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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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OT. Santander again.
Heard a bit on the news that Santander (Spain) is in trouble.
However I also read that the Spanish and English branches are legally/ financially isolated. I read somewhere else that there are loopholes and money could be transferred to Spain to help out over there. Apparently by using it to pay out divi to Spanish shareholders. But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...by-enough.html But maybe not. http://www.moneysavingexpert.com/sav...avings#foreign Apparently if an EU bank in the UK goes bust, you would have to claim from the country of origin. So what happens if that country is bust/defaults? Ie the £85,000 Uk gov. thing does/may not apply. Banks from outside EU (eg Iceland) have to have the full cover. |
#2
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OT. Santander again.
harry wrote
Heard a bit on the news that Santander (Spain) is in trouble. However I also read that the Spanish and English branches are legally/financially isolated. I read somewhere else that there are loopholes and money could be transferred to Spain to help out over there. Apparently by using it to pay out divi to Spanish shareholders. But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...by-enough.html But maybe not. http://www.moneysavingexpert.com/sav...avings#foreign Apparently if an EU bank in the UK goes bust, you would have to claim from the country of origin. So what happens if that country is bust/defaults? You are SOL with the worst of them like Greece and Spain. Ie the £85,000 Uk gov. thing does/may not apply. Banks from outside EU (eg Iceland) have to have the full cover. |
#3
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OT. Santander again.
harry wrote:
Heard a bit on the news that Santander (Spain) is in trouble. Have you got a short position in Santander shares or something? |
#4
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OT. Santander again.
Andy Burns wrote
harry wrote Heard a bit on the news that Santander (Spain) is in trouble. Have you got a short position in Santander shares or something? Or just wants to avoid getting caught with any of his money in one of the banks. |
#5
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OT. Santander again.
On 18/05/2012 06:46, harry wrote:
Heard a bit on the news that Santander (Spain) is in trouble. However I also read that the Spanish and English branches are legally/ financially isolated. I read somewhere else that there are loopholes and money could be transferred to Spain to help out over there. Apparently by using it to pay out divi to Spanish shareholders. But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...by-enough.html But maybe not. http://www.moneysavingexpert.com/sav...avings#foreign Apparently if an EU bank in the UK goes bust, you would have to claim from the country of origin. So what happens if that country is bust/defaults? Ie the £85,000 Uk gov. thing does/may not apply. Banks from outside EU (eg Iceland) have to have the full cover. I would have thought a financial newsgroup a better place to get financial advice. However, while the FSA was set up by Act of Parliament, it is not a UK government scheme as such. It is part of an EU wide scheme of financial regulation that is funded by the financial services industry. Therefore, if a bank that is registered in another EU country, but not in the UK, goes belly up, any money you have on deposit with them is covered to EUR100,000 by the equivalent scheme in that country. In December 2010, when the limits were changed, £85,000 was the equivalent to EUR100,000. The important factor as to who guarantees your money is where the financial institution is registered. As Santander is registered with the FSA in the UK, it is the FSCS that provides the guarantee for investors in the UK, while the Spanish equivalent provides the guarantee for investors in Spain. As I said before, if you are worried, you can always move your money to another bank. The FSCS will not help if the financial institution has assets that can be used to offset any loss by investors, so there may well be delays before anyone gets money under the guarantee scheme. Of the high street banks, HSBC came out by far the best in the banking crisis, but Barclays did better than most of the others. Having banked with both, I prefer HSBC. Colin Bignell |
#6
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OT. Santander again.
In article , Martin
scribeth thus On Fri, 18 May 2012 10:39:06 +0100, Nightjar wrote: snip HSBC came out by far the best in the banking crisis, but Barclays did better than most of the others. Having banked with both, I prefer HSBC. We changed from Barclays to HSBC after almost 50 years with Barclays. We think HSBC is better than Barclays too. Agreed and Agreed.. Other month we needed to contact Barclitz on a simple query, went round the houses on hold and then came back to where we started;(.. Phoned HSBC and got straight thru to my branch manager who answered that one within 10 seconds.. Barclitz account isn't long for this world.... Only good thing about the Barclays branch is that they have a decent car park whereas HSBC don't, but as we got very few cheques now not a problem.. I sometimes wonder if some of these firms really want you as a customer I know BT don't. Barclays and now Vodafone who used to be good are farming off calls to somewhere not in England. And pushing you to use the net. If I could have used the net then I'd have used it but I needed to speak to someone!... -- Tony Sayer |
#7
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OT. Santander again.
