Banks

[Graham88]

Are they really incapable of handling money? Spent the entire afternoon visiting my local bank, then arguing on the phone within the bank, then coming home and arguing on the phone here too

About 2 months ago I went to upgrade my card to a Debit card and they persuaded me to change my accounts and manage my money better, something I've been meaning to do for a while.
I was advised I could pay a Standing Order into a 'Bills' account every 4 weeks, so as to keep in conjunction with when I get paid (4 weekly).

Now, this Standing Order was set up wrong, for monthly, so when they tried to take the Standing Order there wasn't sufficient funds as it was 4 days before I got paid. So the money couldn't be taken out as there wasn't enough in there, and they slapped a £35 charge for the privilege.

Then the Account it was meant to go into, a company tried taking the money payable by Direct Debit, and because of the SO not coming out, there was insufficient funds and they charged me £15 admin fees to ring me up asking for another form of payment.

Then the bank charged me £35 again, for insufficient funds not being available. Are they taking the fucking piss

So now spent 30 minutes explaining this over and over, to a lovely Indian in a call centre that's not in the UK () and he just couldn't get it into his thick little head that I get paid 4 weekly. Then proceeds to tell me I can only pay SO every week or every month? Hang on, I was advised at the very beginning that I could do so, I wouldn't have bothered with all this if that wasn't the case? I made sure I heard correctly and got him to repeat what he was saying before hanging up politely. (I said goodbye before putting it down)

So now apparently I have to manually ring up every month the day after I get paid, to put this money into the other account, as they simply can't cope with 4 weekly, jesus fucking christ is it that hard?

Fuck you Abbey

Sorry for the rant, I just had to let it out.

[Icey]

Abbey are a bunch of cunts.

However, did you know that you can't switch bank accounts unless you have a full driving license or passport as a form of identity?

This means you are stuck with the incompetence and idiocy of them until such time you get the required identity.

If I get an Indian call centre when I phone I usually hang up and ring back, otherwise it just ends up in me getting stressed and annoyed because they don't understand!
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Mutley - 1988 Austin Mini City - Blog
Suetonius - 1966 Series Land Rover - Blog
Uma J - 1981 Honda 'Naked' Goldwing GL1100 - Blog

[Alex-RS]

It's because you don't need to study and get qualifications to do these types of jobs, which means you don't need to be skilled or demonstrate any level of ability. Therefore, any halfwit can occupy the position, and fuck everything up for everyone else because they're stupid(not all of them obviously). Has anyone noticed how stupid people mess things up for everyone and hinder everyone elses progress, yet they're never affected in any way, shape or form. I think they stick together, like a herd, so they feel wanted and valued among their stupid, average, simpleton counterparts. I have no time for the intellectually challenged

[pa_broon74]

[Icey]

I have tried to change banks several times, and have had NO luck!

I can't change to a new bank without any identification - even applying on-line I still need to go to my nearest branch and present my documents!

Hence why I'm still with Abbey.

Pah!
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Mutley - 1988 Austin Mini City - Blog
Suetonius - 1966 Series Land Rover - Blog
Uma J - 1981 Honda 'Naked' Goldwing GL1100 - Blog

[panrider_uk]

I've been with the Coop for years.

Their customer services are second to none.

Mark
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Current bikes: Honda ST1100 Pan European. Moto Guzzi V85 TT Travel

[Itchy]

[Itchy]

And no banks are not capable of running money , ALL banks by virtue of the system of Fractional reserve banking in effect run bankrupt.


Its a question of leverage, banks generally operate at 60-1 leverage , I believe about 52-1 destroyed Lehmans, any bank that operates at over 100-1 leverage is VERY risky....


This is NOT tipping off stazi internet monitor since there forms no binding contract between myself and other BCF members.

(note tipping off carries a 4 year sentence) .

Now that the government has a big share of almost all the clearning banks in the UK bar Barclays and HSBC, the government are going to be looking into the activities and suspicious actions of people who have deposits in such accounts....

As said the above does not constitute tipping off as I do not have any contractual link or association other than random strangers on an internet forum. so Stazi internet monitors.
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[Icey]

A provisional license is not good enough evidence (unless you are under 21).

Why is this? Surely this is as good as using a full license?
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Mutley - 1988 Austin Mini City - Blog
Suetonius - 1966 Series Land Rover - Blog
Uma J - 1981 Honda 'Naked' Goldwing GL1100 - Blog

[Irezumi aka Reuben]

Graham, I dont know Abbey's systems but I beleive they should be able to set up and close standing orders in branch at the counter.

Go in and politely ask if you could do this explaining the phone situation. If they dont then change banks. I say ask politely as the person behind the counter probably gets lots of shit for stuff which isnt their fault.

[Oz.]

[Mrs Kickstart]

[Itchy]

I don't mean loans to deposits I mean total assets/equity.

HSBC is

20.1

Deutche Bank is

61-1

Barclays is

60-1


I feel that Barclays is in a VERY precarious position even though its my bank, I'm sort of blacklisted from HSBC, and nationwide is the only other choice
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Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.

[Graham88]

[Oz.]

Complaints can refund £25 off the bat without an investigation anymore than that and they have to send off for investigation!

I found this out because again doing stuff for my Canada trip I bought 6k of Canadian dollars online off a currency broker and they only accept bank transfers. So I go online to Abbey Internet banking and setup a bill payment and send the money, 4 hours later the money still hasnt left my account. I camm up get put through to some ecommerce team who say "awww yeahhh it don't seem to have worked eh?" mr feckin captain obvious 'ere. so anyway he says there system is crap it doesn't recognise the Bank of Americas UK sort code even though he has checked the banking systems and the sort code is correct.

Only way is to go to the branch and get them to send it by CHAPS which is done same day, so i have to finish work early head to the branch spend 40 mins with one of the managers a the branch who has never done a CHAPS before, how the hell did you get to be a manager?! Anyway all goes though I get a letter a week later, fuckers are charging me £25 for the priveledge of there systems being shit and me having to send it by CHAPS! So another call to complaints to get my money back.


Haha this feels some Banking Angst column in the Financial Times version of The Daily Sport.


Oh yeah and to add to the Visa dispute story I got home last night to find that they had written to me to apologise for thier piss poor perfomance! In the letter they told me in these case we do not require you to fill out a disclaimer form and funds should have been refunded immediatly. So the form didn't need filling in and I didn't need to keep chasing the dumb fuckers for a month and a half if the original phone jockey had done my query right!

[Graham88]

It's so nice when you get to speak to an English person who understands what you're talking about.

All charges written off

[Tonka]

[iooi]

[Graham88]

[Tonka]

The online Bank I use lists out all my DD separately from my SO and I can also pay bills, transfer money to members of my family once I've set up their details etc. It's completely idiot proof and all the dates are listed - last taken for DD's, your set-up dates for the SO. Just have to remember to make sure money is there the day BEFORE it's needed - caught me out the first time.

I always worried about the security side of it tbh, but I keep my savings elsewhere (Icelandic ) so I have only everyday amounts in this account to minimise risk (ha, bloody, ha). I'd definitely recommend it for ease of money management
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