payday loans
Payday loans
Payday loans online
Payday loans
payday loans
payday loans
Payday loans
payday loans
payday loans
payday loans
Payday loans
Payday loans
Payday loans
Payday loans
Payday loans
Payday loans
Payday loans
Payday loans
payday loans
payday loans
payday loans
payday loans
payday loans online
payday loans
payday loans
payday loans
payday loans
valoracion opciones binarias sitemap
rsi opciones binarias sitemap
opciones binarias manual sitemap
binarias opciones sitemap
opciones binarias ukash sitemap
estrategias para ganar en las opciones binarias sitemap
opciones binarias vs forex
infalible opciones binarias
fiscalidad opciones binarias espana
bonos opciones binarias
media movil opciones binarias
opciones binarias definicion
curso gratis sobre opciones binarias
como predecir opciones binarias
vivir de opciones binarias fundamentales
estrategias de inversion opciones binarias
indicadores para opciones binarias
mejores brokers opciones binarias
graficas en tiempo real de opciones binarias
practicar opciones binarias
programa para opciones binarias
senales de opciones binarias
ranking de opciones binarias
opciones binarias desde 1 dolar
el toque de midas opciones binarias
son legales las opciones binarias
empireoption opciones binarias en espanol
trucos de opciones binarias
demo opciones binarias gratis
opciones binarias fundamentales
curso opciones binarias pdf
estrategia fibonacci opciones binarias
opciones binarias virtual
opciones binarias en puerto rico
opciones binarias ibex 35
bandas de bollinger para opciones binarias
cuanto es el minimo para invertir en opciones binarias
opciones binarias bono sin deposito 2014
opciones binarias real
que son las opciones binarias en forex
opciones binarias la verdad
ganar dinero internet opciones binarias
opciones binarias afiliados
opciones binarias para mexico
opciones binarias como ganar
lo ultimo de opciones binarias
opciones binarias scalping
opciones binarias 10 dolares
opciones binarias alertpay
opciones binarias espana
opciones binarias robot
cuenta practica opciones binarias
estrategias para ganar en opciones binarias
mejores estrategias opciones binarias
guia para opciones binarias
consejos sobre opciones binarias
empireoption opciones binarias en espanol
curso trading opciones binarias
opciones binarias 1 euro
bonos en opciones binarias
tecnicas para operar en opciones binarias
senales para opciones binarias
velas japonesas opciones binarias
apuestas financieras opciones binarias
opciones binarias fsa
opciones binarias 24
estrategias para las opciones binarias
trading opciones binarias
cuenta demo opciones binarias sin deposito
mejor plataforma para invertir en opciones binarias
abrir cuenta demo opciones binarias
video curso opciones binarias
dinero gratis en opciones binarias
opiniones sobre opciones binarias
opciones binarias impuestos
riesgos opciones binarias
analizar graficos opciones binarias
trading de opciones binarias
que son las opciones binarias yahoo
opciones binarias invertir online
hacienda opciones binarias
es cierto lo de opciones binarias
simulador gratuito opciones binarias
guia opciones binarias pdf
opciones binarias ig markets
la verdad sobre las opciones binarias
david miller opciones binarias
curso rapido de opciones binarias
estrategia efectiva para opciones binarias
horario opciones binarias
beneficios opciones binarias
trucos de opciones binarias
estrategias de opciones binarias
experto en opciones binarias
opciones binarias bolsa
opciones binarias madrid
graficos opciones binarias
opciones binarias fin de semana
opciones binarias tendencias
cual es la mejor plataforma de opciones binarias
el mercado de opciones binarias
senales forex para opciones binarias
plataforma opciones binarias demo
curso de opciones binarias gratuito y completo
opciones binarias twitter
opciones binarias ing direct

Take My Money. Please.

banking-in-franceTalk to anyone who has ever lived or just visited Paris, and you’ll hear nightmare stories of encounters they’ve had with customer service. Whether it’s calling a company to try to buy a part or a product and being charged a per-minute fee to wait on hold and/or speak with an actual person, or trying to return something they’ve purchased, one gets the sense that there really is no “service” working for the French.

