@Mochudubh
This is one of the reasons I left retail banking. I absolutely hated having to encourage customers to take out a loan/credit card. Even worse was having to stay back after closing one evening a week to call the "leads" generated.
Many of our customers were people who had come in to the branch to take out their last £3.50 as they couldn't get it out of the ATM, the last thing they needed was more debt.
I'm so pleased you left. I really dislike retail banks, and only use them to my advantage now. They are a necessary evil!
And what I would like to add to the 'trying to push loans and credit cards' on people, is the trying to push insurances that the customer doesn't NEED!
I went to deposit a cheque (some 11 years ago now,) and was cornered by my account manager who tried to get me to take out a policy, for me AND my DH (two separate ones) at the cost of £20 a month EACH, to ensure we could each access our money if the other one dies.
'Your accounts will be frozen and you won't be able to get any money out for MONTHS' she lied... 'So this policy pays out £1000 to keep you going for a while until the government frees up your accounts.'
Absolute fucking horseshit, as me and DH had - and always HAVE had joint accounts, since the day we married nearly 30 years ago. Only if DH had had a separate account would HIS be temporarily frozen (maybe...) I would still have access to our JOINT bank account and joint savings!
Luckily I knew this, and told her I didn't appreciate being lied to, and her trying to hoodwink me and DH into an insurance policy we didn't need. She went flame red and made an excuse and left the room!
Also, some twatty bank manager (around 10 years ago, same bank,) tried to sell me and DH a private health policy that would pay towards dental, and glasses, and would pay £45 a night for the first 10 nights of a hospital stay, (to help with costs for a week or two if you're off ill,) and so on.
We both said 'NO' as we had private health insurance via our employers.
Several months later, we were looking through our bank statement, and lo and behold, there was this bloody direct debit coming out for £40 a month. We both had very busy lives, and very busy jobs, and no internet banking, and didn't notice it for 3 months!
The fucking bank manager had started the private health care policy that we SPECIFICALLY told him we didn't want, and had forged our signatures! He denied it and said we signed the forms, but we didn't and he was a liar, and a fraudster. But we couldn't prove it.
We cancelled the policy immediately, and moved banks several weeks after. Then again, they are all the same.
I have several more examples of having stuff pushed on us, and some that we didn't really need, (as I am sure everyone else has!) but no-one ever forged our signature again! Thankfully.