>>> You donâ t even need those, just post the cheques ...
Adding at least another 24hrs to when you can actually use your
money.
>>> ... and use ATMs to deposit cash.
>> Not seen an ATM that takes cash here in the UK .. anyone?...
> Yep.
> But they only take a limited amount,
They used to but I've not see one with street access for a while and
even then I'm not sure the deposit ones I have seen were not actually
within branches. I think they only took paper cash as well, no coins.
The night safe is still in the wall of the HSBC branch in town but
don't know if it's still used.
On Sun, 20 May 2012 12:59:43 +0100, tony sayer wrote:
> Surely the time is coming where this by economic necessity will be
> combined into just the one "money office" for all banks and other fiscal
> entities.
Well it would be nice but can you see the banks, building societies
etc agreeing on who is going to pay for a such a service? They don't
trust each other as it is and only begrudgingly allow people to shift
money from one bank to another. Look how long it has taken them to
accept the Faster Payment service and even now that's not universal.
> Course you might what to go and beg for an overdraft increase or
> negotiate a loan but why cannot that go and be done by phone or the
> web?...
Because the teletubbie on the end of the phone has english as a
second language, can only follow the script presented to them and not
make any actual real decisions. The web, by it's nature, is utterly
script bound. Both are just take what is offered, no opportunity for
flexibilty or adjustment.
In a real live face to face meeting with a manager who has the
authority to make decisions is far better IMHO. They can be flexible
and adjust things as required, although still limited in what the
computer will let them do, a good manager can work around those
limitations though.
Dave Liquorice <allsortsnotthis...@howhill.co.uk> wrote
> Huge wrote
>> Tony Sayer wrote
>>> Rod Speed wrote
>>>> You donâ t even need those, just post the cheques ...
> Adding at least another 24hrs to when you can actually use your money.
If you care about that, makes a lot more sense to
have an electronic funds transfer instead of a cheque.
>>>> ... and use ATMs to deposit cash.
>>> Not seen an ATM that takes cash here in the UK .. anyone?...
>> Yep.
>> But they only take a limited amount,
> They used to but I've not see one with street access for a while and
> even then I'm not sure the deposit ones I have seen were not actually
> within branches. I think they only took paper cash as well, no coins.
> The night safe is still in the wall of the HSBC branch in town but
> don't know if it's still used.
tony sayer wrote:
> In article <a1stliFh0...@mid.individual.net>, Rod Speed
> <rod.speed....@gmail.com> scribeth thus
>>tony sayer <t...@bancom.co.uk> wrote
>>>> They shut down my branch without telling me (I just noticed it was
>>>> boarded up one day) but the S/C and A/C didn't change, I wouldn't need
>>>> to change branches if I moved, I do business at whatever branch suits
>>>> me.
>>> Do we still -need- bank branches?.
>>Corse we don’t, I havent used one in 40 years and I only did
>>that then when the fool of an accountant wouldn’t talk to me
>>on the phone about a problem I had had with their ATM.
>>> OK they are making a few jobs for people but around here there are
>>> under used post offices that could be used to pay cash and cheques into.
>>You don’t even need those, just post the
>>cheques and use ATMs to deposit cash.
> Not seen an ATM that takes cash here in the UK .. anyone?...
Midland had lobby based ones in 1995 ish... They were more of night-safe concept (ie cash in envelope with paying in slip) but they did give you a receipt for the envelope based on inserting your card...
On Sun, 20 May 2012 12:08:29 +0100, Andy Burns wrote:
>> Only 2 1/2 years old is not old, thats modern. My normal machine
is
>> over 10 years old, single core 1GHz Athlon.
> A 2 1/2 year old phone isn't *that* old as a phone, but my point was > that compared to a PC it is indeed quite lowly (1GHz ARM processor, > 512MB RAM) so probably lower spec than your 10 year old PC.
