Showing posts with label israeli banking. Show all posts
Showing posts with label israeli banking. Show all posts

Tuesday, August 5, 2008

Bureaucracy Busting

So, following on from my last blog, today was my Israeli bureaucracy busting day. Unfortunately I had to take my sick baby with me so that provided an added challenge.

So, after queuing half an hour at the bank I presented my passport, ID Card, and Credit Card to the bank, as instructed yesterday. The teller bashed about on the computer, asked colleagues for help and finally told me that they do not provide cash for my particular credit card. He told me that I should visit other banks as they may well provide this service.

In the end it took me four hours in three banks to get cash out and retrieve yesterday’s ‘swallowed up’ cash card. During this time I had to amuse the baby, communicate my needs in Hebrew and stay both patient and sane.

It really does wear you down. You spend on average around half an hour in a queue. This is not a normal queue but an Israeli queue. Because Israeli’s can’t be trusted to queue in a fair and cordial manner, the banks have installed machines that give out numbered tickets. However, Israeli’s have no time for this and many take a ticket and then leave the bank. They carry out another chore or two and after a short while, return to the bank and re-join the queue at the front.

But it’s not only this! They also try to circumvent the queue system by sitting in empty chairs as they arise at the counters. Sometimes another member of the queue or a teller will send them back, sometimes they just get served.

Whilst I was at the counter there were two people arguing behind me as to who was next for my teller. They both had numbers but even this was not enough. At one point I stood up to calm the baby and one of them actually sat in my chair! I had to send them away as I am sure that they would have tried to get served even though I was mid transaction!

At the last bank, a lovely young lady called Ina took the time to complete the much needed change of address form for me and also gave me access to their internet banking. She was a reminder to me that among all those, ‘computer says no’ people, there are still real gems out there who go the extra mile.

Incidentally, I found out that my inability to withdraw cash using a cash card from my UK account is not just a problem for me. A friend I met on the bus is also having the same problem. Her bank informed her that there is a general problem with the use of cash cards on ATMS from foreign accounts at the moment. At least it’s nothing personal.

So that was my morning; 4 hours, 3 banks, a returned cash card and cash finally withdrawn from my credit card to fund hubby’s trip abroad. I am sure that to undertake these tasks in the UK would have taken around half an hour and been much less stressful and eventful. However, since moving here, I always know that when I have a trip to the bank planned for any transaction that is not routine, that I need to expect the unexpected. Whatever can go wrong usually does.

Sharona B
www.judaicamosaica.com

Monday, August 4, 2008

Israeli Bureaucracy Wears Me Down

Israeli bureaucracy is renowned. Today though, was a classic bad day. One of those few occasions when I actually felt ground down by it all and reminisced about the efficiency of ‘back home’.

The day started with a trip to the bank. I needed to withdraw cash from my UK account. I went to three cash points, each told me the ‘service is not available’. I phoned my bank; no problem with the card or the account. No known reason, just ‘dafka’.

I had to get cash out to buy some sterling for a business trip my husband is going on this week. I asked if I could withdraw money from my credit card. ‘Yes,’ they said. I presented them with my UK credit card and my ID card. ‘No,’ they said, ‘come back tomorrow with your passport’.

I tried to get cash out of my Israeli account; the machine ate my card. I put the number in just once and it swallowed it right up. I have had an ongoing problem with the bank. I have a standard monthly statement and a Visa statement. The Visa statement they manage to send to my correct address but my monthly statement still mysteriously gets sent to my old address, even though I have tried to get it diverted. In the end I just gave up. Apparently my card may be out of date and the new one may be at my old address. Totally great!

Three cards; no cash.

This evening I had to take the baby to the Dr. The chicken pox is thankfully subsiding but she has picked up a cold and it has gone to her lungs. My son went to the pharmacy to pick up her prescription for antibiotics. The pharmacy phoned me up to tell me my daughter has been taken off our health care plan. The same daughter who went to hospital with me earlier in the week and whose health care card worked just fine then. I spoke to a representative from the health care company who insisted she must have been removed. He told me my husband must have removed her if I didn’t! Luckily the pharmacy knows us and still supplied the prescription.

So now I have a whole list of jobs for tomorrow:

• Try to get my swallowed up card returned.
• Go to the bank with my passport to get some cash.
• Try again to change the out of date address they have on file for me for some of their services (but not others!)
• Try to find out if a new cash card has been sent out and is floating around and in danger of being used fraudulently.
• Get my daughter re-instated on our health care plan.

Most people who know me would tell you I am a positive, calm, patient person. I am very British; I like to queue, I apologize to you if you bump into me, I drink tea all day long, I like good manners.

Today I feel tired. Tired of trying to sort things out in a language that is unfamiliar to me. Tired because my daughter has had one illness after another. Tired because sometimes being an olah is so frustrating and difficult.

So I ‘took five’. I sat in my garden, overlooking the Shomron Hills. I took in the view and breathed in the fresh, cool night air. I made myself remember why I came here and I returned to the house with the strength and determination to tick off all my ‘to do’s’ tomorrow.

Sharona B
www.judaicamosaica.com

Suite 101