MSE News: MPs hit out at RBS and Lloyds over ATM access

jackjones01

staircase2 wrote: »

This kind of ignorance really !!!!es me off

Its not that simple to get a basic account - it should be - but it isnt...

I dont remember these boards being so uptight and arsey in the past - whats happened?

Well if you didnt F up your credit file you would be able to get another account. Whos fault it that not mine lol

stclair

staircase2 wrote: »

This kind of ignorance really !!!!es me off

Its not that simple to get a basic account - it should be - but it isnt...

I dont remember these boards being so uptight and arsey in the past - whats happened?

Even RBS have said the same thing on the back of there letter its abit of comical if you ask me lol

chambta

Hank_Marvin wrote: »

Or E: Leave it as it is because thats what the customer wants & needs at this minute in time.
Or F: Leave it to chambta [ Not one single person has left me with their position unresolved.]
He will save you. Nat Wests very own Superman.....

I like to see myself as that, yes. :T

Though for the other half to Natwest.

staircase2

MOre of the same tired rubbish from Opinion4All - And you STILL havent listened to either what I was saying or the other people....

And when I was refering to Trolling I meant the kind of uptight practice of taking every single thing someone says and replying to each point with all the smugness of a 6th Former who's just learnt how to conjugate verbs in French... Noone is asking you to 'correct' their reading of the situation.

Chumbta is doing exactly the same thing too - I dont think either of you have any idea what other people are going thru generally or specifically. Which therefore begs the question: aside from the obvious, why are you sitting on this thread posting/'correcting' everything thats written here?

Noone is asking you to 'correct' them - people are discussing the situation which affects some of them/us greatly. Your arrogant pomposity doesnt help the situation at all.

And Jack - how dare you sit there and try to undermine what Im saying on the basis of what you think you know about my own financial situation. I find you arrogant, insensitive and rude.

This thread is specifically about the problems this action by RBS will cause people who have basic accounts. If all you can do is sneer and make value judgments based on that then you really have no place being here in the first place (that, by definition, is the very Trolling I was talking about....)

How bout we all start LISTENING to what people have to say eh? Revolutionary I know...
This is not the forum for trolling or showing off what a condescending !!!! you are....

staircase2

jackjones01 wrote: »

Well if you didnt F up your credit file you would be able to get another account. Whos fault it that not mine lol

Huh?

Seeing as how you know nothing about my financial situation I suggest you find somewhere else to troll

opinions4u

staircase2 wrote: »

MOre of the same tired rubbish from Opinion4All - And you STILL havent listened to either what I was saying or the other people....

But I have listened to what you and other people have put. And I've posted alternatives.

If I listen and post nothing I help nobody. If I listen and pile in with vented anger about how disgraceful it is and how Fred Goodwin has a big pension and the world is horrible, I help nobody. If I moan about cashiers in branches getting bonuses as big as two weeks pay every year I help nobody.

I provide a list of possible solutions along with further suggestions for managing finances in a way that reduces or removes the need to use an RBS ATM and you're still not happy.

And when I was refering to Trolling I meant the kind of uptight practice of taking every single thing someone says and replying to each point with all the smugness of a 6th Former who's just learnt how to conjugate verbs in French...

My French is awful. When in France I speak in French and the locals crack up laughing. It's a party for them. Then they serve me in perfect English. If I start talking to them in English, they mysteriously appear to have never heard the language before in their lives. Can't say I blame them.

If you raise a number of points, or make a number of statements, don't be surprised if people respond to them on a point by point basis. You raised the subject around how much each LINK transaction costs the bank. I provided you with figures that are fairly close to the truth. If you didn't want to know, why raise the subject?

Anyway, as my responding to each point made really naffs you off I'll carry on doing it.

Noone is asking you to 'correct' their reading of the situation.

It's a public forum. People air their views. You have your views. I have mine. If I choose to respond to yours and itemise a response I'm free to do so. Equally, you're free to try and insult me in return. But you're not very good at it.

