HSBC rant - Unbelievable!

hjd

Barclays in Woking have a machine where you can just put in all your (unsorted) cash and it will credit it direct to your Barclays account. No commission. Is available on Sats as well (unless it is full and needs emptying). Sorry a bit far away for OP.

fiendishly

lynzpower wrote: »

because I get more than I spend!!

Say I start the week with a quid.

Monday, I get a can of coke, leaving me 25p.

what does 25p get you then? not a lot, so I then take another quid out the next day.

Ill buy another can of coke, so theres another 25p change.

I have 50p now, still not enough for anything that I would want to buy. so I have 50p in change, again not enough for a can of coke, so I draw out another pound. say if I buy something else, like an OJ, then I would only have 6p left over. So I have 56p now, again, too small an amount for anything I want to buy. If I want to buy say a newspaper a cereal bar and OJ thats like 1.75 so then again, more money needs to be brought out. and more shrapnel generated.

It very difficult to stick to a daily budget when you dont have spendable change to use IYSWIM

Buy a large pack of supermarkets own cola and take one with you every day.
We are Moneysavers after all

Toomuchdebt

rbrian wrote: »

So give the cashier £5.06, get a nice round £1 coin in change.

Or, you could give them £5, get a 50p, and a 20p, and two 10p, and two 2p coins in your change. Your choice, but I know what I'd do.

If she had £3.24 made up as follows-3 pound coins, a 20p piece and a 2pence piece and 2 x 1p piece, she wouldn't have been able to give them £5.06 and would have HAD to give a £5 note, and therefore accumulate change.

I try and spend mine as much as possible, but I also find that I accumulate more than I spend.And it's all very well saying use the coins to pay but some shops make it very awkward to do that-not the shops themselves but the customers in the queue...more than once I have had comments about how I'm taking too long paying with change.

ShinyThings5

My experience of banks has been their usually open 5 days a week and if you're lucky some banks are open saturdays-for example lloyds tsb. What annoys me is that they close for an hour during lunch so the staff can take their lunch all at once. This seems a little old fashioned, i thought everywhere stayed open over the lunch hour for those in work to come and do their banking when they are free- this being lunch time in most instances. Its most inconvenient for 9-5ers.
With reagrds to the small change issue i am surprised HSBC does not take your change and convert it for you. Loylds has done this for my mum in the past. As a rule i think all banks should offer this service for its customers.

BallandChain

Toomuchdebt wrote: »

If she had £3.24 made up as follows-3 pound coins, a 20p piece and a 2pence piece and 2 x 1p piece, she wouldn't have been able to give them £5.06 and would have HAD to give a £5 note, and therefore accumulate change.

I try and spend mine as much as possible, but I also find that I accumulate more than I spend.And it's all very well saying use the coins to pay but some shops make it very awkward to do that-not the shops themselves but the customers in the queue...more than once I have had comments about how I'm taking too long paying with change.

I don't usually get comments but if I have had them I'm unaware as I blank people out, especially when I'm busy trying to count out the change!

Well done, I noticed in your signature that you were £33,000 in debt and you've paid it all off in a short amount of time! Can I ask how you achieved this so quickly? Sorry, just being nosey and think you really must have been disciplined.

jhxmt

Toomuchdebt wrote: »

If she had £3.24 made up as follows-3 pound coins, a 20p piece and a 2pence piece and 2 x 1p piece, she wouldn't have been able to give them £5.06 and would have HAD to give a £5 note, and therefore accumulate change.

Ah, but in that case she could hand over the fiver and all her change (for a total of £8.24) and, with a cost of £4.06, she would have received £4.18 in change. In all likelihood this would have consisted of 4 x £1, 1 x 10p, 1x 5p, 1 x 2p and 1 x 1p, a total of eight coins...only one more than previously!

Sorry, had to join in! :rotfl: It's a moot point, I know, because we've no idea what the precise makeup of the change was, and it's all very easy pointing out strategic maths solutions on here but when you're at the head of a supermarket queue it's not easy at all!

webbo100

I agree with an earlier post that men seem to bigger hoarders of shrapnel than women. I know I am as I gave up years ago forever taking out loads of shrapnel to wear holes in my pocket. I will normally leave anything smaller than 50p at home. The times i have had 60p or 70p in my pocket but need to pay 90p only have a tenner in notes and the change iis all pound coins. Don't need to buy anything more that day so a lot of it gets hoarded at home.

I think the solution is for me to pay my kids pocket money each week in 1p and 2p coins:rotfl: :rotfl: :rotfl:

BallandChain

I used to hand over notes and I'd get "Have you anything smaller?" So now I give the right amount lol!

carolinosourus

MarkyMarkD wrote: »

If we're talking about saving money here, why are you (carolinosourus) making impulse purchases on the way to work anyway?

Lol cheeky!

The job I'm doing at the moment means that I'm responsible for getting the milk for the office every morning so I stop at Waitrose on my way to work to get said milk (of course I get this back on my expenses as a cheque- relatively easy to pay in as long as your bank is open!) which costs about 76p. Counting this out in small change would annoy me, the people in the long long queue behind me and the shop assistant! So I'm destined to have loads of small change for ever...

So they're not impulse purchases! So there

gt94sss2

wolseley wrote: »

Also, is there any way to know which branches have these deposit machines which can take coinage?

As a result of this thread I sent HSBC a secure message asking if there was any chance of them improving their 'branch locator' facility to include this sort of information and received a response stating that:

'..have forwarded your suggestion onto our Internet Helpdesk/Internet Development Team for consideration in future updates'

It might help if other HSBC customers, did the same - either as a secure message from within Internet Banking or via this form.

Regards
Sunil