Burn the Banks? Here's how to get your own back!

emo72

im with the opening poster on this. i closed my business account. got rid of my credit card machine. all my customers use cash now and when i tell them why they are very supportive.

its almost as if the customers want to make a protest against the bank.

i also closed my personal account with BOI and transferred it to another bank.
BOI raised theyre fees before christmas. i have had enough with them. i left.

i tell ya, it may only be a small thing but i felt great about it. dont knock it. and i reckon there is lots of people that feel the same. regardless of what anyone thinks, i have chosen my own actions and i doubt im alone with this.

m5ex9oqjawdg2i

Stained Class wrote: »

Okay, tell me.

You think after putting in the tens of billions of euros that the government and the EU are just going to let them fail? More money will be poured into them if your suggestions are followed and guess who will be footing the bill?

Leave ulster bank and put your money in a foreign bank? Ulster bank happens to be a foreign bank. No bank charges? So many people are leaving BOI because of the fees, which is fair enough, at least they have a valid point. Revenge isn't going to improve your livlihood... It's a silly idea.

Stained Class

emo72 wrote: »

im with the opening poster on this. i closed my business account. got rid of my credit card machine. all my customers use cash now and when i tell them why they are very supportive.

its almost as if the customers want to make a protest against the bank.

i also closed my personal account with BOI and transferred it to another bank.
BOI raised theyre fees before christmas. i have had enough with them. i left.

i tell ya, it may only be a small thing but i felt great about it. dont knock it. and i reckon there is lots of people that feel the same. regardless of what anyone thinks, i have chosen my own actions and i doubt im alone with this.

Go for it!

Us hard working people are tired of being pushed arouned.:mad:

Go 4 it baby!!!!!

Stained Class

Huxley Shapely Self-incrimination wrote: »

You think after putting in the tens of billions of euros that the government and the EU are just going to let them fail? More money will be poured into them if your suggestions are followed and guess who will be footing the bill?

Leave ulster bank and put your money in a foreign bank? Ulster bank happens to be a foreign bank. No bank charges? So many people are leaving BOI because of the fees, which is fair enough, at least they have a valid point. Revenge isn't going to improve your livlihood... It's a silly idea.

Look, we're footing the bill anyway.

Enough is enough I say.


I'm not saying I'm right, but what I will say is that there's an awful lot of angry people out there.:mad:

And you know what?

we're the the types that keep any society going.


Not beardies frm SF or the Greens or any ****yoke bandwandwangon you might care to climb on.:rolleyes:

Senna

Ulster Bank and PTSB are first to move their rates because they are not in the bank guarantee. Every other bank would have their rates as high as them if they could, but the government are telling them to keep rates low in return for capital.

Every SVR will be 5%+ soon, so if your thanking your lucky stars your not with PTSB or UB, your in for a huge shock sooner or later.

emo72

you cant control what banks, or governments, or the man standing next to you does.

make your own choices.even if its in vain, seriously, you will feel better.

DeVore

Did either of these banks get money from the bailout?? I dont think they did (but I'm open to correction...)

If not, why the anger against them? They are entitled to make whatever offering they choose to the market and you are entitled to change your bank.... but I'm not sure where the whole revenge stuff comes in...

DeV.

Stained Class

DeVore wrote: »

Did either of these banks get money from the bailout?? I dont think they did (but I'm open to correction...)

If not, why the anger against them? They are entitled to make whatever offering they choose to the market and you are entitled to change your bank.... but I'm not sure where the whole revenge stuff comes in...

DeV.

Dev. with respect, our knacker banks are going to follow their lead anyway.

Again, a lot of angry (hard working) people out there.:mad:

Oranage2

DeVore wrote: »

Did either of these banks get money from the bailout?? I dont think they did (but I'm open to correction...)

If not, why the anger against them? They are entitled to make whatever offering they choose to the market and you are entitled to change your bank.... but I'm not sure where the whole revenge stuff comes in...

DeV.

Agent DEV

Tell you're New World Order boss to go

Fcuk

Himself!!!

PeakOutput

Stained Class wrote: »

I'm not saying I'm right

excellent, so we are all agreed then? your wrong

emo72

PeakOutput wrote: »

excellent, so we are all agreed then? your wrong

aaahhh... thats just a mean thing to say:(

i dont think hes wrong:)

Potential-Monke

DeVore wrote: »

Did either of these banks get money from the bailout?? I dont think they did (but I'm open to correction...)
.

You are right, they did not get any money. Which is why, imo, they are the best bank in Ireland. Was with BOI for years but changed to PTSB cuz BOI screwed me over. Am very happy with PTSB, never had any problems, and they constantly pay my bills with money i don't have in my account. Granted, i get charged, but BOI never done anything like that for me. I'll stick with them.

Charisma

Brilliant idea. I have copied this to my FB profile. Hope you dont mind. Just spreading it around. Truly if we all got together and did something like this it could make a difference. In general we are fairly powerless to do anything about what has happened to our country but this is doable on a large scale and could have major impact if done by all mortgage holders. We cant continue to let them take take take from us. The money is probably safer in the PO anyway.


o

Stained Class wrote: »

Time to rebel - the latest interest rate hikes from PermanentTSB & Ulster Bank are the straw that broke the camels back. Let's hit them where it hurts - in their profits!

Doesn't matter whether the hikes affect you or not - its the principal here. If we just roll over and let them do it the other banks will feel they can follow their lead.

So - if you have a savings account in Permanent TSB or Ulster Bank - take your money out and put it in the Post Office, the Credit Union, and on-line bank - anywhere but in an Irish Bank!!!

