United Bank Limited-a hat-trick of headaches

United Bank Limited – a hat-trick of headaches

 United Bank Limited

J. Choudhry

KARACHI: A few weeks ago I have faced not one, two but hat-trick of headaches because of some technical problem in the online payment system of the United Bank Limited. On the midnight of December 8, 2017, I ordered an internet session, but I was shocked to see the unexpected situation when I tried to make payment to the Facebook. In first attempt, I got the message of suspicious transaction and the payment was not transferred into my account with the Facebook. Few seconds later, I got the message that the amount had been deducted from my ATM card for internet session/payment to Facebook ads. At that time, I thought that there may be a problem with my ATM card. Then I ordered another internet session from my Mastercard, the same day about an hour past midnight. To fulfill the process, I kept on waiting for verification call that the UBL had started a few months ago, before activating the net-session just to ensure transparency. It is a good strategy, but when the UBL concerned banker did not make a call in 30-40 minutes, the wait became very painful that too an hour after midnight that usually is my time to sleep. Once again, after attending the verification call, I tried to complete the net-session, but my Mastercard too showed the same message “suspicious transaction” – and the amount again was not transferred into my Facebook account, this was my second consecutive attempt after mid-night. Once again, with a gap of few minutes, I got another SMS alert of deduction of net-session amount from my bank account, although it was not reflected in my account on the Facebook.
In next two/three days, I made a couple of calls at the helpline to lodge a complaint about non-payment in the net-session, but nobody bothered to register the complaint and further surprised me twice by saying “our system is showing that you exceeded the limit”. Finally, I got the contact number of my friend Ali Habib, head of the corporate communication in the United Bank Limited, talked to him and he understood the problem immediately. Ali Habib perhaps asked someone to handle this complaint as I got a call from a bank official, who advised me to fill a form to claim refund. Interesting to note is that before talking to Ali Habib, I filed a complaint with the UBL through email and I just got a traditional message that I am posting here “Dear Mr. Javed, with reference to the appended email, please be informed that we tried to connect with you [03014549495 8:09 PM 12/11/2017 and 03343939029 8:10 PM 12/11/2017], but contact could not be established (Network Error). It is important for us to have telephonic conversation with you. Therefore you are requested to provide any other Contact Number or convey us any Preferred Time for call back so that we could connect you again or you may also call our Helpline 24/7 at (9221) 111 825 888 (UAN) in this regard. This is true that I got a couple of missed calls from the UBL number that I could not notice on time. But is it enough that the bank contacted me once and then did not bother to contact again to resolve this double-headache that finally led to the hat-trick.
However, when the intervention of Ali Habib, the UBL officials talked to me, sent the claim form in the 2nd week of Dec-2017, but I am still waiting for to get back that money which not only made me upset as I delayed by planned promotion on the social media. This headache did not end here and I faced the same scenario for the third time, after a gap of couple of weeks when I could not make payment through net-session and once again I got an SMS from the UBL about deduction of the net-session and charges associated with this session. I again sent email to the concerned UBL officials and they again sent another claim form. The problem does not end here, a week ago I got an SMS from the bank that the UBL people need another 34 days to resolve my complaint of refund of failed internet-sessions. One thing is very interesting – all my failed net-sessions took place around mid-night time – one just before mid-night and the other two soon after midnight. But this is not happening at day time (throughout the day). This reminds me of the popular joke about Sardars who go berserk around 12. But in this case, I think the internet technology/system of the UBL became “Sardar” around midnight, no once, twice, but three times. Now here are few questions for the UBL whose slogan is “UBL – where you come first” (I am sure not for embarrassment but for better service). Why the net-sessions of the UBL are going mad or out of order around midnight and why this does not happen throughout the day and before midnight time – because my other net-sessions went well in the day. Secondly, why the UBL people, engaged in verification calls, take too much time, sometime more than an hour. One day, I ordered net session after midnight and I went into sound sleep after not getting a phone call in an hour. The next morning, I saw missed call with a gap of more than an hour, around 2.30 a.m. Third, why UBL is not engaging more staff to facilitate timely verification process through bank-call system. Fourth, when the customers approach the helpline for net-session or any other purpose, the process takes mostly many minutes perhaps due to staff shortage and during this process the helpline keeps on generating money from the customers as call on the helpline costs to the customers and each minute counts at that time. So it seems a good way for the bank to mint money from the customers by prolonging calls on the helpline. This becomes more evident when the bankers make verification calls. They end that very shortly and speak with a speed to save their time and money as well by making short calls. Finally, why the UBL system is taking too much time in completing the refund procedure and who is responsible for failed net-sessions that damaged my planned promotions of my events on the social media. UBL must add to its slogan – UBL where you come first, for convenience and not for embarrassment. I hope the top management of the bank would take this write-up seriously to mend faults in their banking system.

