Just made a special trip into town because i need to pay my credit card by the 2nd Jan checked the closing time of my local branch online first and walked through the door only to be told we are closed....so i say cant i just make a quick payment as you still have customers in the bank... no it a security risk and you only got in cos we where letting someone out....lie as i passed nobody. Si i say have you got a manager i can talk to and some youngster who doesn't look old enough come up and says he is the manager and i have a moan and say i need to pay my credit card by 2and and i only have cash and he says it will be fine if i pay on the day to which i reply OK then will the branch cover the late payment charge to which i get no reply....now making a complaint to the head office .....fooking banks!! Lloyds by the way....told them they dont live up to their adds and thinking of jumping ship after over thirty years. ##****%%%%%$£$££$$$$ and breath.
I just use the app on my phone to transfer funds from my current account to my credit card Took me longer to write this, than it takes me to pay my card off
Waste of time complaining as you have just seen their attitude after being bailed out by the taxpayer, vote with your feet and dump them.
Tricky will now sign up and they will close his branch next year cos everyones on line. Pip squeak manager just closed his own branch.
I'm going to dump Peter James ins next month as they ripped me off for a mid season bike change, can't wait as i'm already getting there groveling valued customer renewal letters
If you can make the payment on 2nd, it should be accepted. A few years ago, the banks were required to post credits against the account on the day the funds are received, not after a 'clearing' period as used to be the case, even with cash. I was with Lloyds for donkeys years, and had many fallings out with them. On one occasion, they froze my account 6 days after pay day (25 days before next one), all because a certain Maggie T (grrrr) had introduced poll tax, which trebled my local authority tax in one swoop, and her chancellor pushed mortgage interest rates through the roof! As soon as I managed to stay in credit for 6 months (a requirement to be accepted by another bank), I moved my meagre fund to TSB, only for them to be taken over by... ...Lloyds. So, I thought 'stuff that' and moved the piggy bank to Halifax. Yes, they were also acquired by Lloyds a few months later. Ho-hum.
Its more about the principal i am signed up for internet banking but in this case i was paying off a large part of the CC balance to avoid interest and dont have enough in my account to cover it and wont use the joint account so wanted to pay cash. I am old school and dont agree with the cuts in counter services so the bank can make even more money off us....so i always use the counter when visiting the bank on principal.....whatever happened to good old customer service.
I guess in this case, customer service pointed a loaded gun at their foot, took careful aim and pulled the trigger. There are no banks left in our nearest town (cash machines at the Coop and petrol station), and only one at the next nearest - one recently close after some bright spark ripped the front off the building with a JCB trying to steal the cash machine. The building was rendered unsafe and the bank will probably be closed for good.
No need to apologise DD. No skin off my nose That'll be the "legitimate" source of your wads then? Happy New Year DD Edit: why do the smiley emojis disappear when I post replies???
Try Starling Bank, I have shifted my entire family, excellent. Had a mishap in New York just before Christmas when a bloody hotel inadvertently charged me a $1000, called Starling money back in my account in 4 minutes. No branches purely mobile app based
I think its sad the way banks treat you these days...being an old git i can remember going into the bank with my dad as a child and the staff positively fawning over him ....this way sir and can i get you a tea while you wait.....and he wasn't wealthy.
High streets are archaic now. Soon all the banks will be gone, all the jewellers, wh Smith's, etc. No need for them, internet shopping will eventually wipe them out. Personally I quite happy about it, I always hated shopping, can't see the point of spending time buying stuff from a poor selection of overpriced outlets which are local to me. If I need something, on the phone, eBay, Amazon or internet sites are searched. M better than getting in the car, driving around to park, paying to park then walking about and possibly parting with £10 at some cafe for a cup of tea!!! (&Cakes, etc that you don't really need). Roll on the slow and painful death of the high street.
I foresee a subtly different future. We have the internet for mass produced commodities and mass customisation when you can order a car with so many personal variations but...... there will always be space for local, fresh food and a growing market for unique crafted stuff which we are increasingly better able to afford along with coffee shops etc. I see wine bars are making a come back and suspect more of a social focus emerging; in effect, ‘only on the High Street’. Naturally, that will not include me or Mr O!
I still like a personal touch where you can talk to a person rather than an automated robotic message or a period of "press 1 followed by the hash" but then I get irate when all I get is Asiatic voice telling me "Hello My name is Keith" No its F#cking not I also have an inbuilt fear of Scamming barstewards with online transactions, ho hum bring back simple days of old, Im just a crusty old fart and know it.
I to like the personal touch. But you know I walked the streets of Slough trying to find Christmas boxes for my grandchildren could I find any thing. Just food shops and pubs or pound like shops with tripe. So thought I would buy clothes. I searched could I find any thing for under fives. Ended up going to Basingstoke just to find a toy shop. Next year it will be on line for sure. Happy New Year. Joe.
FYI, in the new millennium, the government made it a legal requirement for all bank employees to ascertain the origin of any cash deposits over £100 for money laundering purposes. The law was specifically changed so that employees can face criminal proceedings up to and including jail for failing to investigate. A Nationwide B.S. bank clerk received a sentence in 2005/2006 as a result. So when they ask, they have to by law. Trust me, they don't actually care where you got your notes from. (Yes I was a banker before my nurse career)
Umm thats a bugger, I’m expecting a pile of cash from this nice Nigerian prince I helped out a few weeks ago,
That's fooking ridicules....off to try paying again in a bit.....stay tuned for the new rant when i come back. and watch out for the news feature " pensioner forces 23 year old bank manager to eat £450"