On Fri, 18 May 2012 14:56:28 +0200, Martin wrote:
On Fri, 18 May 2012 12:46:44 +0100, tony sayer wrote: In article , Martin scribeth thus On Fri, 18 May 2012 10:39:06 +0100, Nightjar wrote: snip HSBC came out by far the best in the banking crisis, but Barclays did better than most of the others. Having banked with both, I prefer HSBC. We changed from Barclays to HSBC after almost 50 years with Barclays. We think HSBC is better than Barclays too. Agreed and Agreed.. Other month we needed to contact Barclitz on a simple query, went round the houses on hold and then came back to where we started;(.. Phoned HSBC and got straight thru to my branch manager who answered that one within 10 seconds.. Barclitz account isn't long for this world.... Only good thing about the Barclays branch is that they have a decent car park whereas HSBC don't, but as we got very few cheques now not a problem.. I sometimes wonder if some of these firms really want you as a customer I know BT don't. Barclays and now Vodafone who used to be good are farming off calls to somewhere not in England. And pushing you to use the net. If I could have used the net then I'd have used it but I needed to speak to someone!... I got rid of Barclays because somebody was trying to hack my Internet Banking account. New passwords arrived in the post every week. Complaints went to India where some tosser told me that it was impossible. He refused to route my call to my local manager. As a result I closed my account Personally, I would set the overdraft limit to 0, and keep £1 in it. Then ensure you are signed up to receive monthly statements. I did this 16 years ago ... |
#8
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OT. Santander again.
On May 18, 7:33*am, Andy Burns wrote:
harry wrote: Heard a bit on the news that Santander (Spain) is in trouble. Have you got a short position in Santander shares or something? No, I have no financial interest. I'm with the Nationwide! |
#9
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OT. Santander again.
On 18/05/2012 06:46, harry wrote:
Heard a bit on the news that Santander (Spain) is in trouble. However I also read that the Spanish and English branches are legally/ financially isolated. I read somewhere else that there are loopholes and money could be transferred to Spain to help out over there. Apparently by using it to pay out divi to Spanish shareholders. But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...by-enough.html But maybe not. http://www.moneysavingexpert.com/sav...avings#foreign Apparently if an EU bank in the UK goes bust, you would have to claim from the country of origin. So what happens if that country is bust/defaults? Ie the £85,000 Uk gov. thing does/may not apply. Banks from outside EU (eg Iceland) have to have the full cover. http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9274619/Santander-customers-with-more-85000-in-savings-make-withdrawals.html AKA http://tinyurl.com/c5kl4ox Andy |
#10
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OT. Santander again.
On Fri, 18 May 2012 12:46:44 +0100, tony sayer wrote:
We think HSBC is better than Barclays too. Agreed and Agreed.. +1 Phoned HSBC and got straight thru to my branch manager who answered that one within 10 seconds.. Similar here but with local branch visits, Barclays couldn't do anything without going through their controlling branch in Hexham 20 miles away. The local Barclays is also only open 3 days/week, but normal banking hours. A little better than the previous 5 days/week but opening late 1000 and closeing at 1400, or somthing like that. If I wander into the local HSBC branch the manager is there, quite often serving behind the counter and she can actually do things without refering upwards and as it's a quiet town you don't need an appointment. Provided you are prepared to wait a few minutes while she finishes her current task or gets up to speed on the details. Barclitz account isn't long for this world.... snip If I could have used the net then I'd have used it but I needed to speak to someone!... The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. The writing is on the wall for my Barclays account that I have had since mid-teens, nearly 40 years ago... -- Cheers Dave. |
#11
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OT. Santander again.
harry wrote:
But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...by-enough.html How is a DM article for Aug 2010 relevant? -- Jeremy C B Nicoll - my opinions are my own. Email sent to my from-address will be deleted. Instead, please reply to replacing "aaa" by "284". |
#12
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OT. Santander again.
