friends about these sort of things they spectacularly fail to "get it" (in fact how do you even say that in French?), they will have ticked one of the boxes giving away their private info without a second thought and wont be annoyed then to get a follow up sales call or a false summons to the branch. They just obey any request without question as they have been brought up to do, they think that I am mad, if they want information then I must give it to them, what is the problem?

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I have witnessed same educated friends recieve scores of unwanted phone calls from démarcheurs, they are visbly upset and uncomfortable but cannot bring themselves to say No!, go away! or whatever, they just give out the info being asked of them and then make some feeble excuse for not having time to take the call. Example.

Hello Mr/Mrs XYZ, I am phoning on behalf of EDF because an anomoly has been detected on your account (that freaks them out with fear and puts them on the back foot) there has been a excess consumption on your last bill, what type of heating/what insulation does your house have?

And the Muppets tell them that and a lot more subsequently often accepting a visit from someone that they dont want, how often do you hear of people complaining that they cant attend something because a technician/salesman/energy advisor/investment advisor/ is coming and that they didnt really want the appointment but what could they do? !!!

And on the occasions that I take the phone from them to show them exactly what they could and should do they are mortified and seem to want to call the person back to apologise for me despite me having been very restrained and polite by our standards.

That is why France is such rich pickings for scammers, high pressure sales and especially home selling like Tupperware, Anne Summers (what someone on here called f***erware!) Vorvek vacuum cleaners etc.

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I have a Britline account and I got this message too. I did the simple thing and contacted them directly. As mine is supposed to be an account for English speaking customers I expected it to be understandable, ie in English, and whilst my French isn't bad I'd rather answer technical-type questions in my own language.

The reply was "This is an anomalie in our system you should click on "Plus tard" and ignore or only respond to it if you some part sociales or a compte titre.". Almost English I guess.
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In your cases it is doing exactly what you are asking of it.

Plus tard means [ask me] later

The passage I highlighted was the box to tick saying that you refuse to divulge your [personal] information and it even says that you will still be asked later, my issue like all of you is that it appears every time, the wording is insulting and condescending and they have absolutely no right to ask for the information, by the means of their system they are bullying it out of people and I recken with over 99% success with the French customers.

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[quote user="You can call me Betty"]I bet there are times when you wish there was a French Anne Robinson. [/quote]

Claire Barsacq.

http://img.tvmag.lefigaro.fr/ImCon/Arti/75386/Claire-Barsacq-350.jpg

http://www.france4.fr/emissions/on-n-est-plus-des-pigeons/a-la-une

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Got an email in reply this morning, can hardly believe it - will email back and say "so what is the point of the last paragraph with a box to tick saying NO I won't fill it in".

Message:  Bonjour,

Je vous informe que ce questionnaire les marchés financiers est obligatoire.

Je vous invite à prendre 5 minutes pour répondre à ce questionnaire,

ainsi il n'apparaitra plus ensuite à la consultation de vos comptes.

Je vous souhaite un bon week-end.  end message

Bizarre or what

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