A Disappointed Banker

[TexasHusker]

You're making assumptions too. How do you know they weren't calling every customer in their database? Why do you assume the products being offered were reasonable? I'd be willing to bet that the rates on the loans he was offering weren't competitive. I know anytime I've checked rates for a mortgage, HELOC, or auto loan, the bank rates were always among the worst.

Realistically, if you were thinking about taking out a new loan, would you do your homework and research a variety of lenders or would you just sign up with the first bank who called you out of the blue?

I'm sure they were calling everyone in a pre-screened database. I don't assume their products are reasonable, but I don't automatically assume them to be unreasonable, either. Any time someone wants to lend me some money for a period of time, I'm all ears. I might find something really fun and cool to do with it.

[TexasHusker]

This is how sales calling works. You make calls on folks consistently enough and eventually you will cross paths with someone in need of your services, that is a good deal for both parties. Sit on your rear in the bank all day and you’re gonna have skinny kids.

[Gailete]

Most of our cold calls come from someone with a foreign accent that I can't understand. My automatic statement is 'don't call this numbers again.' Almost daily to the point you can set your watch by them we get a call from a computer voice that I think is an Obamcare call. I'm on MC, Hubby on Obamacare and it is to late in the year to be signing up so I have no clue why we get all these calls.

Thankfully I don't get cold calls for loans and my bank tellers never bother me either. I love my bank and actually own shares of it. If I started getting hassled by a teller, I would get upset, not at her, but the bank and would send a message up the food chain so to speak.