"Dave Liquorice" wrote in message ll.co.uk... On Fri, 18 May 2012 12:46:44 +0100, tony sayer wrote: We think HSBC is better than Barclays too. Agreed and Agreed.. +1 Phoned HSBC and got straight thru to my branch manager who answered that one within 10 seconds.. Similar here but with local branch visits, Barclays couldn't do anything without going through their controlling branch in Hexham 20 miles away. The local Barclays is also only open 3 days/week, but normal banking hours. A little better than the previous 5 days/week but opening late 1000 and closeing at 1400, or somthing like that. If I wander into the local HSBC branch the manager is there, quite often serving behind the counter and she can actually do things without refering upwards and as it's a quiet town you don't need an appointment. Provided you are prepared to wait a few minutes while she finishes her current task or gets up to speed on the details. Barclitz account isn't long for this world.... snip If I could have used the net then I'd have used it but I needed to speak to someone!... The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. The writing is on the wall for my Barclays account that I have had since mid-teens, nearly 40 years ago... -- Cheers Dave. I had an account with NatWest from way backwhen it was the national Provincial . They messed me about more than once and the last straw was when they gave me the wrong information about about Travellers cheques which were useless however HSBC came to the rescue I have been with them ever since. I could say about Sanander as well but won't incase someone from Santander reads it. Robbie Robbie |
#13
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OT. Santander again.
In message o.uk, Dave
Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. Glad I'm not alone in thinking that They've totally lost the plot -- geoff |
#14
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OT. Santander again.
In message id, Jeremy
Nicoll - news posts writes harry wrote: But it was only the DM so it could be ********. http://www.dailymail.co.uk/money/art...nder-goes-melt down-customers-wave-bank-goodby-enough.html How is a DM article for Aug 2010 relevant? Look at the OP - Its harry, he lost the plot 50 years ago -- geoff |
#15
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OT. Santander again.
geoff wrote:
Dave Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I don't find it too slow, works fine even on a 2 1/2 year old smartphone Glad I'm not alone in thinking that The one advantage the new site has is that I can now log in using my sortcode/account number which has been burned into my brain for over 30 years rather than some online banking number I can never remember. Either way, I've moved chunks of cash out of my Barclays accounts as they seem unwilling to offer savings rates that compete with others (not that the rates from the others are brilliant!) |
#16
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OT. Santander again.
On Sun, 20 May 2012 09:36:14 +0100, Andy Burns wrote:
The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I don't find it too slow, works fine even on a 2 1/2 year old smartphone Only 2 1/2 years old is not old, thats modern. My normal machine is over 10 years old, single core 1GHz Athlon. Not running windows bloatware it is plenty fast enough for normal computing use of letter writting, email, usenet and web browsing, for sites *not* witten by "designers" who must use all the latest browser features and don't appreciate that not everybody has the latest web browser or over clocked quad core 3GHz machine. The one advantage the new site has is that I can now log in using my sortcode/account number which has been burned into my brain for over 30 years rather than some online banking number I can never remember. Changed branches when we moved 12 years ago, don't know new sort code/account number but I could probably tell you the old one... I don't like Barclays pin sentry card reader thingy, means I have to have it and card with me to login. HSBC Business has a little press the button "random" number generator. HSBC's Business Online Banking works if you turn javascript off and it's pretty quick. You can't even login into Barclays with Javascript off. -- Cheers Dave. |
#17
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OT. Santander again.
Dave Liquorice wrote:
The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I don't find it too slow, works fine even on a 2 1/2 year old smartphone Only 2 1/2 years old is not old, thats modern. My normal machine is over 10 years old, single core 1GHz Athlon. A 2 1/2 year old phone isn't *that* old as a phone, but my point was that compared to a PC it is indeed quite lowly (1GHz ARM processor, 512MB RAM) so probably lower spec than your 10 year old PC. The one advantage the new site has is that I can now log in using my sortcode/account number which has been burned into my brain for over 30 years rather than some online banking number I can never remember. Changed branches when we moved12 years ago, don't know new sort code/account number They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. |
#18
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OT. Santander again.
They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. Several building society branches for making and receiving cash doing the same thing. Surely the time is coming where this by economic necessity will be combined into just the one "money office" for all banks and other fiscal entities. Why do you need them?. Just to pay cheques into?, and cash is fast going out of fashion the number of people around here who pay for drinks in some local pubs they now just have a tab and before they go settle on the card. Course you might what to go and beg for an overdraft increase or negotiate a loan but why cannot that go and be done by phone or the web?... -- Tony Sayer |
#19
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OT. Santander again.
