I moved my bank account to an online only bank a few months ago and they're really good. Fast to answer calls etc, the app is great, no issues. Feel sorry for older folk who don't do the internet. I can pay in cash at the post office but these are also disappearing from my area.
High street Bank closures...
- Thread starter DampDog
- Start date
Soldato
Random query.. Natwest cheque? I thought they did it all via bank transfer now
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Soldato
Stafford lost its RBS a few years ago (not sure if RBS is even still around?) It is now the local jobcentre! When Santander took over Alliance & Leicester and Abbey National, both branches were taken over, then after a few years it dropped the Abbey National branch and kept the A&L one. Other than that, Stafford seems to be ok for high street banks.
Last time I had to go into a bank was last year when their outside ATM jammed when I tried to deposit cash. I told them inside how much it was, had a phone call the next day and the amount got credited ok.
Last time I received a cheque was in 2019 when I cancelled with Virgin Media. I was in credit with my bill but instead of using my bank account details that have been the same since 2002 (NTL days), they gave it to me in cheque form. Like, seriously?
Last time I had to go into a bank was last year when their outside ATM jammed when I tried to deposit cash. I told them inside how much it was, had a phone call the next day and the amount got credited ok.
Last time I received a cheque was in 2019 when I cancelled with Virgin Media. I was in credit with my bill but instead of using my bank account details that have been the same since 2002 (NTL days), they gave it to me in cheque form. Like, seriously?
Soldato
I'm sure companies do this intentionally as some people will just keep putting it off then forget.
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Most people bank online and phone when there is a problem. The ones that really mainly need the banks is the generations that can't or don't use online facilities.
What we have done here is cut out these people.
Where banks have closed they should be select days throughout each month where people can go to popup banks to enable them to do the banking they need to do.
This is what happens when everyone goes online, it was bound to happen one day.
What we have done here is cut out these people.
Where banks have closed they should be select days throughout each month where people can go to popup banks to enable them to do the banking they need to do.
This is what happens when everyone goes online, it was bound to happen one day.
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You know why they give you a cheque?
They sit on the money for longer earning more money until it gets put in.
or they hope you lose the cheque and forget about it so they bank the money.
We should have got rid of cheques along time ago but that won't happen because money is still been made not lost.
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Soldato
They sit on the money for longer earning more money until it gets put in.
or they hope you lose the cheque and forget about it so they bank the money.
Thanks for explaining. I see why they do it now, but what utter scumbags lol
The tax office used to be like this as well for PAYE employees. Had to fight tooth and nail back in the early 2000s. Thankfully it's now automated for PAYE and they'll tell you if you have paid too much tax and will transfer it back to your account.
Yes, but a legal one.
There is not a single RBS branch left in Sheffield now used to five, last one shut about 12 months ago only found out it had closed as a local paper was reporting the building was going to be a bar / Restaurant they couldn't even be bothered to let customers know.
can use NatWest but there only two of those left other alternative is PO don't get cheques very often but used the post office once and it took over ten days to hit my account.
can use NatWest but there only two of those left other alternative is PO don't get cheques very often but used the post office once and it took over ten days to hit my account.
What's stopping you from moving? It's pretty easy to move your accounts over now.
Soldato
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Theres a santander branch about 5 miles from here and another 20 and thats it they're tiny but at least they're still open, for now at least I don't use them much but they're handy for the odd cheque not that I get many these days the last one I got was a tax rebate but they spelt my name wrong so I probably couldn't pay it in and was only like £1.50 so not worth the bother of sorting it out. Mum can't use online so a branch is the only way of accessing her account they closed one branch the nearest and easiest to reach and left the other miles up a steep high street which is almost impossible to walk up at her age
Nope, mailed me a paper cheque.
Soldato
We bank with HSBC and local branches closed years ago so we bank online (we are in70's)
Wife had a £19 tax rebate cheque the other week (spent on wine and chips) but we have a local PO that accepts paying money into your bank along with cheques which is handy as it's closer than banks used to be.
Most stuff we do now is she rings and pays by card and I use Paypal.
Wife had a £19 tax rebate cheque the other week (spent on wine and chips) but we have a local PO that accepts paying money into your bank along with cheques which is handy as it's closer than banks used to be.
Most stuff we do now is she rings and pays by card and I use Paypal.
There is that to it. I'm sure clamping down on potential tax dodging is definitely some of what is driving it. Electronic money is where we a heading like it or not. But the market traders have all but vanished from town centers. I'm sure the lions share would be all cash in hand, perhaps not the larger stalls but all the weekend warriors who who supplement their income via a bit of trading. Thing I was really driving at is once the banks, markets and shops disappear, the high streets become derelict and are only visited by the homeless, addicts or dealers. The high streets once thrived, now they are becoming a place to avoid. Internet has obviously had a huge impact on the way people buy stuff, but I'm told it is actually nice to go outside once in a while.
Bizarre how years ago, nowhere near as many folk had bank accounts. The Friday night pay packet was a thing. Yet the banks could find the money to have a bank on every street corner. Now, almost everyone has an account they can't afford it. They don't even pass on the current interest rates rates for months, if ever.
Soldato
I'm not sure if this as been printed before. But events like this will become more common place. All these businesses jumping on card only should be aware of what happens when the Internet connections go down.
www.theoldhamtimes.co.uk
‘Huge relief’ as town centre internet access finally restored after 4 days
Business owners have spoken of their ‘huge relief’ as internet access has been restored, allowing them to take card payments once again.
www.theoldhamtimes.co.uk
Soldato
The should have foresaw this and opted for a machine that also uses the mobile network.