I'd say it's more powerful as the ARM processor can perform more
instructions per second for the same clock. But it's not just sheer
processing grunt, it's also browser and javascript implimentations.
Barclays online banking *requires* javascript, you can't even enter
anything into the first login page without javascript enabled. And
when you do have javascript enabled even on a dual core 2.8GHz
machine with recent broswers/javascript there is significant lag
between pressing keys and the page noticing. Then there are all the
fixed sized containers that don't allow for a minimum font size in
the browser being set so the rendering becomes a mess.
HSBC Business or Halifax don't require javascript for you to be able
to use them. They respond quickly, without fuss and render without
any problems.
> I wouldn't need to change branches if I moved, I do business at whatever > branch suits me.
I hadn't moved branches when I was living in Bristol and the branch
was in Birmingham but my parents still lived in Brum at that time.
Both parents are now dead and Birmingham is a long way from the NE of
Cumbria...
<rod.speed....@gmail.com> wrote:
>> There are still a few rare sites which can be conveniently
>> accessed by a text-only browser like lynx and which are laid out
>> in a convenient way for such a browser. With few or no images.
>And some sites just arent viable with few or no images.
geoff <tr...@uk-diy.org> wrote:
> I almost moved it all the other day as they charged me £35 for not having
> the funds in the current account to cover the 23k VAT bill at midnight of
> the day the DD was taken. The money was transferred into the account at
> 09:30 to cover the transaction
> Now, I was under the impression that, as long as the account was in credit
> during the day, there shouldn't be a problem. Someone else told me that,
> as barclays is a clearing bank, the funds had to be in the account by
> 15:00
> Am I right, or are they ?
I think they are. The money you transferred in at the start of the day will
possibly not show up as a cleared credit until the following day, or maybe
even later. So you would have needed to pay it in yesterday or earlier so
it was available for use by today.
It also depends where it came from, and how, eg if it had been paid in by
personal cheque and that cheque might later bounce. The bank's unlikely to
regard it as really adding cleared funds to your account until they've heard
back from the payer's bank that they had the funds to pay the cheque. (Though what's usually known as a "Building Society cheque" is different -
really those bits of paper are negotiable currency in their own right -
guaranteed money - at least provided the Building Society who issued it
don't go belly up before the cheque is presented.)
If on the other hand you transferred the incoming £23k from another account
held at the same bank, where it had been a cleared (ie trusted) balance for
days or weeks, I'd expect it to have arrived as cleared funds in your
current account. I've made 'Faster Payments' electronically that moved
money from account to account and to other banks, within hours. But the
money started off as definitely present so each transaction could properly
move known-to-exist amounts.
-- Jeremy C B Nicoll - my opinions are my own.
Email sent to my from-address will be deleted. Instead, please reply
to newsreply...@wingsandbeaks.org.uk replacing "aaa" by "284".
> current account. I've made 'Faster Payments' electronically that moved
> money from account to account and to other banks, within hours. But the
> money started off as definitely present so each transaction could properly
> move known-to-exist amounts.
I had an RBS->HSBC transfer show up in less than 5 minutes the other day.
-- Tim Watts
> On 2012-05-21, tony sayer <t...@bancom.co.uk> wrote:
> > In article <a1stliFh0...@mid.individual.net>, Rod Speed
> ><rod.speed....@gmail.com> scribeth thus
> >>tony sayer <t...@bancom.co.uk> wrote
> >>>> They shut down my branch without telling me (I just noticed it was
> >>>> boarded up one day) but the S/C and A/C didn't change, I wouldn't need
> >>>> to change branches if I moved, I do business at whatever branch suits me.
> >>> Do we still -need- bank branches?.
> >>Corse we don’t, I havent used one in 40 years and I only did
> >>that then when the fool of an accountant wouldn’t talk to me
> >>on the phone about a problem I had had with their ATM.
> >>> OK they are making a few jobs for people but around here there are
> >>> under used post offices that could be used to pay cash and cheques into.