In message , Andy
Burns writes geoff wrote: Dave Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I don't find it too slow, works fine even on a 2 1/2 year old smartphone Glad I'm not alone in thinking that The one advantage the new site has is that I can now log in using my sortcode/account number which has been burned into my brain for over 30 years rather than some online banking number I can never remember. Either way, I've moved chunks of cash out of my Barclays accounts as they seem unwilling to offer savings rates that compete with others (not that the rates from the others are brilliant!) Same here I almost moved it all the other day as they charged me £35 for not having the funds in the current account to cover the 23k VAT bill at midnight of the day the DD was taken. The money was transferred into the account at 09:30 to cover the transaction Now, I was under the impression that, as long as the account was in credit during the day, there shouldn't be a problem. Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Barclays condescended to pay me the charge back after I (uncharacteristically) got a bit shouty at them, but ... Am I right, or are they ? -- geoff |
#20
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OT. Santander again.
tony sayer wrote
They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. Corse we don’t, I havent used one in 40 years and I only did that then when the fool of an accountant wouldn’t talk to me on the phone about a problem I had had with their ATM. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. You don’t even need those, just post the cheques and use ATMs to deposit cash. You'd obviously need some branches to receive cash from businesses, but that’s not consumer banking. Several building society branches for making and receiving cash doing the same thing. Its far from clear that the post office branches would be interested in receiving all the cash from all businesses tho. Surely the time is coming where this by economic necessity will be combined into just the one "money office" for all banks and other fiscal entities. You can run the same line about petrol stations and grocerys too. Why do you need them?. I don’t. Just to pay cheques into?, Don’t use them for that myself, I post the tiny number of those I get now. and cash is fast going out of fashion Not with businesses it isnt. the number of people around here who pay for drinks in some local pubs they now just have a tab and before they go settle on the card. I still use cash for the farmer's markets and garage/yard/boot sales. But I get that cash from the supermarket self service checkouts not from a bank branch and not from an ATM either. Course you might what to go and beg for an overdraft increase or negotiate a loan but why cannot that go and be done by phone or the web?... Why not indeed. I financed the house I was building entirely myself 40 years ago that way, never saw anyone involved in lending me the money in person at all, all done by phone and mail. Paid for the latest new car using my card too. |
#21
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OT. Santander again.
Windmill wrote
geoff wrote Dave Liquorice wrote The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. Glad I'm not alone in thinking that They've totally lost the plot The same can be said of many websites, not just bank sites. Sure. Tho the shopping sites have a lot more to do than bank sites. I've always thought that every web designer should be forced to use a 75Mhz 486 for web design. No thanks. It makes sense for some sites to work well with more horsepower than that. And quite a few web sites are designed to work with that level of horsepower too, most obviously with net books and mobile phones. That would compel him/her to create fast, efficient code without bells and whistles. I want the bells and whistles with some sites. Of course Marketing would, foolishly, object to that. Taint foolish at all with some sites. There are still a few rare sites which can be conveniently accessed by a text-only browser like lynx and which are laid out in a convenient way for such a browser. With few or no images. And some sites just arent viable with few or no images. I'm certain that if it was always a matter of choice ("click here for text only"), few would use the graphic version. Most do with the sites that offer that option. The speed difference would amaze a generation brought up on pretty pictures. Many sites are useless when text only. Wikipedia does use images sensibly most of the time. Obviously there are a few cases where an image is essential, but not for things like bank statements. They are useful even with a bank site. |
#22
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OT. Santander again.
In article , Rod Speed
scribeth thus tony sayer wrote They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. Corse we dont, I havent used one in 40 years and I only did that then when the fool of an accountant wouldnt talk to me on the phone about a problem I had had with their ATM. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. You dont even need those, just post the cheques and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... You'd obviously need some branches to receive cash from businesses, but thats not consumer banking. Several building society branches for making and receiving cash doing the same thing. Its far from clear that the post office branches would be interested in receiving all the cash from all businesses tho. Yes it would, it'd keep them in business... Surely the time is coming where this by economic necessity will be combined into just the one "money office" for all banks and other fiscal entities. You can run the same line about petrol stations and grocerys too. Thats happening already, petrol stations like pubs are closing all too rapidly ... -- Tony Sayer |
#23
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OT. Santander again.
