MSE News: TSB starts paying out compensation for online banking outage

Ashen

No thanks.

ValiantSon

Mchambers wrote: »

MSE are not wrong. TSB are wrong by not managing an IT upgrade properly and deserved to be punished.

You don't seem to understand opinion.

Oh, and while I'm at it, you need to use the present tense, "deserve", rather than the past perfect, "deserved". You've made that mistake twice now.

aj23_2

Ashen wrote: »

Whereas I agree people are going to milk it - and pretty much shame on MSE for encouraging it for those who aren't affected - in this particular example, nothing should detract from the fact that she is actually perfectly entitled to leave it to the night before, by her usual payment method, and this problem prevented her from doing so. Incidentally, since she couldn't make an online payment on the Friday or the Saturday either, with the expectation that services would be restored on the Sunday, your 'night before' becomes a possible 3 days before.

And the way you put "shows a reliance on credit" and "not paying it back quickly", seemingly as if you're judging her, doesn't quite sit right considering it is absolutely irrelevant.

But you can't escape your own point: it's still leaving it until the night before. Leaving it to the night before to pay it online, when you could have a power cut, or in this instance TSB didn't have their online services back up and running by when they said they would, is irresponsible. She only has herself to blame. Just because you can leave it to the night before, doesn't mean you should. She should have done it before, by whatever method. I pay mine the day the statement comes through the letterbox. I never have to worry about it potentially being late. She did know there would be maintenance occurring, and as I said technology either works or it doesn't, so should have planned accordingly in advance.

Ashen

aj23 wrote: »

But you can't escape your own point: it's still leaving it until the night before.

I'll repeat it: she is absolutely entitled to leave it to the night before (and you've chosen to ignore the fact she couldn't make the payment on Friday or Saturday).

You say it's "irresponsible" to leave it to the night before, but you're justifying that with a terrible analogy of a power cut (for which TSB would bear no responsibility) to an internet banking failure (for which TSB do bear responsibility), thus has no relevance to any possible compensation.

wizzywig27

Mchambers wrote: »

Please remember that TSB will be making a big announcement when it has been fixed and is all up and working. I am not touching online banking until I see this announcement. It will mean more compensation money for me as well.

Wouldn’t surprise me if he doesn’t even have a TSB account and is just here to troll as usual

sheramber

aj23 wrote: »

People are just going to milk this. What did people do before online banking? Go to branch and pay your credit card with cash, card or cheque; post a cheque, or phone them and pay with a card. Simple.

Seriously, there is a life outside of online banking. There are still all the other ways of paying.

Complaining because you can't pay your credit card and get £40? There's no "can't" about it. She could pay it, via post, telephone or branch, but probably left it until the night before it's due so it shows a reliance on credit and not paying it back quickly. And as part of that £40 included £15 to cover interest on the payment due, it shows that she'd left it too late, which is why she was charged interest (not because of the checks, I mean, come one. You only get charged interest for being late).

And no replies about people being too busy to go to branch, make a phone call or writing a cheque in the post please.

No cheque book to send payment by post, telephone banking not answering or a recorded message saying very busy then cutting off, branch also unable to access account to transfer payment or get money out to pay over the counter.

Next suggestion?

mgdavid

sheramber wrote: »

No cheque book to send payment by post, telephone banking not answering or a recorded message saying very busy then cutting off, branch also unable to access account to transfer payment or get money out to pay over the counter.

Next suggestion?

get a cheque book before the next time.

EachPenny

ValiantSon wrote: »

Oh, and while I'm at it, you need to use the present tense, "deserve", rather than the past perfect, "deserved". You've made that mistake twice now.

I disagree. Mchambers opened an account with them some time ago. That was when the punishment was inflicted on them.

HornetSaver

aj23 wrote: »

But that's technology isn't it. If you're going to rely on online banking and deliberately not using other methods which are just as good (and in this case better) then you have accept that something can go wrong even when they say it will be back up and running. This isn't the flicking of a light switch we are talking about here.

I wasn't asking you to accept or dent my comment, or rant as you call it. I could care less. I'm just pointing out fact. Not TSB's fault it made her late for her credit card payment when she'd had nearly a month to pay by multiple payment options, even if it wasn't up and running when they said it would be. Maybe she should be more prompt and savvy.

Prompt? Probably. As for savvy, she's £25 better off than you or I would have been with the same credit card bill to pay.

But getting back to online banking in general, it has become so dominant because the benefits of using it have been sold to people by the banks. In exchange for this convenience, the banks are able to save millions of pounds a year in wages because relatively routine things which previously required going into a branch do not take place as often in branch, therefore fewer staff and/or branches required.

The fact that people have come to depend on online banking, and have come to see it as something they can expect to always be there except for the time periods the banks pre-announce as downtime, is entirely the fault of banks.

Caddyman

It's now so easy to ditch and switch. I'm doing so today. Personally, I couldn't care less about 5 percent interest on 1.5k.

The problem behind this !!!! up is, as was already mentioned in an earlier post by another forum member, they should have had a system in place to revert straight back to the legacy platform the moment it became apparent there were serious problems.

Although I haven't personally been directly affected by any of this IT stupidity, I can't see any point in sticking with the bank to be honest. My contactless debit card works once in about every ten transactions, unlike my other two bank accounts where I've had no problems whatsoever with contactless transactions.

Thanks for the free money TSB when I switched last year, but it's time for me to go.