> >>You don’t even need those, just post the
> >>cheques and use ATMs to deposit cash.
> > Not seen an ATM that takes cash here in the UK .. anyone?...
> Yep.
> But they only take a limited amount, so if you've got to pay in a week's
> takings for a busy shop it would be a PITA.
> Rod Speed <rod.speed....@gmail.com> wrote
>>> There are still a few rare sites which can be conveniently
>>> accessed by a text-only browser like lynx and which are laid out
>>> in a convenient way for such a browser. With few or no images.
>> And some sites just arent viable with few or no images.
> They'd be illegal in the EU, then.
Pigs arse they are with shopping sites where few are prepared to
buy stuff that doesn't have unique names without an image of it
so they can confirm that its basically what they want to buy.
And even when they do have a unique name, hordes don't know
what that name is, so again need an image to confirm its what they want if they have to find it by browsing the category etc.
>> Someone else told me that, as barclays is a clearing bank, the
>> funds had to be in the account by 15:00 Am I right, or are they?
> I think they are. The money you transferred in at the start of the day will
> possibly not show up as a cleared credit until the following day
But when you transfer money between Barclays accounts the web site (or at least the old one did, dunno about the new one) says "That's it, all done, your money is where you want it" OWTTE...
>> I almost moved it all the other day as they charged me £35 for not having
>> the funds in the current account to cover the 23k VAT bill at midnight of
>> the day the DD was taken. The money was transferred into the account at
>> 09:30 to cover the transaction
>> Now, I was under the impression that, as long as the account was in credit
>> during the day, there shouldn't be a problem. Someone else told me that,
>> as barclays is a clearing bank, the funds had to be in the account by
>> 15:00
>> Am I right, or are they ?
>I think they are. The money you transferred in at the start of the day will
>possibly not show up as a cleared credit until the following day,
It was from a deposit account at the same branch. I could see the transferred balance in the current account immediately after the transfer
>or maybe
>even later. So you would have needed to pay it in yesterday or earlier so
>it was available for use by today.
... ...
>If on the other hand you transferred the incoming £23k from another account
>held at the same bank, where it had been a cleared (ie trusted) balance for
>days or weeks, I'd expect it to have arrived as cleared funds in your
>current account.
Exactly so
> I've made 'Faster Payments' electronically that moved
>money from account to account and to other banks, within hours. But the
>money started off as definitely present so each transaction could properly
>move known-to-exist amounts.
In message <nyyfbegfubjuvyypbz.m4ag371.pmin...@srv1.howhill.co.uk>, Dave Liquorice <allsortsnotthis...@howhill.co.uk> writes
>The "all new and improved" Barclays online banking has become a
>script ridden slow and clunky heap of shit. I guess if you have a
>powerfull modern machine with the latest browser it's a nice form
>over function "experience" but I don't want an "experience". I want
>to log in, shift money/get information and log out as quickly as
>possible.
With my old clunker, using XP and Firefox V12, the latest Barclays online banking seizes up when I get to 'My Accounts'. With IE8 and Safari, it is OK. I was told to try Firefox V12 portable, and that DOES work. All are a little slow - but not unduly so.
-- Ian
geoff wrote:
> In message <mpro.m4dj3v004l7fc0...@wingsandbeaks.org.uk.invalid>, Jeremy > Nicoll - news posts <jn.nntp.scrap...@wingsandbeaks.org.uk> writes
>> geoff <tr...@uk-diy.org> wrote:
>>> I almost moved it all the other day as they charged me 35 for not >>> having
>>> the funds in the current account to cover the 23k VAT bill at >>> midnight of
>>> the day the DD was taken. The money was transferred into the account at
>>> 09:30 to cover the transaction
>>> Now, I was under the impression that, as long as the account was in >>> credit
>>> during the day, there shouldn't be a problem. Someone else told me that,
>>> as barclays is a clearing bank, the funds had to be in the account by
>>> 15:00
>>> Am I right, or are they ?
