Ownership of bank statement data?

redpola

pjread wrote: »

There's an obvious reason for limiting the number of records retrieved: managing load...

I'm afraid I don't buy this argument either.

This is the first time I've wanted to effect this act in over ten years of Internet banking. I think the statistical likelihood of the deluge you're suggesting is low.

Plus, there are ways of managing the user experience to mitigate its effects. Are you REALLY REALLY sure you want to export your data? It's important to us that you get what you want but we urge you to think twice about this action as it creates lots of traffic for our servers.

I'd also like to say that I logged onto my US bank account and downloaded ten years-worth of statements in two minutes, so this incredibly advanced technology does exist!

Neil.

Pugwash69

I feel your pain. I too once tried to export my transaction data from my Lloyds account in loads of files. Once I'd done a year's worth I was quite bored! Then of course if there's any slight overlap in the date ranges you get duplicate transactions.

I'm also as programmer. I run database servers and worked on huge databases for years. A database query is not a great load on modern hardware.

The problem is, some of your data is probably on an aging VMS cabinet of tapes with a trained monkey spooling them on request, filtered through multiple secure connections with encryption.

Good luck!

pjread

redpola wrote: »

I'm afraid I don't buy this argument either.

This is the first time I've wanted to effect this act in over ten years of Internet banking. I think the statistical likelihood of the deluge you're suggesting is low.

Plus, there are ways of managing the user experience to mitigate its effects. Are you REALLY REALLY sure you want to export your data? It's important to us that you get what you want but we urge you to think twice about this action as it creates lots of traffic for our servers.

I'd also like to say that I logged onto my US bank account and downloaded ten years-worth of statements in two minutes, so this incredibly advanced technology does exist!

Neil.

Fair enough but it would open the doors to a potential DOS/DDOS attack vector. I suspect the "US bank" may have invested more in it's back end infrastructure than LTSB too... Unless things have changed a lot in the 10 years since I worked for {a major UK bank, feel free to guess which}....

realaledrinker

Being just a simple Excel jockey, I find copy/paste off the web page works quite well for me. Once I had built up a couple of year's actual data, I find compiling next year's cash forecast a 30 minute job by using 'last years' data for salary, direct debits, standing orders etc as the basis, then adding in allowance for a weekly visit to the ATM, average spend on credit card at due dates, etc. Unless you put lots and lots on your debit card (difficult to plan for) - I can't see why this wouldn't work for anyone else. I reconcile my bank statement every couple of weeks, update credit card forecast for actuals as soon as known and then only have to make a few adjustments to get it spot on. No suprises and I can see in advance where my next cash flow crisis will occur and plan to do something about it in advance.

404error

what will you do with 10 years worth of statements.

redpola

404error wrote: »

what will you do with 10 years worth of statements.

Fill in my tax returns.

Neil.

Pugwash69

Wow you're behind a bit!