Chumbta is doing exactly the same thing too - I dont think either of you have any idea what other people are going thru generally or specifically. Which therefore begs the question: aside from the obvious, why are you sitting on this thread posting/'correcting' everything thats written here?

Because sometimes when a business makes a commercial decision, and the press (including MSE) jump on it, the moral outrage or indignation at what's taking place completely misses the point as to (1) why it's taking place and (2) what can be done to mitigate it. Really, what are people going through? What elements of this can't they do something about? You need to expand on this if you wish to make a rationale point.

(1) It's taking place to save the bank money. No other reason. Businesses cut costs in times of difficulty. Indeed, businesses that cut costs in areas that don't generate profits during boom times are more likely to succeed when the economic climate changes. Some customers will leave, which will save the bank money. Some customers will remain and by only using RBS ATMs they will save the bank money.

(2) There are numerous actions that customers affected by the change can take to mitigate the impact. I won't repeat them, as they've been discussed at length. Feel free to scroll up and re-read them though.

Noone is asking you to 'correct' them - people are discussing the situation which affects some of them/us greatly. Your arrogant pomposity doesnt help the situation at all.

Again, a list of several ways to get round the situation. How does that fail to help the situation? I'm in no position to make RBS reverse their decision. While it's something that makes economic sense I've stated all along that I'm amazed they took the PR and political risk with it. But they have done. So giving people practical solutions surely helps a hell of a lot more than shouting from the rooftops about how awful the big bad bank is.

Moan away by all means. But don't dismiss something that provides a workable solution to the irritation of RBS changing their rules slightly.

I hope my point by point response to the concerns you have helps you get through the day .

huw01

Ive read this thread and I've come to the conclusion that it is actually a good thing and in the long run it will assist those with basic accounts to manage their money better.

I remember the days when the only way you could get cash out of your account was by writing a cheque to cash, going into the branch where the account was held and cashing it. If you went into another branch of the same bank they used to restrict your withdrawal to around fifty pounds as they didn't have computer access then to check your available funds.

Since then ATMs have taken over and cash has become more available to us all. When they first arrived you were restricted to your banks ATM only, then barclays and lloyds teamed up, then link came in and all cash machines are free to use. Whilst being a lot more convenient, it's also cash on demand everywhere.

I personally do think that the restroction to group ATMs for basic account holders will make them think about managing their money better. I know that this view will not be shared by all.

glasgowdan

I guess the key point is that the government owns 83% of this bank and therefore has the right to a say in how the business is ran. RBS made a big mistake and don't deserve much freedom to do as they please.

Would the loss made on ATM payments be recouped by, say, cancelling bonuses until the bank can be bought back?

jen245

staircase2 wrote: »

Huh?

Seeing as how you know nothing about my financial situation I suggest you find somewhere else to troll

Yes, I suggest you do find somewhere else to troll. Instead of hurling insults at other (very helpful) posters, why not actually take the time to read the thread properly and digest some of the perfectly easy solutions to this issue, where it causes difficulty.

If it really causes you so much distress, open their First Reserve/Instant Access savings account, which comes with its own Visa debit card, which can be used in ANY atm, why is that such a difficult solution? It's a lot easier than wasting time and energy on writing to your MP (which, by the way, will not make an ounce of difference)

Coming on here, with an oh woe is me attitude is not going to get you anywhere. There are plenty of other banks out there. Getting a basic account is not difficult, even bankrupts can have them, so unless you have been involved in fraud, there is no reason why you cant open another account elsewhere, seeing as you are so incensed

david78

You can get a savings accounts from Tesco and Sainsburys (and others) that provide card that works on the LINK network. You can move money from your basic bank account to these by making a free-phone telephone call.

I would suggest people get one of these and just move all the money in their budget that they withdraw as cash onto one of those when they get paid. You do need a budget and a bit of planning though.