co-op bank

pmg19680

Bit of a hijack here but I have to say that the online co-op service is trash. It is so out of date it's untrue. 'available to spend' bit should be accurate. I have been keeping an eye on things as I have read about this on here somewhere but really you should not have to rely on a back up spreadsheet to check your cash everytime you go to spend somet. When you are constantly withdrawing or chip & pinning it to live it is a real nightmare.:mad:
Considering the size (and growing every week) of the co-op, you would think that they would get this sorted out . Rant over!

Lightattheend

pmg19680 wrote: »

Bit of a hijack here but I have to say that the online co-op service is trash. It is so out of date it's untrue. 'available to spend' bit should be accurate. I have been keeping an eye on things as I have read about this on here somewhere but really you should not have to rely on a back up spreadsheet to check your cash everytime you go to spend somet. When you are constantly withdrawing or chip & pinning it to live it is a real nightmare.:mad:
Considering the size (and growing every week) of the co-op, you would think that they would get this sorted out . Rant over!

I know its a pain but last time I telephoned them to ask for a more up to date figure than was shown on-line the gentleman I spoke to did say they would be sorting it out so fingers crossed its not the same fiasco as the switch away from Electron cards!! :rotfl:

Shiny.Side.Up

pmg19680 wrote: »

Bit of a hijack here but I have to say that the online co-op service is trash. It is so out of date it's untrue. 'available to spend' bit should be accurate. I have been keeping an eye on things as I have read about this on here somewhere but really you should not have to rely on a back up spreadsheet to check your cash everytime you go to spend somet. When you are constantly withdrawing or chip & pinning it to live it is a real nightmare.:mad:
Considering the size (and growing every week) of the co-op, you would think that they would get this sorted out . Rant over!

What on EARTH did people do before internet banking, eh? Oh, that's right.. They relied on actually knowing what they spent and possibly.. a back up spreadsheet!

Deary me.

The_Watchman_2

pmg19680 wrote: »

Bit of a hijack here but I have to say that the online co-op service is trash. It is so out of date it's untrue. 'available to spend' bit should be accurate. I have been keeping an eye on things as I have read about this on here somewhere but really you should not have to rely on a back up spreadsheet to check your cash everytime you go to spend somet. When you are constantly withdrawing or chip & pinning it to live it is a real nightmare.:mad:
Considering the size (and growing every week) of the co-op, you would think that they would get this sorted out . Rant over!

I have to agree, and disagree.

My logical half says it is not hard to keep a note book with you (more so if female with a handbag, or male with a handbag if your so inclined, I am not here to judge) and keep a running tally as you spend.

My realistic half says that’s a pain.

But I agree, in this day an age of information technology it is not much to ask that your online statements are ‘real time’.

All the banks I have used before bankruptcy where.

Makes you think if that is why the co-op are so keen to accept bankrupts, as no other customer group would put up with it.

Just a thought?

pmg19680

The_Watchman wrote: »

I have to agree, and disagree.

My logical half says it is not hard to keep a note book with you (more so if female with a handbag, or male with a handbag if your so inclined, I am not here to judge) and keep a running tally as you spend.

My realistic half says that’s a pain.

But I agree, in this day an age of information technology it is not much to ask that your online statements are ‘real time’.

All the banks I have used before bankruptcy where.

Makes you think if that is why the co-op are so keen to accept bankrupts, as no other customer group would put up with it.

Just a thought?

yeah i know what you mean watchman. I am grateful to the co-op. I am a female and yes more often than not have a handbag with me but it's not that easy when life is so busy and there is more than one person using a card. For a start i wouldnt expect my hubby to walk round with a notebook in his pocket just in case he needed to use the account!
An example is that i paid via my card over the phone my council tax on thurs morning (around 7am). It still says today that this money £131 is available to spend :eek: (that is just stupid)
I am hoping that LATE is right and they update it soon

dalip

Well i have to say that i have found co-op spot on. If i deposit at my local PO you can bet your bottom dollar it shows by the time i get home.The only drawback i have had is transfering of money seems to take a few days.Dx

Walter_J

Generally I like the Co-op very much, but this thing with their internet banking not being in real time can be a pain.

I got overdrawn on my cashminder account (supposedy impossible) by transferring £250 to my wife's account out of an available balance of £260. The next day a card payment for £30 I had made a couple of days earlier was debited, tipping me into the red.

If the card payment was in the system why did they let me transfer the £250?

Godiva500

If you want to transfer money of less than £100, phone and they will do it straight away - 2 hour transfer.

Lightattheend

I actually keep a tally of all my income and outgoings - not a book in my bag but a folder. I do this as I budget for all my DDs and SOs going out when I first get paid and then keep updating it as I spend. If I didn't do this I'd run out of money to pay those bills as they don't always come out when I get paid - in fact one, fortunately small, comes out just BEFORE I get paid!! I do regularly check that my books balance with the Co-op and they always do - if they don't its usually my fault! I always keep all my receipts in a safe place in my bag until I get a chance to enter them into the folder then they go into an ice cream tub - empty of course!! :rotfl:

So_Sad_Angel

Gosh Late....how organised are you girl !!

Was trying to work out a method of keeping check of my balance today...thanks I shall take that on board!

Angiexx