Santander closing down more than 100 branches

kaMelo

EssexExile said:

kaMelo said:

Thrugelmir said:

roddydogs said:

No, perhaps just selling a car.

In this day and age. Doesn't explain the need for paying in cash. 

It really does if it's a private sale.  There is no way I'd hand over bank details to any old Joe who turned up to buy a car

Why not, what are they going to do with information that is written on every cheque and most debit cards?
I was watching Bangers & Cash on the tellybox the other day and was amazed to see buyers at the auction handing over wads of notes in payment for cars. I know it's rural Yorkshire and Heartbeat was filmed just up the road but they do have the internet there now. Perhaps wads of notes are just more photogenic.

MrFrugalFever said:

kaMelo said:

Thrugelmir said:

roddydogs said:

No, perhaps just selling a car.

In this day and age. Doesn't explain the need for paying in cash. 

It really does if it's a private sale.  There is no way I'd hand over bank details to any old Joe who turned up to buy a car

So you would prefer to carry around thousands of pounds worth of cash that a buyer has given you, with no real record of exchanging said cash? Sorry, rather give bank details for an account I have set up for buying and selling, we give our bank details - or worse - our entire debit card details to retailers all the time, I don’t see what the issue is?
we should move to a cashless society as soon as circumstances allow.

If you have to ask, my point was nothing to do with what's written on a cheque or using a debit card with retailers, both of which I have no issue with.  My point was "any old Joe" may not be the owner of the account from where they do a bank transfer to pay for the car, potentially resulting in a whole lot of pain to deal with and extending way beyond the actual account to which the payment was made. Given a choice between carrying a wad of cash or receiving a bank transfer from someone I don't know from Adam, I'll choose cash every time.
As to keeping a record, a sales document signed by both parties has worked for decades and as far as I'm aware it still does. It is after all the sales document that proves ownership..

[Deleted User]

MrFrugalFever said:

kaMelo said:

Thrugelmir said:

roddydogs said:

No, perhaps just selling a car.

In this day and age. Doesn't explain the need for paying in cash. 

It really does if it's a private sale.  There is no way I'd hand over bank details to any old Joe who turned up to buy a car

So you would prefer to carry around thousands of pounds worth of cash that a buyer has given you, with no real record of exchanging said cash? Sorry, rather give bank details for an account I have set up for buying and selling, we give our bank details - or worse - our entire debit card details to retailers all the time, I don’t see what the issue is?
we should move to a cashless society as soon as circumstances allow.

Surely you're not that naive?!
Scammers just have a to call up their bank afterwards, say they've been scammed and get the funds reversed.
They've got a free car and you've no funds at best, a CIFAS entry at worst. 

enthusiasticsaver

It is not surprising that more branches are being shut.  I cannot remember the last time I went into a bank and most things can be done online now and I am over 60.  Even my 85 year old mum does online banking and can manage setting up payments etc.  

colsten

Bravo to your mum for not complying with the elderly stereotype! 

[Deleted User]

enthusiasticsaver said:

It is not surprising that more branches are being shut.  I cannot remember the last time I went into a bank and most things can be done online now and I am over 60.  Even my 85 year old mum does online banking and can manage setting up payments etc.  

No, its not surprising. Any private company is going to put profit before service. Thats obvious.

And my 100 year old grandmother can manage to do her knitting whilst riding a unicycle.

roddydogs

Deleted User said:

MrFrugalFever said:

kaMelo said:

Thrugelmir said:

roddydogs said:

No, perhaps just selling a car.

In this day and age. Doesn't explain the need for paying in cash. 

It really does if it's a private sale.  There is no way I'd hand over bank details to any old Joe who turned up to buy a car

So you would prefer to carry around thousands of pounds worth of cash that a buyer has given you, with no real record of exchanging said cash? Sorry, rather give bank details for an account I have set up for buying and selling, we give our bank details - or worse - our entire debit card details to retailers all the time, I don’t see what the issue is?
we should move to a cashless society as soon as circumstances allow.

Surely you're not that naive?!
Scammers just have a to call up their bank afterwards, say they've been scammed and get the funds reversed.
They've got a free car and you've no funds at best, a CIFAS entry at worst. 

Is it really that easy to get money refunded?

roddydogs

Eco_Miser said:

In a personal capacity I only use my branch(es) for the indoor ATMs, but as treasurer of a community organisation that holds a fair two or three times a year (pre-Covid) I need to bank around £1000 cash, much in  coins, each time. I also need to draw float and expenses before each event, which means cashing a cheque. The local post office is now in a convenience store, so queueing up with those wanting to buy fags, lottery tickets, newspapers, milk, etc. as well as those wanting to post parcels, pay bills etc. if that were the only facility.

My post offices have separate queues for goods/PO, Most banks ive been past have queues, out the door with covid rules.

lhsecons

Wobbly_Bob said:

enthusiasticsaver said:

It is not surprising that more branches are being shut.  I cannot remember the last time I went into a bank and most things can be done online now and I am over 60.  Even my 85 year old mum does online banking and can manage setting up payments etc.  

No, its not surprising. Any private company is going to put profit before service. Thats obvious.

And my 100 year old grandmother can manage to do her knitting whilst riding a unicycle.

Is that backwards too or only forwards?

MrFrugalFever

roddydogs said:

Deleted User said:

MrFrugalFever said:

kaMelo said:

Thrugelmir said:

roddydogs said:

No, perhaps just selling a car.

In this day and age. Doesn't explain the need for paying in cash. 

It really does if it's a private sale.  There is no way I'd hand over bank details to any old Joe who turned up to buy a car

So you would prefer to carry around thousands of pounds worth of cash that a buyer has given you, with no real record of exchanging said cash? Sorry, rather give bank details for an account I have set up for buying and selling, we give our bank details - or worse - our entire debit card details to retailers all the time, I don’t see what the issue is?
we should move to a cashless society as soon as circumstances allow.

Surely you're not that naive?!
Scammers just have a to call up their bank afterwards, say they've been scammed and get the funds reversed.
They've got a free car and you've no funds at best, a CIFAS entry at worst. 

Is it really that easy to get money refunded?

Not without a full investigation, of which can be backed up by the ‘sale agreement letter’ or whatever document someone sees fit to create when privately selling. Not to mention the DVLA change of ownership audit trail.

od244051

roddydogs said:

Eco_Miser said:

In a personal capacity I only use my branch(es) for the indoor ATMs, but as treasurer of a community organisation that holds a fair two or three times a year (pre-Covid) I need to bank around £1000 cash, much in  coins, each time. I also need to draw float and expenses before each event, which means cashing a cheque. The local post office is now in a convenience store, so queueing up with those wanting to buy fags, lottery tickets, newspapers, milk, etc. as well as those wanting to post parcels, pay bills etc. if that were the only facility.

My post offices have separate queues for goods/PO, Most banks ive been past have queues, out the door with covid rules.

The Santander branch nearest to me, which is escaping the closure - only allows just ONE customer in at a time! It's ludicrous as there can be three or four more inside with SD. One at the cashier desk, one queuing inside. One at the internal ATMs and one queuing. I've not had a proper look inside the branch as there's two internal ATMs next to each other. Unsure if they have barrier between them, like the ones at self scans at supermarkets/essential retailers. If that's the case, the branch could have 6 people in instead of 1. The branch is long and narrow with the counters at the back, ATMs at the front and booths for appts with advisors in the middle.