In article , geoff
scribeth thus In message , Andy Burns writes geoff wrote: Dave Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I don't find it too slow, works fine even on a 2 1/2 year old smartphone Glad I'm not alone in thinking that The one advantage the new site has is that I can now log in using my sortcode/account number which has been burned into my brain for over 30 years rather than some online banking number I can never remember. Either way, I've moved chunks of cash out of my Barclays accounts as they seem unwilling to offer savings rates that compete with others (not that the rates from the others are brilliant!) Same here I almost moved it all the other day as they charged me £35 for not having the funds in the current account to cover the 23k VAT bill at midnight of the day the DD was taken. The money was transferred into the account at 09:30 to cover the transaction Now, I was under the impression that, as long as the account was in credit during the day, there shouldn't be a problem. Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Barclays condescended to pay me the charge back after I (uncharacteristically) got a bit shouty at them, but ... Am I right, or are they ? Geoff you are wrong .. you have the choice to move .. Do it;!... -- Tony Sayer |
#24
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OT. Santander again.
tony sayer wrote
Rod wrote tony sayer wrote They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. Corse we dont, I havent used one in 40 years and I only did that then when the fool of an accountant wouldnt talk to me on the phone about a problem I had had with their ATM. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. You dont even need those, just post the cheques and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... If you dont, you lot need to get your act into gear on that if many consumers actually deposit much cash at all. You'd obviously need some branches to receive cash from businesses, but thats not consumer banking. Several building society branches for making and receiving cash doing the same thing. Its far from clear that the post office branches would be interested in receiving all the cash from all businesses tho. Yes it would, Easy to claim... it'd keep them in business... Its far from clear that they would be interested in the effort. Surely the time is coming where this by economic necessity will be combined into just the one "money office" for all banks and other fiscal entities. You can run the same line about petrol stations and grocerys too. Thats happening already, petrol stations like pubs are closing all too rapidly ... Bet you dont see too many places with significant numbers of customers that end up with just one of either of those. |
#25
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OT. Santander again.
On 21 May 2012 09:07:08 GMT, Huge wrote:
You don t even need those, just post the cheques ... Adding at least another 24hrs to when you can actually use your money. ... and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... Yep. But they only take a limited amount, They used to but I've not see one with street access for a while and even then I'm not sure the deposit ones I have seen were not actually within branches. I think they only took paper cash as well, no coins. The night safe is still in the wall of the HSBC branch in town but don't know if it's still used. -- Cheers Dave. |
#26
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OT. Santander again.
On Sun, 20 May 2012 12:59:43 +0100, tony sayer wrote:
Surely the time is coming where this by economic necessity will be combined into just the one "money office" for all banks and other fiscal entities. Well it would be nice but can you see the banks, building societies etc agreeing on who is going to pay for a such a service? They don't trust each other as it is and only begrudgingly allow people to shift money from one bank to another. Look how long it has taken them to accept the Faster Payment service and even now that's not universal. Course you might what to go and beg for an overdraft increase or negotiate a loan but why cannot that go and be done by phone or the web?... Because the teletubbie on the end of the phone has english as a second language, can only follow the script presented to them and not make any actual real decisions. The web, by it's nature, is utterly script bound. Both are just take what is offered, no opportunity for flexibilty or adjustment. In a real live face to face meeting with a manager who has the authority to make decisions is far better IMHO. They can be flexible and adjust things as required, although still limited in what the computer will let them do, a good manager can work around those limitations though. -- Cheers Dave. |
#27
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OT. Santander again.
Dave Liquorice wrote
Huge wrote Tony Sayer wrote Rod Speed wrote You don t even need those, just post the cheques ... Adding at least another 24hrs to when you can actually use your money. If you care about that, makes a lot more sense to have an electronic funds transfer instead of a cheque. ... and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... Yep. But they only take a limited amount, They used to but I've not see one with street access for a while and even then I'm not sure the deposit ones I have seen were not actually within branches. I think they only took paper cash as well, no coins. The night safe is still in the wall of the HSBC branch in town but don't know if it's still used. |
#28
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OT. Santander again.
On Sun, 20 May 2012 12:08:29 +0100, Andy Burns wrote:
Only 2 1/2 years old is not old, thats modern. My normal machine is over 10 years old, single core 1GHz Athlon. A 2 1/2 year old phone isn't *that* old as a phone, but my point was that compared to a PC it is indeed quite lowly (1GHz ARM processor, 512MB RAM) so probably lower spec than your 10 year old PC. I'd say it's more powerful as the ARM processor can perform more instructions per second for the same clock. But it's not just sheer processing grunt, it's also browser and javascript implimentations. Barclays online banking *requires* javascript, you can't even enter anything into the first login page without javascript enabled. And when you do have javascript enabled even on a dual core 2.8GHz machine with recent broswers/javascript there is significant lag between pressing keys and the page noticing. Then there are all the fixed sized containers that don't allow for a minimum font size in the browser being set so the rendering becomes a mess. HSBC Business or Halifax don't require javascript for you to be able to use them. They respond quickly, without fuss and render without any problems. I wouldn't need to change branches if I moved, I do business at whatever branch suits me. I hadn't moved branches when I was living in Bristol and the branch was in Birmingham but my parents still lived in Brum at that time. Both parents are now dead and Birmingham is a long way from the NE of Cumbria... -- Cheers Dave. |
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OT. Santander again.
