Nice people thread part 4 - sugar and spice and all things

lostinrates

PasturesNew wrote: »

Savings still completely baffle me. I couldn't coordinate accounts/moving stuff... I struggle to actually open accounts to be honest. That's why the money's in dire accounts... but 'safe'.

PN I can't cope with it atm either. I love the IDEA of stoozing too. I got quite brave a while back with my currency moving, but it was just one thing, M's process is lots of things...suppose I forget or get to sick or.....

not for me!

lostinrates

HAMISH_MCTAVISH wrote: »

For some reason, the weather this year is getting on my nerves.

I have just come in soaked to the very skin of me. My boots full of water, my hair plastered to my head, even my armpits had water dribbling into them off my shoulders.

Its wonderful feeling not to be worrying about it....MY hay is already in and worth more for this weather. Not that I'm selling it, but its money we don't have to spend this year.

Hope it dries up and we have another dry winter though!

The birds are annoyed I got them in early though.

purch

Well done to Mark Cavendish on his 19th stage win. Lance Armstrong won 22 in his career and Cav probably has another 3-4 tours in him as a top sprinter.

The record is Eddie Merckx with about 35 wins. I don't think that will ever be beaten.

It's all rather predictable this year...

Flat stage.........10 riders fall off, Contador loses time for no apparant reason, everybody follows HTC and tries to mug Cavendish at the end, and fail.

Mountain Stage....everybody watches Contador, the Schlecks try to hatch a plan and then bottle it, Cadel just follows the wheel in front, and someone else nips off the front and wins the stage.........until stage 18 when Contador and Sanchez will hatch a plan and follow it through, and then Alp d'Huez when Alberto will ride away from the rest.

Timetrial....Cancellara wins, Contador does just enough and wins tour by 12 seconds from Cadel.

purch

even my armpits had water dribbling into them off my shoulders.

Was it the armpit hair that was plastered to your head :eek:

PasturesNew

Generali wrote: »

What do you struggle with? Is it something to do with your specialness and the process?

Yes. The process is confusing, then at the end they often randomly hit you with "now wait for a letter", or "now take XYZ to a branch for verification" - and it never happens. The letter might arrive in 2-3 weeks' time but I am no longer "in the zone" for accounts and it gets put in the pile of other unopened letters. Verification often means a confusing array of paperwork I struggle to possess, followed by a 40 mile round trip. So if I can't open an account online, it gets "stuck" and never completes.

Then, for the accounts I do have, I struggle to log on. I have so many numbers/passwords/proofs to type in that I often mess one up, or am unsure what they want... I think Barclays are the worst - I've never managed to log onto theirs once. I think if you don't log on every 2-3 months they change your password and you have to get a new one sent .... which ends up in the pile of unopened letters

lostinrates

purch wrote: »

Was it the armpit hair that was plastered to your head :eek:

no, but my head hair got tangled up with my arms and arm pits when I was peeling wet clothes of me at the door. long hair gets in the way a lot.

Generali

PasturesNew wrote: »

Yes. The process is confusing, then at the end they often randomly hit you with "now wait for a letter", or "now take XYZ to a branch for verification" - and it never happens. The letter might arrive in 2-3 weeks' time but I am no longer "in the zone" for accounts and it gets put in the pile of other unopened letters. Verification often means a confusing array of paperwork I struggle to possess, followed by a 40 mile round trip. So if I can't open an account online, it gets "stuck" and never completes.

Then, for the accounts I do have, I struggle to log on. I have so many numbers/passwords/proofs to type in that I often mess one up, or am unsure what they want... I think Barclays are the worst - I've never managed to log onto theirs once. I think if you don't log on every 2-3 months they change your password and you have to get a new one sent .... which ends up in the pile of unopened letters

When I've opened an account in a branch I've always done it in one go by taking a drivers licence+passport+utility bill+bank statement in.

Ultimately, what they are trying to do is get you to prove that you are who you say you are. It's a process known as 'know your customer' or KYC.

Generali

lostinrates wrote: »

I have just come in soaked to the very skin of me. My boots full of water, my hair plastered to my head, even my armpits had water dribbling into them off my shoulders.

I somehow misread this as saying that water was dribbling from your armpits to your shoulders. A brief but definite !!!!!! moment followed.

I think I'll try going back to sleep.

purch

What is annoying is that they try to pretend that you can actually do these things online from the comfort of your armchair, when in actual fact doing it online just makes the process harder, more confusing and worst of all much much longer to complete.

PasturesNew

Generali wrote: »

When I've opened an account in a branch I've always done it in one go by taking a drivers licence+passport+utility bill+bank statement in.

Ultimately, what they are trying to do is get you to prove that you are who you say you are. It's a process known as 'know your customer' or KYC.

I open them online as the banks with the best rates aren't real places anywhere near me

No branches.

But the process never tells you what the process is, they simply hit you with all these random requests at the end. Same thing for that NSI thing - I tried/failed ... and now no idea what the status on that is.

If you knew up front what the whole process was you could make choices.... but they hit you with the "now all you need to do is ..." !!!!!! after you've filled in all the forms etc.

I'd be able to manage if I had my own home/fixed address, where everything I did wasn't questioned/queried/monitored.