xosotin chelseathông tin chuyển nhượngcâu lạc bộ bóng đá arsenalbóng đá atalantabundesligacầu thủ haalandUEFAevertonfutebol ao vivofutemaxmulticanaisonbetbóng đá world cupbóng đá inter milantin juventusbenzemala ligaclb leicester cityMUman citymessi lionelsalahnapolineymarpsgronaldoserie atottenhamvalenciaAS ROMALeverkusenac milanmbappenapolinewcastleaston villaliverpoolfa cupreal madridpremier leagueAjaxbao bong da247EPLbarcelonabournemouthaff cupasean footballbên lề sân cỏbáo bóng đá mớibóng đá cúp thế giớitin bóng đá ViệtUEFAbáo bóng đá việt namHuyền thoại bóng đágiải ngoại hạng anhSeagametap chi bong da the gioitin bong da lutrận đấu hôm nayviệt nam bóng đátin nong bong daBóng đá nữthể thao 7m24h bóng đábóng đá hôm naythe thao ngoai hang anhtin nhanh bóng đáphòng thay đồ bóng đábóng đá phủikèo nhà cái onbetbóng đá lu 2thông tin phòng thay đồthe thao vuaapp đánh lô đềdudoanxosoxổ số giải đặc biệthôm nay xổ sốkèo đẹp hôm nayketquaxosokq xskqxsmnsoi cầu ba miềnsoi cau thong kesxkt hôm naythế giới xổ sốxổ số 24hxo.soxoso3mienxo so ba mienxoso dac bietxosodientoanxổ số dự đoánvé số chiều xổxoso ket quaxosokienthietxoso kq hôm nayxoso ktxổ số megaxổ số mới nhất hôm nayxoso truc tiepxoso ViệtSX3MIENxs dự đoánxs mien bac hom nayxs miên namxsmientrungxsmn thu 7con số may mắn hôm nayKQXS 3 miền Bắc Trung Nam Nhanhdự đoán xổ số 3 miềndò vé sốdu doan xo so hom nayket qua xo xoket qua xo so.vntrúng thưởng xo sokq xoso trực tiếpket qua xskqxs 247số miền nams0x0 mienbacxosobamien hôm naysố đẹp hôm naysố đẹp trực tuyếnnuôi số đẹpxo so hom quaxoso ketquaxstruc tiep hom nayxổ số kiến thiết trực tiếpxổ số kq hôm nayso xo kq trực tuyenkết quả xổ số miền bắc trực tiếpxo so miền namxổ số miền nam trực tiếptrực tiếp xổ số hôm nayket wa xsKQ XOSOxoso onlinexo so truc tiep hom nayxsttso mien bac trong ngàyKQXS3Msố so mien bacdu doan xo so onlinedu doan cau loxổ số kenokqxs vnKQXOSOKQXS hôm naytrực tiếp kết quả xổ số ba miềncap lo dep nhat hom naysoi cầu chuẩn hôm nayso ket qua xo soXem kết quả xổ số nhanh nhấtSX3MIENXSMB chủ nhậtKQXSMNkết quả mở giải trực tuyếnGiờ vàng chốt số OnlineĐánh Đề Con Gìdò số miền namdò vé số hôm nayso mo so debach thủ lô đẹp nhất hôm naycầu đề hôm naykết quả xổ số kiến thiết toàn quốccau dep 88xsmb rong bach kimket qua xs 2023dự đoán xổ số hàng ngàyBạch thủ đề miền BắcSoi Cầu MB thần tàisoi cau vip 247soi cầu tốtsoi cầu miễn phísoi cau mb vipxsmb hom nayxs vietlottxsmn hôm naycầu lô đẹpthống kê lô kép xổ số miền Bắcquay thử xsmnxổ số thần tàiQuay thử XSMTxổ số chiều nayxo so mien nam hom nayweb đánh lô đề trực tuyến uy tínKQXS hôm nayxsmb ngày hôm nayXSMT chủ nhậtxổ số Power 6/55KQXS A trúng roycao thủ chốt sốbảng xổ số đặc biệtsoi cầu 247 vipsoi cầu wap 666Soi cầu