£100 Ulster Bank NI switch offer - ends 19 November 2020

funkycredit

gsmh said:

funkycredit said:

colsten said:

I am amazed how little apparent interest there seems to be in this offer.

Indeed. It's a painless process and free £100 is still free money. 👏

I think that's the problem. Free money. I'd feel decidedly uncomfortable if I had no intention of using the account as my daily account. Arguing that the banks are immoral, that the T&Cs allow it, that you need the money, that NatWest/RBS is already owned by us, that I'm stupid for having a moral compass, that my moral compass is defective or that morality doesn't come into it just doesn't help. 

You're perfectly entitled to your opinion of course. I totally disagree; but that's the beauty of a democracy - we are entitled to our opinion. I never once said any of the above, you're maybe over-thinking your own decision. Fine by me but I'll keep accepting free money as long as it lasts - after all, in the old days the main banks more than had their fair share from me. Now it's my turn to get something back that I'm in a position to not need them. Lovely  

gsmh

funkycredit said:

after all, in the old days the main banks more than had their fair share from me. Now it's my turn to get something back that I'm in a position to not need them. Lovely  

I think that's the crux of it. If I believe something is wrong, like the banks fleecing me of money years ago, I can't then do the same thing, albeit on a smaller scale. What is wrong is wrong, end of.

RG2015

gsmh said:

funkycredit said:

after all, in the old days the main banks more than had their fair share from me. Now it's my turn to get something back that I'm in a position to not need them. Lovely  

I think that's the crux of it. If I believe something is wrong, like the banks fleecing me of money years ago, I can't then do the same thing, albeit on a smaller scale. What is wrong is wrong, end of.

Are you suggesting that anyone opening this account for the £100 is wrong to do this if they are not going to use the account?

I assume this is not the case, but then what is the purpose of your two posts here?

funkycredit

gsmh said:

funkycredit said:

after all, in the old days the main banks more than had their fair share from me. Now it's my turn to get something back that I'm in a position to not need them. Lovely  

I think that's the crux of it. If I believe something is wrong, like the banks fleecing me of money years ago, I can't then do the same thing, albeit on a smaller scale. What is wrong is wrong, end of.

Different eras, clearly! I was brought up with the belief that it's a dog-eat-dog world so to look after number one first. Therefore, regardless of your beliefs, I'm happy talking free money from the same banks that I've helped to prop-up; as have millions of others. 

Dog eat dog.  

gsmh

RG2015 said:

Are you suggesting that anyone opening this account for the £100 is wrong to do this if they are not going to use the account?
I assume this is not the case, but then what is the purpose of your two posts here?

Don't you think those with different opinions than yours should be allowed to contribute to a thread? Colsten expressed surprise that there was not more interest in the offer. I responded to that post suggesting a possible reason. Why would I need to justify my posts to you? I absolutely believe it is morally wrong to open the account, take the reward and not use it. I absolutely refute the dog-eat-dog paradigm. My point of view is as valid as yours and you have no right to question how I contribute to discussions here. This forum is not 'Free Money', it has a much wider remit.

RG2015

I accept your opinion that you think that it is wrong.

I just wanted to clarify whether you believe that people who switch for the £100 and nothing else are wrong to do this.

gsmh

IanManc said:

Stating on a thread, in terms, that you have a right to post your opinion but telling others they have "no right" to ask questions about them is simply silly.

Hilarious as ever. 'What is the purpose of your two posts here?' made me see red, it was apparent to me my right to post was being questioned. I am rather defensive because my distaste of the pursuit of free money is always roundly attacked by the same few large-scale posters, as are any posts I make about ethical banking. I appear to be in a minority of one and I find that very worrying indeed. 

colsten

gsmh said:

IanManc said:

Stating on a thread, in terms, that you have a right to post your opinion but telling others they have "no right" to ask questions about them is simply silly.

Hilarious as ever. 'What is the purpose of your two posts here?' made me see red, it was apparent to me my right to post was being questioned. I am rather defensive because my distaste of the pursuit of free money is always roundly attacked by the same few large-scale posters, as are any posts I make about ethical banking. I appear to be in a minority of one and I find that very worrying indeed. 

If you are worried that your repeated posts about the immoral behaviour (in your opinion) of other posters don’t get much positive response, perhaps there is a problem with your powers of persuasion. Keep trying.

gsmh

colsten said:

If you are worried that your repeated posts about the immoral behaviour (in your opinion) of other posters don’t get much positive response, perhaps there is a problem with your powers of persuasion. Keep trying.

What about your repeated posts about acquiring free money? Please explain how, on moral grounds, opening an account *just* to acquire the reward or bonus is the right thing to do. I will constantly challenge the accepted ethos of large-scale posters in this forum. Challenging an immoral (IMO) action is not quite the same as calling those who perpetrate it immoral. 

colsten

gsmh said:

colsten said:

If you are worried that your repeated posts about the immoral behaviour (in your opinion) of other posters don’t get much positive response, perhaps there is a problem with your powers of persuasion. Keep trying.

What about your repeated posts about acquiring free money? Please explain how, on moral grounds, opening an account *just* to acquire the reward or bonus is the right thing to do. I will constantly challenge the accepted ethos of large-scale posters in this forum. Challenging an immoral (IMO) action is not quite the same as calling those who perpetrate it immoral. 

I don’t feel obliged to explain anything, nor do you have the right to ask me to do so. If you don’t like what I post, you can just scroll past. Rest assured, though, that I and others, incl. MSE Towers, personal finance pages in newspapers and banks themselves, will keep publicising switch offers.