Regular Saver Thread **New and Restarted**

polymaff

xylophone wrote: »

I think it's just a matter of managing demand - only those within easy reach of a store will be able to open the account in the first place and only the motivated will accept the requirement for an appointment!

Try squaring that with:

Disability Discrimination Act 1995 s.19 and s.21

19 Discrimination in relation to goods, facilities and services.

(1)It is unlawful for a provider of services to discriminate against a disabled person—

(a)in refusing to provide, or deliberately not providing, to the disabled person any service which he provides, or is prepared to provide, to members of the public;

(b)in failing to comply with any duty imposed on him by section 21 in circumstances in which the effect of that failure is to make it impossible or unreasonably difficult for the disabled person to make use of any such service;

(c)in the standard of service which he provides to the disabled person or the manner in which he provides it to him; or

(d)in the terms on which he provides a service to the disabled person.


21 Duty of providers of services to make adjustments.

(1)Where a provider of services has a practice, policy or procedure which makes it impossible or unreasonably difficult for disabled persons to make use of a service which he provides, or is prepared to provide, to other members of the public, it is his duty to take such steps as it is reasonable, in all the circumstances of the case, for him to have to take in order to change that practice, policy or procedure so that it no longer has that effect.


Shame on Virgin, when the remedy is obvious. All products to be offered on-line.

veryintrigued

Any chance someone can either create a specific thread for this Virgin offering or at least add subtitles to their posts?

Cheera

xylophone

(

a)in refusing to provide, or deliberately not providing, to the disabled person any service which he provides, or is prepared to provide, to members of the public;

But they aren't discriminating against the disabled!

The stores are disability enabled for wheelchair users/ the deaf etc and if a disabled person is so disabled that he cannot manage his own affairs, then an Attorney could go to the branch and open an account for him.

I suppose you could say that they are discriminating against anybody who either can't or won't go to a store/ is unwilling to go through the appointments process.

The appointment spiel is a bit of a bore, especially when you've been through it on umpteen previous occasions.

However, the rate is good (for these low interest times) and if you can find the time for the appointment, it's a good offering, particularly as you can open one of each issue.

polymaff

xylophone wrote: »

But they aren't discriminating against the disabled!

The stores are disability enabled for wheelchair users/ the deaf etc and if a disabled person is so disabled that they cannot manage their own affairs, then an Attorney could go to the branch and open an account for him.

No. This is far more than the issue of accessability of a store. Following your logic, Blue Badges and reserved parking should be discontinued. After all, the disabled could always pay someone to do their shopping for them.

xylophone wrote: »

I suppose you could say that they are discriminating against anybody who either can't or won't go to a store/ is unwilling to go through the appointments process.

You might, but the key difference wiith regard to the disabled is that, right now, there is legislation with respect to the disabled which Virgin Money are choosing to ignore.



And the remedy is so, so simple.

xylophone

Following your logic, Blue Badges and reserved parking should be discontinued. After all, the disabled could always pay someone to do their shopping for them.

This has absolutely nothing to to with the offer of a savings account!


The Local Authority controls parking - anybody may park provided that they follow the rules!

Those with concessions follow the rules applicable to them!


Banks and building societies have rules.

Some accounts are only available to existing members.

Some accounts are only available to those living in a certain post code.

Virgin offers some accounts on a branch basis only and that is that.

Frogletina

Section106 wrote: »

The quickest way to get money into a new account at a cashless branch is to do an in-store transfer from one Virgin account to another.

Fortunately this time there was a maturing Issue 10 account, so I took £250 out of that to fund the new Issue 17. Of course I've I lost 2p interest taking the money out before the day of maturity, but I thought it was worth it to ensure I got a cleared payment made in May. (Thank you to solartom and schiff for the tip)

Alternatively, keep one of the older matured accounts open and top it up with £250 a day or two before opening the next new account. So long as the funds have cleared into the old account it is then possible to do a branch transfer straight into the new one.

It never occured to me to do that. I had a maturing virgin 10 too which I could have closed early too.

I went into the branch yesterday to close the 10, and asked what date the first payment was showing on the regular 17. They said it was not yet showing on the account and to ring them on Monday to clarify. My standing order was for Saturday, but due to the weekend has been amended to Monday - I think it will be too late to cancel now anyway so I will leave it and if it ends up as a double payment for June then it will get refunded

frogletina

Emily_Joy

polymaff wrote: »

Shame on Virgin, when the remedy is obvious. All products to be offered on-line.

It sounds like turning up at a restaurant out of hours and blaming them for being closed as they would service more customers should they choose to stay open all day. The truth is that they have found the right work/quality/customer satisfaction balance and just keep it this way.

polymaff

Gosh, what an attitude toward disability - all four of you.

Ken68

Virgin Money branches will allow you to open a Regular Saver with a zero balance. Fund it later.

soulsaver

polymaff wrote: »

Gosh, what an attitude toward disability - all four of you.

What an attitude to a regular saver thread...

You want to preach on disability access, start your own thread.