[OT] What is this country coming to?

Oh, I hand't realised we were talking about savings accounts. How generous that they should even offer ATM access!

in your pocket!?!

with euros there are 50-60 different possible checks.... i use 6 1/2.... paper texture printing raised... value printed part on both sides.... holographic strip...and another holo strip that only shows at some angles... water marks..... wire through...

you can almost certainly get a list from banks or the boe... (forging is not rare with euros)

regards...

that's because it is you...

naturally...just as i said....

In message , hummingbird writes

One of the problems with law is that, until it has been tested in the Court, no-one really knows how it will be interpreted by the Court.

In many instances, advice given by various bodies, including government bodies, makes it clear that it is merely advice or guidance, and not a strict interpretation of the law.

As a concomitant, organisations sensibly assume the worst case scenario, and create their systems and policies to comply with this.

This was exactly my experience with the Money Laundering Act when it became applied to estate agency. Some customers werent happy with what I asked them to provide before we could market their property and, in some instances, I had to decline the business. Some agents werent quite as strict, and took them on, but I wasnt prepared to chance a criminal offence for the sake of marketing a property where I may, or may not, make some money.

I definitely blamed the government for this - and for encouraging gazumping!

On Sat, 24 Dec 2005 12:24:50 +0000, john boyle mysteriously appeared thru the usenet mist to inform us thus...

Then they should put a notice up on the wall so we all know they don't want our business.

The incidents of such requests are very low and they could easily place an upper limit per transaction, say £500.

a) The banks use machines to count the coins. b) Such people are usually commercial customers.

Maybe they're in the wrong business then.

See above. *If* I'd handed over £5,000 of £20 notes and asked for

I repeat: how much more cost to them if I queued up to w/d cash?

Not to me.

So they say.

So?

Tough. My heart bleeds for them. They should install more user-friendly ATMs.

Not at all. They are legalised crooks of society, along with politicians.

And you never will.

My heart bleeds. The banks only made ~£10 billion profit this year.

This particular bank maybe because I only use them as a post office for money/payment transactions. I keep my real money elsewhere and those banks rip me off by charging me 1.50% to w/d my cash! after paying me a pawltry interest rate.

On Sat, 24 Dec 2005 12:43:39 +0000, john boyle mysteriously appeared thru the usenet mist to inform us thus...

They are either Internet-only accounts (Egg) or they have counter services in the UK (HSBC). Cater Allen afaik operate offshore accounts and isn't a UK High Street bank.

Depending on the account I have much more than this.

Sure, but it still amounts to lost opportunity for me.

Making profits on my money.

No, I was only asking the bank to do something which they should do via their ATMs - ie give me my money in the notes I want. What next? Will they want to dispense my cash in 10p coins all over the floor?

Ah so you're a bimbo calling yourself 'john'. hhmmm Does that man you're confused or gay or something in between?

Rotfl. I have never and would never use a chav airline.

In message , hummingbird writes

That sounds like a good machine.

The increase in value of the notes dispensed is largely because of increased usage and a substantial increases in the average amount withdrawn. In the early days fivers were enough to see an ATM full of notes survive the weekend without a top up but as usage and withdrawal sizes increased the larger denomination needed to be introduced. Whenever this happened there were always complaints, but it was less complaints than would be received if the ATM went down cos it had run out of dosh. Having a variety of denominations will naturally decreases the capacity of the machines. Perhaps Spanish machines are not used in the same manner as over here.

In message , hummingbird writes

I will put it another way, where doe they say they WILL offer you thisa service?

Smaller transactions are as bad as large, in fact if they are non standard multiples of notes or coin they take longer.

Not generally at the till though.

With piggy banks? This is a real bank, not one in Trumpton.

Anyway, business customers pay for the cash exchange service.

They are happy to be in the business for people who are prepared to pay. But you werent prepared to pay.

In general, banks would lobe to be out of the cash transmission market. Many cash businesses make use of the post office and old 'girobank' because they would accept cash for free as it was a cheap way of getting cash into post offices. Once the business had paid in all their cash it would be sent by telegraphic transfer to their real bank.

I dont understand why you are getting so worked up about this.

See below, the bit in which you answer 'so'.

Dont you get it? You cost the bank *more*? using the ATM and then the cashier doesnt do the bank any favours at all.

This is the attitude that exemplifies this threads heading.

These views sum your attitude up I think.

