Only Child’s financial woes continue – thanks to outside sources

Only child stews about financial woes

Only child stews about financial woes

Despite inheriting some of my mother’s ability to live frugally and have a financial budget, I am still having too many instances of running out of money the last week of the month. What really ticks me off for this month is that all the financial woes are caused by other individuals or government departments or banks screwing up.

Take yesterday as a big example of what can go wrong:

I was (and still am as of today) waiting for Service Canada, the GST people, Ontario Government and the like to sort out three payments I’m supposed to receive from forms filled in on my tax returns for 2015. So far I have not received the once a year Seniors grant all seniors get if we apply for it annually  (which I did). And for us low income seniors there is the property tax and energy credit – this one goes into your bank account once a month for 12 months and the GST rebate, put in your account quarterly. All should have been put in this month of July and they usually are. You have to have your assessment from the CRA first – well I got that over a month ago and had filed my 2015 income tax returns same time as every year – last week in April. But the money hasn’t been put in my bank account for any of those three.

To add insult to injury, I couldn’t access my bank account online yesterday to see if anything had been deposited. Neither could any other Scotiabank customer. Scotiabank was having computer server difficulties from an upgrade done over the weekend. I didn’t check my account on the weekend so don’t know for sure if the inaccessibility was all weekend or all Monday. What I do knowis  that when I checked – mid- morning Monday and several more times during the day to about 4.45 p.m., I still couldn’t sign into my account.

I wasn’t going to waste my time with a trip to my bank branch with nothing to deposit and no idea if there would be enough there to withdraw anything. (more on that first part shortly). Okay, so I decided to do the telephone banking. Wouldn’t hurt for once. But I couldn’t get very far there. When you get the recorded voice it tells you to press 1 for text and press 2 for screen. No option for land line phones. Excuse me – we don’t all have smart phones. So I pressed nothing and got a repeat of the recorded message. I hung up and had to call customer service. At least I got a good service representative who knew her stuff and not only gave me my bank balances (Nope! No government deposits then or today either when I was able to access my accounts online), she also agreed to pass along my complaints to her supervisor and from there it would go to a manager. I requested that manager call me back about it. Besides the complaint about the telephone service missing the third option, I also complained about the misleading pop up on the bank website when you tried to sign in to your account. The pop up had Scotiabank’s apology for the inaccessibility online but suggested bank customers could use their mobile apps as that function  was still working.

Is all this access setup (excluding the outage) discrimination for those who don’t have all the latest technology?

And being a former journalist, I dug further. At the Canadian Outages website  I found out more information including a lot of other disgruntled Scotiabank customers. And some of them like me have computers and land lines. No smart phones with mobile apps, not that everybody with a mobile could connect to their Scotiabank with the mobile app – it wasn’t working all the time either. Check out the Canadian outages website – there are more comments on the bad Scotiabank service. Even though I am not for all of this excess technology, the basic online account and being able to access it I find is necessary. If you think I’m lazy, think about people with mobility issues who can’t exactly dash off to their bank branch.

And I am still waiting for one of my major business clients to pay me for a writing course I taught for them (and their patrons) in June. I’m still waiting for my cheques despite submitting signed contract copies twice (one as far back as the end of April)  – the second submission (all by email) was because the client’s administration department had lost one of the first submissions. The person I was dealing with in person for the course did his part re getting the process going for my cheques and has been diligent in following up on all my inquiries. It’s the administration and financial departments there that messed everything up.

So that is why I am sitting (and fuming) with less than $75. to buy necessary health supplements and food.

Now if I was a lazy bum and not a senior, maybe I could blame myself.

But it’s not my fault and I’m doing all I can to get things fixed and moving.

No wonder I’m cranky a lot.

At least I did receive notice from Service Canada (via regular mail) that my GIS is being continued for 2016 to 2017 and it and my OAS (both for seniors) have been increased. They gave me the amount. Supposed to start with this month’s payment – tomorrow – in my bank account.

Now, let’s hope it gets deposited July 27, 2016 and I can see it online.

Seeing is believing – that’s my motto for living. “Hope” is a four-letter word.

Cheers (I think).

Sharon

Only Child Writes

 

 

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Filed under Bank service complaints, Banking, Clients, finances, Life demands, Mother, Old Age pensions, Poverty

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