I’ve never had such an encounter. In fact, my experience has been just the opposite, all singing cartoon animals and flower petals raining down on me. Then again, I don’t live in Paris full-time. Once I do, I assume the law of averages will force me into more than a few close encounters of the frustrating kind. But I feel like I’m getting plenty of practice over here in the U.S., because, with a few notable exceptions, I’m finding it increasingly difficult to walk away from an encounter with a company’s customer service with any degree of resolution.

Airlines require you to submit complaints and refund requests by fax or email. Don’t even get me started on insurance companies. Even my bank and credit card companies offer endless electronic menus with automated information, making it virtually impossible to speak with a real person.

Speaking of banks …

I’m getting spoiled by my U.S. bank. They like taking my money. They have no problem giving me my money back. They’ve made it easy for me to deposit checks without having to wait on a line or fill out a deposit slip. Last night, I even wrote a check to myself from one bank and deposited it in another … using my iPhone.

Opening my account couldn’t have been simpler. All I needed was money, a social security number and a mailing address and, voila, instant bank account. They didn’t ask for proof of income or address. I didn’t require any notarized forms, visas, depositions, notes of introduction, personal references or a letter from my employer.

This is why I’m absolutely dreading opening my bank account in Paris. Dread. Ing. From what I’ve come to understand, it’s easier to get elected President of France than it is to open a bank account there. My Paris friends have offered to introduce me to their bankers, which may give me a slightly better chance of being accepted into the bank. But I will most definitely need proof of a Paris address before they’ll take my money, only I can’t get a Paris address without having proof of a Paris bank account.

I’m assuming that all my connections will ultimately pay off, and I’ll get that French bank account. Then all I have to do is pray that they’ll let me take my money out, and that I won’t do anything wrong that leads to them “firing” me as a customer. It doesn’t take much, apparently. My friend, Richard, was expelled for depositing cash into his account. Cash. (As a tour guide, he was frequently paid in cash.) It wasn’t a lot of money, maybe a thousand or two a month. But they didn’t like that, so he was a goner. Another friend was told he couldn’t make any transactions at any branch other than the one where he opened his account, while another was told she could only withdraw funds from her account at certain hours of the day.

I thought I was being smart when I opened my business account at an international bank (HSBC). No such luck, because despite the fact that there are HSBC branches on just about every corner of the French capital, I can only make transactions at the branch where I opened the account. In Miami.

So I’ll take my chances with customer service in France. It’s the banks that make me think that keeping my money inside my mattress may be the easier solution.

linda-donahue-signature







Be sure to follow us on Facebook and Twitter! And sign up for our weekly e-newsletter (see the sidebar) so you can get the latest news from Paris.

Spread the love...Share on FacebookPin on PinterestTweet about this on TwitterShare on TumblrEmail this to someonePrint this page

4 Responses to “Take My Money. Please.”

  1. Lindsey says:

    It’ll be okay, just choose your bank wisely! HSBC should be fine and I’ve never had any problems with Société Générale. And if worse comes to worse, I’ll be your personal translator :)

  2. Linda Donahue says:

    Be careful what you offer. I may need you to write a letter saying that I’m your roommate. ;-)

  3. Tanya says:

    Opening and then closing a French bank account were two of the most difficult things I ever did in that country. I once tried to cash an 11 euro check at a bank and they told me I had to go to a different branch because their branch didn’t have any cash. A bank with no cash! Incredible.

  4. Andrea says:

    Opening a French bank account was a total nightmare. I brought in a photocopy of my lease and of my landlord’s ID. But they said they needed his original ID, so he walked to the bank with me to give them his original ID, which they then photocopied (I mean, seriously?) Then I got a call a few hours later that his drivers license was expired and they needed to see his passport. Thankfully he just went to the bank without me that afternoon. But it still took another 2 weeks for the paperwork to go through and for the account to be activated!

Post Your Review