miễn phí 888 VIPSoi Cau Chuan MBđộc thủ desố miền bắcthần tài cho sốKết quả xổ số thần tàiXem trực tiếp xổ sốXIN SỐ THẦN TÀI THỔ ĐỊACầu lô số đẹplô đẹp vip 24hsoi cầu miễn phí 888xổ số kiến thiết chiều nayXSMN thứ 7 hàng tuầnKết quả Xổ số Hồ Chí Minhnhà cái xổ số Việt NamXổ Số Đại PhátXổ số mới nhất Hôm Nayso xo mb hom nayxxmb88quay thu mbXo so Minh ChinhXS Minh Ngọc trực tiếp hôm nayXSMN 88XSTDxs than taixổ số UY TIN NHẤTxs vietlott 88SOI CẦU SIÊU CHUẨNSoiCauVietlô đẹp hôm nay vipket qua so xo hom naykqxsmb 30 ngàydự đoán xổ số 3 miềnSoi cầu 3 càng chuẩn xácbạch thủ lônuoi lo chuanbắt lô chuẩn theo ngàykq xo-solô 3 càngnuôi lô đề siêu vipcầu Lô Xiên XSMBđề về bao nhiêuSoi cầu x3xổ số kiến thiết ngày hôm nayquay thử xsmttruc tiep kết quả sxmntrực tiếp miền bắckết quả xổ số chấm vnbảng xs đặc biệt năm 2023soi cau xsmbxổ số hà nội hôm naysxmtxsmt hôm nayxs truc tiep mbketqua xo so onlinekqxs onlinexo số hôm nayXS3MTin xs hôm nayxsmn thu2XSMN hom nayxổ số miền bắc trực tiếp hôm naySO XOxsmbsxmn hôm nay188betlink188 xo sosoi cầu vip 88lô tô việtsoi lô việtXS247xs ba miềnchốt lô đẹp nhất hôm naychốt số xsmbCHƠI LÔ TÔsoi cau mn hom naychốt lô chuẩndu doan sxmtdự đoán xổ số onlinerồng bạch kim chốt 3 càng miễn phí hôm naythống kê lô gan miền bắcdàn đề lôCầu Kèo Đặc Biệtchốt cầu may mắnkết quả xổ số miền bắc hômSoi cầu vàng 777thẻ bài onlinedu doan mn 888soi cầu miền nam vipsoi cầu mt vipdàn de hôm nay7 cao thủ chốt sốsoi cau mien phi 7777 cao thủ chốt số nức tiếng3 càng miền bắcrồng bạch kim 777dàn de bất bạion newsddxsmn188betw88w88789bettf88sin88suvipsunwintf88five8812betsv88vn88Top 10 nhà cái uy tínsky88iwinlucky88nhacaisin88oxbetm88vn88w88789betiwinf8betrio66rio66lucky88oxbetvn88188bet789betMay-88five88one88sin88bk88xbetoxbetMU88188BETSV88RIO66ONBET88188betM88M88SV88Jun-68Jun-88one88iwinv9betw388OXBETw388w388onbetonbetonbetonbet88onbet88onbet88onbet88onbetonbetonbetonbetqh88mu88Nhà cái uy tínpog79vp777vp777vipbetvipbetuk88uk88typhu88typhu88tk88tk88sm66sm66me88me888live8live8livesm66me88win798livesm66me88win79pog79pog79vp777vp777uk88uk88tk88tk88luck8luck8kingbet86kingbet86k188k188hr99hr99123b8xbetvnvipbetsv66zbettaisunwin-vntyphu88vn138vwinvwinvi68ee881xbetrio66zbetvn138i9betvipfi88clubcf68onbet88ee88typhu88onbetonbetkhuyenmai12bet-moblie12betmoblietaimienphi247vi68clupcf68clupvipbeti9betqh88onb123onbefsoi cầunổ hũbắn cáđá gàđá gàgame bàicasinosoi cầuxóc đĩagame bàigiải mã giấc mơbầu cuaslot gamecasinonổ hủdàn đềBắn cácasinodàn đềnổ hũtài xỉuslot gamecasinobắn cáđá gàgame bàithể thaogame bàisoi cầukqsssoi cầucờ tướngbắn cágame bàixóc đĩaAG百家乐AG百家乐AG真人AG真人爱游戏华体会华体会im体育kok体育开云体育开云体育开云体育乐鱼体育乐鱼体育欧宝体育ob体育亚博体育亚博体育亚博体育亚博体育亚博体育亚博体育开云体育开云体育棋牌棋牌沙巴体育买球平台新葡京娱乐开云体育mu88qh88

Leave a Reply