Right, so you ARE costing them more than they make on you. You arent doing them any favours at all!

This IS a rip off. Is it a Credit Card thing or are you getting a whopping interest rate?

Its not *your* cash. Its is just *cash*.

What makes you think it is 'yours'?

Quite!

In message , hummingbird writes

Well HSBC operate a commercial only banking unit in Northern Ireland with no cash handling branches. Cater Allen offer UK current accounts with all the trimmings, but they dont have any branches.

I suppose your comment limiting it to 'high street' is a bit of a conundrum becuase the only reason to be in the high street is to serve clients.

A better example would have been Bradford & Bingley. Yes, they have 'cashiers' and are a bank in the High Street. They do not offer any cash transmission or exchange services at all. Their main reason for existence on the high street is to flog commission paying investments and broke mortgages.

But elsewhere you say you only keep a small amount in the account which is the subject of this thread. The fact that you keep your main dosh in a different account exemplifies my point. I.e. you claim the bank are making money out of you because of the low rate of interest you get yet I am saying that they arent making any money out of you, in fact they are losing money, because you havent got enough in that account to cover its running costs.

Yes, but the opportunity lost is worth less than the cost of the service they provdie.

But they are losing money on you.

WQhy *shlould* they do this? I dont understand why. The denominations offered are reasonable and to offer lower denominations would mean the ATM would run out of dosh overnight. Which would you prefer?

I assume you omitted a smiley there! The next stage will be twenties only, then fifties and twenties unless a new denomination is introduced by the BoE.

I didnt think'bimbo' was necessarily restricted to one gender, I am not as familiar with the word as yourself, but I take it to be degrading. Your use of it from the outset was what drew me to the title of this thread and your attitude being the main example of what is going wrong in this country.

:-) !!

On Sat, 24 Dec 2005 17:04:00 +0100, abelard mysteriously appeared thru the usenet mist to inform us thus...

Ah yes, peering over my own shoulder I suppose. I wonder how I manage that. Get a grip lardy and lay off the absinth.

It was cold.

"hummingbird" wrote

Not at all - I meant it to apply to your full comment. And it does.

You said "blah blah would have a helluva problem doing blah blah". It doesn't matter what the "blah blah" bits were - I'm saying it's *not* a problem doing it.

"hummingbird" wrote

No, not me - it's *you* who were confused, as seen below :-

"hummingbird" wrote

If that's what you meant, perhaps it would have been an idea to actually write that?!

You didn't; I replied to what you actually *wrote*.

"hummingbird" wrote

Fortunately, you don't need to. The Banking Code only makes you liable if the bank can *show* that you were acting fraudulently, or grossly negligently.

"hummingbird" wrote

Nope, not just those. Check out section 12.12:

Liability for losses

12.12 Unless we can show that you have acted fraudulently or without reasonable care, your liability for the misuse of your card will be limited as follows.

- If someone else uses your card, before you tell us it has been lost or stolen or that someone else knows your PIN, the most you will have to pay is 50.

- If someone else uses your card details without your permission, and your card has not been lost or stolen, you will not have to pay anything.

- If someone else uses your card details without your permission for a transaction where the cardholder does not need to be present, you will not have to pay anything.

- If your card is used before you have received it, you will not have to pay anything.

"hummingbird" wrote

Same with non-C+P cards. That's not a C+P issue!

take it slowly buzzy....peering over the shoulders of others....

yes sir, that's what they all say....please come this way sir....

Normal paper will glow under the lamp. Bank notes shouldn't.

You can defeat this by dipping a sheet of paper in sun tan lotion.

So you could easily narrow the range of suspects.

- If someone else uses your card details without your permission, and your card has not been lost or stolen, you will not have to pay anything. >

Bit confused here. Several years ago out of the blue the bank rang to ask if I'd used my card that day. No. They said they were cancelling it because it had been used to for two transactions which appeared from the next statement to have been in the US. Had not lost or lent card or handed details to anyone. I was not sure of the rules but thought they might reimburse me. They did not but the sum was not huge being 70 so did not pursue it assuming you had to pay.

Since then I've been told by a shopkeeper that they lose the money on fraudulently used cards not the bank. So in my case presumably the bank gor their money back and charged me as well!

so, you didn't tell us she was an accomplice!

"Paul Hyett" wrote

But if it's not narrowed to just one, then what do you do next?

Not give out change to people trying to swap above a certain amount?