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BOI duplicate transactions
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08-09-2009 10:33am#1
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Did you bother read the RTE.ie news item?
I mean do people read these days :rolleyes:
I think mobpd was talking about "compensation for ineptitude" not "refunding of overdraft charges".
anyway, I can see there are some vehemently supportive BOI supporters here so I won't argue. What I meant by my comment about "the bank going under without bailout" is that the share price was becoming worthless until the government re-injected capital. Tax payers money.
what I meant by my "over bureaucratic company with too much red tape and inter departmental communications issues" is that in my own personal opinion I have experienced difficulty dealing with BOI as they have many departments and managers who are often unaware or unconnected to other departments. This slows down communication as issues are passed from manager to manager and department to department. Thats just my experience. Perhaps dealing with BOI can only be described as a "slick reliable reassuring experience" for the rest of you.
as for the why risk your credit rating on an institution with a proven record for these kind of problems comment, If they put my accout in the red through mistakenly double charging me 1000euro then I am now unable to pay off other financial commitments until the point where the problem is rectified. These commitments are not necessarily overnight DDs or SOs. Perhaps I need cash urgently for personal reasons. It is not there.
anyway, your right stepbar, no point wasting breath explaining anything to me as I am obviously too far in the opposite camp to understand.
I can only hope the ones who complain eventually have the wherewithal to expend that energy on doing something useful instead.0 -
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I think mobpd was talking about "compensation for ineptitude" not "refunding of overdraft charges".
anyway, I can see there are some vehemently supportive BOI supporters here so I won't argue. What I meant by my comment about "the bank going under without bailout" is that the share price was becoming worthless until the government re-injected capital. Tax payers money.
what I meant by my "over bureaucratic company with too much red tape and inter departmental communications issues" is that in my own personal opinion I have experienced difficulty dealing with BOI as they have many departments and managers who are often unaware or unconnected to other departments. This slows down communication as issues are passed from manager to manager and department to department. Thats just my experience. Perhaps dealing with BOI can only be described as a "slick reliable reassuring experience" for the rest of you.
as for the why risk your credit rating on an institution with a proven record for these kind of problems comment, If they put my accout in the red through mistakenly double charging me 1000euro then I am now unable to pay off other financial commitments until the point where the problem is rectified. These commitments are not necessarily overnight DDs or SOs. Perhaps I need cash urgently for personal reasons. It is not there.
anyway, your right stepbar, no point wasting breath explaining anything to me as I am obviously too far in the opposite camp to understand.
I can only hope the ones who complain eventually have the wherewithal to expend that energy on doing something useful instead.
Not a BOI employee myself, but you know what - I feel the need to reply to this.
In the real world, mistakes happen, and technology goes wrong - usually through Human error. Get over it.
For a start, this was all Lazer transactions that were done on a particular day - not peoples accounts being wiped out for weeks on end.
As regards Taxpayers money being used to prop up the banks - do you actually understand the terms of the recapitalisation of the banks, and what the banks have to pay back to the NPRF on this?.
I'd like to hear your opinion on those terms, once you've researched it, and compare it to other acceptable pension returns.0 -
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Think about the logic of that one for a second......
yeah, i thought for a sec... I didn't know the answer, so i asked
It's just that the duplicate transactions put my account into over draft - but now there's no record to show how that happened. I thought it would have to be accounted for, that's all.0 -
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yeah, i thought for a sec... I didn't know the answer, so i asked
It's just that the duplicate transactions put my account into over draft - but now there's no record to show how that happened. I thought it would have to be accounted for, that's all.
No, they're deleted off the system completely. Your account being overdrawn for the short time won't have incurred any fees, or effect any payments out of your account like standing orders or direct debits. See my post above for more info. It's still a horrible shock to look at your account and see all that money going out. 0 -
Not a BOI employee myself, but you know what - I feel the need to reply to this.
In the real world, mistakes happen, and technology goes wrong - usually through Human error. Get over it.
Hey, I'm over it I guess mistakes happen and some people (like yuor good self) are happy enough to live with that. I wouldn't be, and left BOI for similar reasons last year (having been a member there for 15 years)
Highly incompetent, bureaucratic, red tape, poor inter-dept comms, and "mistakes" prevalent. You only hear of the mistakes that affect 100,000+ customers, but they happen all the time.0 -
No, they're deleted off the system completely. Your account being overdrawn for the short time won't have incurred any fees, or effect any payments out of your account like standing orders or direct debits. See my post above for more info. It's still a horrible shock to look at your account and see all that money going out.
In the incident that occurred in Spetember they seemed to think differently:
http://www.bankofireland.com/press_room/latest_releases/2009/General_Content_1000503.html
"most customers will have experienced no adverse impact" - leaving aside the horrendous grammar, this does suggest that a number of customers (up to 59,999) did suffer an adverse impact.0 -
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:D:D 
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