Which banks have these features?

Rob5342

An able over 60 would have no need for a priority service. I'm not trying to exclude anyone, I haven't written to NatWest with a petition trying to get them to change what they offer. All I've done is express a view that it's a bit odd to assume that anyone over 60 would have problems when there are people of all ages who have extra needs. I'll leave it there. 

subjecttocontract

Yes I agree. Over 60's must be over the moon that they can qualify for a free dedicated service whilst the rest of their customers suffer.

I've just tried to close a Nat West account online unsuccessfully. I resorted to writing a letter by hand and hand delivering it yesterday when passing the branch. They have a way to go yet before they achieve a there near 10:10.

Kim_13

confederated said:

Rob5342 said:

An able over 60 would have no need for a priority service. I'm not trying to exclude anyone, I haven't written to NatWest with a petition trying to get them to change what they offer. All I've done is express a view that it's a bit odd to assume that anyone over 60 would have problems when there are people of all ages who have extra needs. I'll leave it there. 

I take it you wouldn't use an over-60's railcard, or a bus pass, or other discount - given you are probably able to afford the full price? It's the same argument - if there's a way of doing something more easily or cheaper, and it's perfectly legal, we will use it. I'll leave it there.

I do think that’s a different matter - they will have a lower income in retirement than they did while working, so expecting them to pay full price could be regarded as unfair. 

The problem with a priority service for over 60s is that it blanket excludes vulnerable people below that age, even though they may be able to display evidence of disability (a PIP award for example.) Anyone vulnerable but below an age cut off would struggle more than anyone else, because there will then be vulnerable people with an approaching non-existent service, the majority successfully managing and the over 60s receiving a priority service. Support for vulnerable people is supposed to aim to equalise experience. If you are under 60 and vulnerable you are the worst off, and if you are over 60 and not vulnerable you are getting the best deal (as you have access to a better service if you choose to use it without having contend with the difficulties that others will have.)

The argument for mass provision is so as to not miss anyone in need, but by definition if you say over 60, then you are going to do just that. It is wrong to pretend that there won’t be people under 60 who need the same help as some over 60s. Sure, there are likely more vulnerable over 60s than vulnerable under 60s, but that doesn’t mean that the latter can just be ignored.

j.p

These helplines were just meant to assist people with COVID-19 self-isolation. They should be gone by now.

If they aren't gone, qualifying age should be increased each year just like the state pension. Over 65 by now.

And by the way, a true "challenger bank" wouldn't have helped lock people down in their homes.  They'd have told them, "It's just COVID-19, don't worry. More a plandemic than a pandemic. You'll be fine. Just go out…"  Proof that there are no true challenger banks.  Only collaborator banks.

Desmond_Hume

That took quite a turn…

Maegi

gt94sss2 said:

confederated said:
I suspect most forum members on here are over 60

I would be very surprised if this was the case.

I really wouldn't 
Boomers have the pennies from those final salary pensions, housing appreciation/MIRAS and now the triple lock.

Eco_Miser

Maegi said:

gt94sss2 said:

confederated said:
I suspect most forum members on here are over 60

I would be very surprised if this was the case.

I really wouldn't 
Boomers have the pennies from those final salary pensions, housing appreciation/MIRAS and now the triple lock.

Some Boomers have the pennies from those final salary pensions, housing appreciation/MIRAS and now the triple lock.

I only got the triple lock.

But regardless of what benefits boomers got, this forum is for people of all ages who want to improve their savings. Definitely includes students and recent graduates, and people saving for retirement but still 10 or more years away.

confederated

Eco_Miser said:

But regardless of what benefits boomers got, this forum is for people of all ages who want to improve their savings. Definitely includes students and recent graduates, and people saving for retirement but still 10 or more years away.

It actually isn't. This forum is about banking and budgeting generally - there is a separate forum for savings. Even a millionaire has to budget, its about balancing incoming and outgoing funds and knowing where money if from and where it is going. 

northwalesd

confederated said:

Eco_Miser said:

But regardless of what benefits boomers got, this forum is for people of all ages who want to improve their savings. Definitely includes students and recent graduates, and people saving for retirement but still 10 or more years away.

It actually isn't. This forum is about banking and budgeting generally - there is a separate forum for savings. Even a millionaire has to budget, its about balancing incoming and outgoing funds and knowing where money if from and where it is going. 

Eco Miser wiill have meant the forum as a whole, not this particular category.

Eco_Miser

confederated said:

Eco_Miser said:

But regardless of what benefits boomers got, this forum is for people of all ages who want to improve their savings. Definitely includes students and recent graduates, and people saving for retirement but still 10 or more years away.

It actually isn't. This forum is about banking and budgeting generally - there is a separate forum for savings. Even a millionaire has to budget, its about balancing incoming and outgoing funds and knowing where money if from and where it is going. 

Actually it is, there's a dirty great banner at the top of every page that says  (Money Saving Expert) and Forum Home and Categories and Forum Rules, not just those concerned with banks and budgets.

Banking and budgeting is a Category, not a Forum.

But if you're sticking to banking and budgeting, that make it even less likely that the forum members on here are over 60, as the younger folk are more likely to be in serious need of budgeting. Yes, millionaires should budget, but the consequences for them of not doing so is likely to be minor, relative to their wealth.