Many many years ago.

A bank's branch manager have absolute say in loan application. As predicted, many abused the power for personal benefit.

Fast forward to 2011. To reduce unwanted staff influence & reduce operating cost. Many banks set-up regional centre. These centres don't deal directly with clients/applicants. They deal only with data & document processing.

Thus valuer became part of the chain. The evaluation report became a recommendation document. Banks let customer absorbed part of the cost. In return, they offer u stuffs like rebate, free gifts, free CC. It's all part of the biz. When u're rich, bank's ur friend. When u're struggling, bank's ur foe.

This post has been edited by scorgio: Mar 1 2011, 08:07 PM

Why don't u go get a law degree, practise as lawyer, then u can be the predator instead of the victim.