tony sayer wrote:
In article , Rod Speed scribeth thus tony sayer wrote They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. Corse we dont, I havent used one in 40 years and I only did that then when the fool of an accountant wouldnt talk to me on the phone about a problem I had had with their ATM. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. You dont even need those, just post the cheques and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... Midland had lobby based ones in 1995 ish... They were more of night-safe concept (ie cash in envelope with paying in slip) but they did give you a receipt for the envelope based on inserting your card... -- Tim Watts |
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OT. Santander again.
On Mon, 21 May 2012 06:46:37 +1000, "Rod Speed"
wrote: There are still a few rare sites which can be conveniently accessed by a text-only browser like lynx and which are laid out in a convenient way for such a browser. With few or no images. And some sites just arent viable with few or no images. They'd be illegal in the EU, then. |
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OT. Santander again.
geoff wrote:
I almost moved it all the other day as they charged me £35 for not having the funds in the current account to cover the 23k VAT bill at midnight of the day the DD was taken. The money was transferred into the account at 09:30 to cover the transaction Now, I was under the impression that, as long as the account was in credit during the day, there shouldn't be a problem. Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Am I right, or are they ? I think they are. The money you transferred in at the start of the day will possibly not show up as a cleared credit until the following day, or maybe even later. So you would have needed to pay it in yesterday or earlier so it was available for use by today. It also depends where it came from, and how, eg if it had been paid in by personal cheque and that cheque might later bounce. The bank's unlikely to regard it as really adding cleared funds to your account until they've heard back from the payer's bank that they had the funds to pay the cheque. (Though what's usually known as a "Building Society cheque" is different - really those bits of paper are negotiable currency in their own right - guaranteed money - at least provided the Building Society who issued it don't go belly up before the cheque is presented.) If on the other hand you transferred the incoming £23k from another account held at the same bank, where it had been a cleared (ie trusted) balance for days or weeks, I'd expect it to have arrived as cleared funds in your current account. I've made 'Faster Payments' electronically that moved money from account to account and to other banks, within hours. But the money started off as definitely present so each transaction could properly move known-to-exist amounts. -- Jeremy C B Nicoll - my opinions are my own. Email sent to my from-address will be deleted. Instead, please reply to replacing "aaa" by "284". |
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OT. Santander again.
Jeremy Nicoll - news posts wrote:
current account. I've made 'Faster Payments' electronically that moved money from account to account and to other banks, within hours. But the money started off as definitely present so each transaction could properly move known-to-exist amounts. I had an RBS-HSBC transfer show up in less than 5 minutes the other day. -- Tim Watts |
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OT. Santander again.
On May 21, 10:07*am, Huge wrote:
On 2012-05-21, tony sayer wrote: In article , Rod Speed scribeth thus tony sayer wrote They shut down my branch without telling me (I just noticed it was boarded up one day) but the S/C and A/C didn't change, I wouldn't need to change branches if I moved, I do business at whatever branch suits me. Do we still -need- bank branches?. Corse we don’t, I havent used one in 40 years and I only did that then when the fool of an accountant wouldn’t talk to me on the phone about a problem I had had with their ATM. OK they are making a few jobs for people but around here there are under used post offices that could be used to pay cash and cheques into. You don’t even need those, just post the cheques and use ATMs to deposit cash. Not seen an ATM that takes cash here in the UK .. anyone?... Yep. But they only take a limited amount, so if you've got to pay in a week's takings for a busy shop it would be a PITA. Night safe? |
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OT. Santander again.
Grimly Curmudgeon wrote
Rod Speed wrote There are still a few rare sites which can be conveniently accessed by a text-only browser like lynx and which are laid out in a convenient way for such a browser. With few or no images. And some sites just arent viable with few or no images. They'd be illegal in the EU, then. Pigs arse they are with shopping sites where few are prepared to buy stuff that doesn't have unique names without an image of it so they can confirm that its basically what they want to buy. And even when they do have a unique name, hordes don't know what that name is, so again need an image to confirm its what they want if they have to find it by browsing the category etc. |
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OT. Santander again.