>> I think they are. The money you transferred in at the start of the >> day will
>> possibly not show up as a cleared credit until the following day,
> It was from a deposit account at the same branch. I could see the > transferred balance in the current account immediately after the transfer
My experience of Barclays is that for their internal accounting purposes, debits are deemed to have been made at opening time on the day they're made, no matter when the instructions are actually received by the bank, while credits don't count until closing time, no matter where they come from or when they arrive, while their boast that you can draw against a cheque deposited into your current account on the same day without penalty only applies if the cheque doesn't bounce, in which case, they retrospectively charge you for the bouncing cheque, and any other penalty they can think of.
Last time I bought a house, the transfer from my current account was made a couple of hours later than the electronic credit from the mortgage company "cleared" into that account. They still charged me interest for the full amount for the day it was "missing" from the current account. I only got the penalty charge for exceeding my overdraft limit removed by complaining.
Ian Jackson wrote:
> In message <nyyfbegfubjuvyypbz.m4ag371.pmin...@srv1.howhill.co.uk>, Dave > Liquorice <allsortsnotthis...@howhill.co.uk> writes
>> The "all new and improved" Barclays online banking has become a
>> script ridden slow and clunky heap of shit. I guess if you have a
>> powerfull modern machine with the latest browser it's a nice form
>> over function "experience" but I don't want an "experience". I want
>> to log in, shift money/get information and log out as quickly as
>> possible.
> With my old clunker, using XP and Firefox V12, the latest Barclays > online banking seizes up when I get to 'My Accounts'. With IE8 and > Safari, it is OK. I was told to try Firefox V12 portable, and that DOES > work. All are a little slow - but not unduly so.
My main problem with it is that the logon screens won't fit on a 1280X800 monitor.
In article <a1v1e8Fop...@mid.individual.net>, Huge
<H...@nowhere.much.invalid> scribeth thus
>On 2012-05-21, Tim Watts <tw+use...@dionic.net> wrote:
>> Jeremy Nicoll - news posts wrote:
>>> current account. I've made 'Faster Payments' electronically that moved
>>> money from account to account and to other banks, within hours. But the
>>> money started off as definitely present so each transaction could properly
>>> move known-to-exist amounts.
>> I had an RBS->HSBC transfer show up in less than 5 minutes the other day.
>I've done transfers between different banks that have already happened by the
>time I've switched & refreshed browser windows. Most impressive.
Well so it should .. just one computer talking to another..
Huge <H...@nowhere.much.invalid> writes:
>On 2012-05-21, Dave Liquorice <allsortsnotthis...@howhill.co.uk> wrote:
>> On 21 May 2012 09:07:08 GMT, Huge wrote:
>>>>> You donâ t even need those, just post the cheques ...
>> Adding at least another 24hrs to when you can actually use your
>> money.
>>>>> ... and use ATMs to deposit cash.
>>>> Not seen an ATM that takes cash here in the UK .. anyone?...
>>> Yep.
>>> But they only take a limited amount,
>> They used to but I've not see one with street access for a while and
>Now you come to mention it, I've never seen one that accepts cash and is
>accessible when the branch is closed.
There used to be such a machine in my branch, accessible if you had a
card to open a door after normal hours, but it was removed, and the
employee I discussed the removal with said that he had been amazed at
some of the stuff which used to be shoved into the machine overnight.
Pity that some people are such a useless bunch of .......
-- Windmill, Tilt...@Nonetel.com Use t m i l l
J.R.R. Tolkien:- @ O n e t e l . c o m
All that is gold does not glister / Not all who wander are lost
Well a breeze picked up a bit of sand for a few minutes, not a
sandstorm. In a real sandstorm you'd not be able to see the clouds or
anything more than a few tens of feet away and it would last for
hours if not days, not five minutes.
