People with no bank accounts

[cheesefest]

In this day and age, I can't believe people still don't have a bank account. How can they cope without one? In the first lockdown, majority of essential retail only wanted card payments. My employer, unfortunately did accept cash. Every colleague, including myself wiped the notes with anti bac spray, hopefully giving the hint.

Also not having a bank account is costing these people more money - for example, some companies offer cheaper deals if paying by direct debit. Plus others will refuse custom to those without a bank account.

No wonder elderly people are targets for muggings. Have seen these having £300 in cash in their purses. Then they have to queue up at the post offices to withdraw their pension.

When pensions were first able to be paid into bank accounts, my dad sorted out this for my grandparents. A blessing as my late grandad became too ill to be left alone for no more than an hour. Plus now my grandmother is housebound.

 

[cheesefest]

if more people did that your local bank branch probably wouldn't be closing in the next few years, assuming you even have one

Banks that closed reduced their hours from 9-4 to 3 days a week 10-2. Then complain that nobody used them - closed 6 months later.

 

[cheesefest]

Why unfortunately? Also, you do realise money has been the dirtiest thing ever since it's been around. The only hint you were giving was that you and your colleagues are arses. I'll bet you're one of the ones who wore gloves and continued to touch your face whilst wearing them.

We were advised not to wear gloves at the beginning. Just sanitise hands when handling cash or every so often.

 

[cheesefest]

0.9m have woken up to the fact the pandemic has made them sensible with money.

Customers have said to me that they don’t have a bank account. They moaned about unable to order certain products in certain shops as these items were only available on click n collect! Boots was one of those places

 

[cheesefest]

1.3 million adults don’t have a bank account. How do they cope? Esp when the first lockdown, cash was looked down on or refused by some of the essential retailers.

Also they pay more for energy, telecommunications (some charge a few quid due to this).

Also some hospitals only have card only payment. Though one hospital near me is coins only!

Plus many companies refuse customers without a card.

Though some people who don’t have a card do this as do dodgy things.

I see elderly customers carrying hundreds of pounds in cash in their purses as withdrawn their pension in one go. No wonder they are the target for pickpockets. As combination of money and slow reaction is ideal for pickpockets.

 

[cheesefest]

It's not just the spending element either. Most jobs these days will require a bank account to pay your salary into.

Exactly.

Plus having a bank account saves money. As one example, I have a prescription pre paid certificate, which saves me money. As asthmatics still have to pay (grrr!) the only way to do this is by direct debit! I pay c£125 a year. I have at least 39 prescriptions per year (3 lots of 4 weekly meds) and 2-8 others (oral steroids, antibiotics) and it saves me loads of money