Jeremy Nicoll - news posts wrote:
wrote: Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Am I right, or are they? I think they are. The money you transferred in at the start of the day will possibly not show up as a cleared credit until the following day But when you transfer money between Barclays accounts the web site (or at least the old one did, dunno about the new one) says "That's it, all done, your money is where you want it" OWTTE... |
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OT. Santander again.
In message id, Jeremy
Nicoll - news posts writes geoff wrote: I almost moved it all the other day as they charged me £35 for not having the funds in the current account to cover the 23k VAT bill at midnight of the day the DD was taken. The money was transferred into the account at 09:30 to cover the transaction Now, I was under the impression that, as long as the account was in credit during the day, there shouldn't be a problem. Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Am I right, or are they ? I think they are. The money you transferred in at the start of the day will possibly not show up as a cleared credit until the following day, It was from a deposit account at the same branch. I could see the transferred balance in the current account immediately after the transfer or maybe even later. So you would have needed to pay it in yesterday or earlier so it was available for use by today. .... ... If on the other hand you transferred the incoming £23k from another account held at the same bank, where it had been a cleared (ie trusted) balance for days or weeks, I'd expect it to have arrived as cleared funds in your current account. Exactly so I've made 'Faster Payments' electronically that moved money from account to account and to other banks, within hours. But the money started off as definitely present so each transaction could properly move known-to-exist amounts. -- geoff |
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OT. Santander again.
In message o.uk, Dave
Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. With my old clunker, using XP and Firefox V12, the latest Barclays online banking seizes up when I get to 'My Accounts'. With IE8 and Safari, it is OK. I was told to try Firefox V12 portable, and that DOES work. All are a little slow - but not unduly so. -- Ian |
#38
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OT. Santander again.
geoff wrote:
In message id, Jeremy Nicoll - news posts writes geoff wrote: I almost moved it all the other day as they charged me £35 for not having the funds in the current account to cover the 23k VAT bill at midnight of the day the DD was taken. The money was transferred into the account at 09:30 to cover the transaction Now, I was under the impression that, as long as the account was in credit during the day, there shouldn't be a problem. Someone else told me that, as barclays is a clearing bank, the funds had to be in the account by 15:00 Am I right, or are they ? I think they are. The money you transferred in at the start of the day will possibly not show up as a cleared credit until the following day, It was from a deposit account at the same branch. I could see the transferred balance in the current account immediately after the transfer My experience of Barclays is that for their internal accounting purposes, debits are deemed to have been made at opening time on the day they're made, no matter when the instructions are actually received by the bank, while credits don't count until closing time, no matter where they come from or when they arrive, while their boast that you can draw against a cheque deposited into your current account on the same day without penalty only applies if the cheque doesn't bounce, in which case, they retrospectively charge you for the bouncing cheque, and any other penalty they can think of. Last time I bought a house, the transfer from my current account was made a couple of hours later than the electronic credit from the mortgage company "cleared" into that account. They still charged me interest for the full amount for the day it was "missing" from the current account. I only got the penalty charge for exceeding my overdraft limit removed by complaining. -- Tciao for Now! John. |
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OT. Santander again.
Ian Jackson wrote:
In message o.uk, Dave Liquorice writes The "all new and improved" Barclays online banking has become a script ridden slow and clunky heap of ****. I guess if you have a powerfull modern machine with the latest browser it's a nice form over function "experience" but I don't want an "experience". I want to log in, shift money/get information and log out as quickly as possible. With my old clunker, using XP and Firefox V12, the latest Barclays online banking seizes up when I get to 'My Accounts'. With IE8 and Safari, it is OK. I was told to try Firefox V12 portable, and that DOES work. All are a little slow - but not unduly so. My main problem with it is that the logon screens won't fit on a 1280X800 monitor. -- Tciao for Now! John. |
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OT. Santander again.
En el artículo , Huge
escribió: I've done transfers between different banks that have already happened by the time I've switched & refreshed browser windows. Most impressive. There's a newish system called Faster Payments which more and more banks are adopting. http://en.wikipedia.org/wiki/Faster_Payments -- (\_/) (='.'=) (")_(") |
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