The actual banking day in hours

KillerAngry

Hey all

I made an account just so I could post a reply (or rather a bunch of questions). Forgive as I don't know forum decorum. So i'll just get into it.

I have a DD that comes out on the 15th of every month, and as that was on a saturday this month, it would come out on the monday. Now i'm self employed so I always deposit money into my account before the payment is due. So here's me thinking i'll put the money in my account on saturday ready for the monday:think:

But to my colossal horror I've been charged something called a 'Payment review fee'!!! :mad: :mad: and next to it said 'item paid'. For the life of me I couldn't figure out what it was for, so I did some "goggling" and find out it's when you don't have sufficient funds. I OFFICIALLY HATE A+L.

The questions I wanted to ask are !!!!!!?! Is There anything i can do about this seeing as I DID have enough funds? and also does this kind of thing affect my credit rating?:sad:

Can anyone help me with this??? A reply would be great........

ShelfStacker_3

A&L work on the basis that you need the money in the working day before the DD is due, and the working day before Monday is Friday. Sadly you paid in the money too late.

You could ask for the fee back as you'd paid the money in, it's worth a shot, but it's not guaranteed to get you anywhere. It won't affect your credit rating though.

Lokolo

Doozergirl wrote: »

That isn't what I said. If you can't credit me with intelligence, it really is rude to ridicule others less fortunate than yourself in the brain department

To clarify. Machines are good for profit. Staff are an expensive resource but jobs and livings are important to those individuals in those jobs. It's those customers that want the personal service that are keep bank cashiers in a job. It's ironic that a bank cashier finds these customers a bit of a waste of time

No... its the customers that need the cashiers that are keeping them in the job. The people that are queueing up to do something that could be done elsewhere are just wasting time for others.

By all means I am up for keeping cashiers, but for people that actually need them. Those that need to transfer CHAPs elsewhere, business bankers that need something etc., not those that wish to deposit £100 or a £10 cheque. Thats why they have the machines. I used to hate waiting in a queue to deposit my wages (as we had it in cash originally), since the machines, I go in, put my card in, put the money in. Go home and the moneys there for me to spend (not sure if thats a good thing or not.. lol). And I can see why people get annoyed by those infront of them in the queue wishing to deposit cash but refuse to use the machines.

With the banking hours getting shorter and shorter people have to go during their breaks (hence why lunchtime is extremely busy in banks), or early in the morning before shops get busy, if they have to wait in a queue for 30minutes because of 20 people cashing money to cashiers it just annoys them.

ldavies_3

There is nothing worse than customers moaning about queues when there are other ways to transact... One of the purpose of these machines are to reduce the queues at the counter.

Now if people are happy to stand there then they have no voice to complain as there are the alternative ways.

People are very misguided if they think that they are keeping cashiers in jobs.

Tally-Ho_2

I went into my local HSBC to pay some money (cash and cheque) into my HSBC account today. What a performance.

I had to queue at the cash pay in point and again at the cheque pay in point. My cheque for some reason could not be acepted by the cheque machine (possibly because the cheque was larger than the pay in slip?), so after about 6 attempts (with the queue behind me getting longer and longer and even the HSBC chap scratching his head as to why the machine wouldn't accept it, I gave up and went across the road to Lloyds TSB, filled out a Pay in slip and went straight to a (human) cashier (no queue). Cheque deposited in my Lloyds account in seconds.

I sometimes think the older methods are the best.

Tally

Lokolo

Indeed. Just as the cash machine ones won't take cash with marks or highlighter on it. So I then go to the cashier but thats only happened to me a couple of times

KillerAngry

Thanks for the reply ShelfStacker :cool:. I dunno if I can be bothered to go through the hassle lol, but it would be silly not to have a try. The main thing I was worried about was my credit rating, at least I can put my mind at ease!:p. I think im going to fast become addicted to this forum!

Doozergirl

ldavies wrote: »

People are very misguided if they think that they are keeping cashiers in jobs.

What does keep cashiers in a job then? If every customer who pays in at a counter stops and pays into a machine, what happens to the manpower hours that were previously taken up by those customers?

Tabatha_Kitten

Lokolo wrote: »

Indeed. Just as the cash machine ones won't take cash with marks or highlighter on it. So I then go to the cashier but thats only happened to me a couple of times

Oh how awfull ! You actually had to deal with a human !
And to think you were just starting to convince me that machines were the be all and end all ! :rotfl:

ShelfStacker_3

Doozergirl wrote: »

What does keep cashiers in a job then? If every customer who pays in at a counter stops and pays into a machine, what happens to the manpower hours that were previously taken up by those customers?

Some people NEED a cashier. Businesses, large withdrawals, larger deposits... these will keep cashiers in jobs - and if they don't, cashiers can be and are retrained for front-of-branch roles.