And if you have a credit card - change it to MBNA, Tesco again anywhere except and Irish Bank. And make sure you tell them why you're doing it.

Let them know they've screwed us all for long enough and now we're drawing a line in the sand.

Up the rebellion - pass the word on!

SCREW THE BANKS, WHO ARE SCREWING YOU!:mad:

fontanalis

If interest rates rise won't you lose out on interest in savings? You're right to be mad though; it's not as if interest rates have fluctuated before.

A fuking interest hike OP? The banks are losing tonnes of money on tracker interest rates.. The amount of money people are saving in the country from that alone is huge. How much do you owe them? Cause it would have to be alot to even worry about interest.



And I have to laugh at "move your savings".. Why? They're guaranteed. Irish banks are the best place to have your savings.

johnmcdnl

because then another bank will go burst and FF will somehow manage to give them 1000 billion trillion euro to make sure they don't go bust anyways..

Ruu_Old

Don't you hate pants?!?! :mad:

dotsman

I'm all for this. Let's kick them while they're down. The more we try to destroy the economy, the better! Fcuk Ireland!!!

smk89

Why would I want to get even with the banks? Since the start of this recession my rent, food costs and transport has decreased (except dublin bus). And those smug pricks using property as investment have disappeared.
A bust after a boom is necessary to make spending more realistic.

Jesus Wept

Boone Savory Scenery wrote: »

Bring back the barter system!!!!!!!!!!! :mad:

I thought I recognized you… I gave you a plate of corn muffins so you can paint my chicken coop, and you never did it!

mickydoomsux

Gotta love a thread full of buffoons complaining about a variable rate varying.

As someone else said, the hint is in the name.

Oh wait, i mean HERP DERP DE BANX SUX!!!!!!!!!!!!!

m5ex9oqjawdg2i

Stained Class wrote: »

Look, we're footing the bill anyway.

Enough is enough I say.


I'm not saying I'm right, but what I will say is that there's an awful lot of angry people out there.:mad:

And you know what?

we're the the types that keep any society going.


Not beardies frm SF or the Greens or any ****yoke bandwandwangon you might care to climb on.:rolleyes:

Were footing the bill anyway? So lets just do something stupid so we can pay more taxes? Genious idea... :rolleyes:

Who's climbing on the bandwagon? Were you in touch with Joe by any chance?

"Joe, they're changing the interest on me variable mortgage, Joe, the variable rates should be fixed, how can they get away with changing a variable rate Joe. It's madness..."

Lol. Brilliant. There's something telling me that you don't have a mortgage and are just scaremongering because you're talking through your hoop. If you have a mortgage you should at the very least understand wtf you are doing when borrowing hundreds of thousands of euros.

DeVore wrote: »

Did either of these banks get money from the bailout?? I dont think they did (but I'm open to correction...)

If not, why the anger against them? They are entitled to make whatever offering they choose to the market and you are entitled to change your bank.... but I'm not sure where the whole revenge stuff comes in...

DeV.

Not 100%, I know Ulster bank didn't. It's hurried angsty rubbish from people who haven't the slightest idea of what's going on with the economy.

Stained Class wrote: »

Dev. with respect, our knacker banks are going to follow their lead anyway.

Again, a lot of angry (hard working) people out there.:mad:

This is speculation, you don't know that. It could or it could not happen. I'm going to go with it not happening as banks are losing serious amounts of customers as it is.

Charisma wrote: »

Brilliant idea. I have copied this to my FB profile. Hope you dont mind. Just spreading it around. Truly if we all got together and did something like this it could make a difference. In general we are fairly powerless to do anything about what has happened to our country but this is doable on a large scale and could have major impact if done by all mortgage holders. We cant continue to let them take take take from us. The money is probably safer in the PO anyway.


o

It's far from brilliant. It's an ilthought idea. If we all got together and done something like this it surely would make a difference... You'll end whatever future your kids will have and further reduce your net income. Post offices do mortgages? What's the % rate on a savings account in the post office?

mickydoomsux wrote: »

Gotta love a thread full of buffoons complaining about a variable rate varying.

As someone else said, the hint is in the name.

Oh wait, i mean HERP DERP DE BANX SUX!!!!!!!!!!!!!

Hilarious isn't it? It's a knee jerk reaction really.

The following is actually helpful to those who have mortgages.

If you have a variable mortgage, go to your local bank and seek advice. You may be able to switch to a fixed rate for a few years. If you let your bank know that you will have difficulties in the future paying the new rate they will have to accomodate you by law. When you go into arrears, that's when the problems start. If you go to your bank when you are in arrears there is very little they are obliged to do.

As for your savings... you take some important factors into consideration, depending on the amount you have. Up to 100K I would be putting it into an Irish bank, as they are guaranteed up to 100K, an English bank is guaranteed up to 50K Sterling I think. Not sure about any other bank. I'd next be taking into account is the interest rate on the account, if it's fixed or variable, if I need access or not, if it's risk free or not, etc etc. Some nice risk free, accessable accounts out there with nice interest rates. Noting like the accounts of 2006, 2007 with 7% and 8% interest rates of course.

Don't feel obliged to keep your savings in a bank because you have a mortgage there, or have banked with them a long time. People have the perception that you must be with a bank years in order to get a mortgage, loan, credit card etc etc. While each bank may have their own credit rating on you, it's the Irish Credit Bureau that they go to in order to make the final decision.


Buy hey, don't let logic get in the way of your rants

blaze1

ive been playing fallout for the last 10-15 years, and i've build up a whopper bottle cap collection....

Im for bringing back the barter system (and then using my stealth/pickpocket skill to get the caps back)