Ulster Bank

dundalkfc10

I see Ulster Bank have failed to pay anyone their wages or pensions today.

This seems to be happening too much.

There only response is investigations underway!

Thank God I'm paid Cash in Hand

gramar

dundalkfc10 wrote: »

I see Ulster Bank have failed to pay anyone their wages or pensions today.

This seems to be happening too much.

There only response is investigations underway!

Thank God I'm paid Cash in Hand

If you're paid cash in hand why do you care?

biko

Source?
Or did you see it standing outside the bank looking in?

GBX

I can vouch ... my wages not in this morning. But no big deal.
I see UB replying to people on Twatter with a generic "looking into it" reply. Some people are losing their sh1t over it! The whole issue not just the reply :pac:

Atlantic Dawn

Cashless society my arse.

GBX

Atlantic Dawn wrote: »

Cashless society my arse.

Technically some of us are cashless this morning

biko

Someone will get kneecapped over this.

Creamy Goodness

email going round in work stating this is the case. apparently people didn't learn their lesson to move banks the last time this happened.

RayCon

What was it last time ... they had outsourced their IT Dept to Easter Island or something ....

.... bleedin amateurs

Fratton Fred

Is this not a SEPA issue? I know I used to get my salary in my bank when I woke up on the morning, now we are paid using SEPA and we seem to get it any time during the morning.

Which it totes annoying, because all of my direct debits go out on payday, so my account shows a massive negative until the money goes in.

howamidifferent

Fratton Fred wrote: »

Is this not a SEPA issue? I know I used to get my salary in my bank when I woke up on the morning, now we are paid using SEPA and we seem to get it any time during the morning.

Which it totes annoying, because all of my direct debits go out on payday, so my account shows a massive negative until the money goes in.

Stop living paycheck to paycheck... :pac:

cml387

We were told this morning that those (not me) banking with Ulster had issues.

Apparently the hamster that lives in their legacy computer system has caught a cold and can't be moved so they can't enter the punch cards.

suicide_circus

Ulster (Bank) says NO!!

Parachutes

Absolutely ridiculous.

Widdershins

I don't blame people for ''losing their ****'', some people have no 'income cushion' for situations like this. I get paid by cheque which I cash at the bank, thank God.

Fratton Fred

howamidifferent wrote: »

Stop living paycheck to paycheck... :pac:

I don't, but I certainly don't have enough in my account to cover the following months mortgage, insurance, gas and electricity, sky, mobile phones, landline school fees.......

namloc1980

Widdershins wrote: »

I don't blame people for ''losing their ****'', some people have no 'income cushion' for situations like this. I get paid by cheque which I cash at the bank, thank God.

Cheques will be gone by end of 2018....you'll need a new method then.

andekwarhola

Fratton Fred wrote: »

Is this not a SEPA issue? I know I used to get my salary in my bank when I woke up on the morning, now we are paid using SEPA and we seem to get it any time during the morning.

Which it totes annoying, because all of my direct debits go out on payday, so my account shows a massive negative until the money goes in.

Does that not mean you get charged referral fees every payday? Should just shift the DD dates by a day?

andekwarhola

howamidifferent wrote: »

Stop living paycheck to paycheck... :pac:

Why would anybody have large surplus sums lying around in their current account on an ongoing basis when it could be in a savings account or some kind of investment?

eeguy

Widdershins wrote: »

I don't blame people for ''losing their ****'', some people have no 'income cushion' for situations like this. I get paid by cheque which I cash at the bank, thank God.

I didn't think they were still around.

Widdershins

namloc1980 wrote: »

Cheques will be gone by end of 2018....you'll need a new method then.

Are you sure? They were saying they'd be gone ages ago...thanks for information anyway

Widdershins

eeguy wrote: »

I didn't think they were still around.

I know some people do everything electronically but some of us are nowhere near that stage. I don't even own a debit card.

Creamy Goodness

Jesus, cheques are still a thing? last time I saw one was 20 years ago.

murpho999

I also didn't get paid this morning. Devastated.

Then again I do bank with permanent TSB and get paid on the last day of the month.

murpho999

Fratton Fred wrote: »

I don't, but I certainly don't have enough in my account to cover the following months mortgage, insurance, gas and electricity, sky, mobile phones, landline school fees.......

Then it's the bank's fault that they didn't get paid and you will not pay any penalty.

eeguy

Widdershins wrote: »

I know some people do everything electronically but some of us are nowhere near that stage. I don't even own a debit card.

Do you queue up every time you need money? How do you buy online?

stimpson

Fratton Fred wrote: »

landline school fees.......

How are the kids getting on in landline school?

murpho999

Widdershins wrote: »

I know some people do everything electronically but some of us are nowhere near that stage. I don't even own a debit card.

Just get one, it will make your life a lot easier.

I don't get way some people just stick to old ways and not embrace easier methods.

Please also don't try to argue that cash and/or cheques are more convenient and secure than debit cards.

Fratton Fred

andekwarhola wrote: »

Does that not mean you get charged referral fees every payday? Should just shift the DD dates by a day?

murpho999 wrote: »

Then it's the bank's fault that they didn't get paid and you will not pay any penalty.

You guys may have missed my point.

Under SEPA, you get paid anytime in the morning. however, direct debits are taken out first thing, so they show on your account as a negative. If they are still in a negative at 1pm, then they bounce, but because your salary goes in before then, they clear.

However, until your salary goes in, you can't take any money out of your account, or use a card, because your balance shows a negative

(Presuming you aren't minted of course).

Fratton Fred

stimpson wrote: »

How are the kids getting on in landline school?

it's totes amazeballs :pac:

Penny Tration

I'm with TSB but my company is with UB so I haven't received my wages either. No biggie for me because I have enough money to do me about two weeks, but it's a pain in the backside

howamidifferent

andekwarhola wrote: »

Why would anybody have large surplus sums lying around in their current account on an ongoing basis when it could be in a savings account or some kind of investment?

I keep money in an instant withdrawal deposit account and move sufficient funds to my current account just in time to meet any obligations. Takes all of 2 minutes the day or so before the direct debit is due to hit.

c68zapdsm5i1ru

GBX wrote: »

I can vouch ... my wages not in this morning. But no big deal.
I see UB replying to people on Twatter with a generic "looking into it" reply. Some people are losing their sh1t over it! The whole issue not just the reply :pac:

Well why wouldn't they? Some people don't have much disposable income and are down to their last tenner the day before pay day. Others have standing orders coming out of their account and need the cash in there to cover it.

Obviously, it's preferable to have some kind of cushion. But not everyone is in the position to do this.

howiya

Penny Tration wrote: »

I'm with TSB but my company is with UB so I haven't received my wages either. No biggie for me because I have enough money to do me about two weeks, but it's a pain in the backside

No biggie but it's a pain in the backside at the same time?

Penny Tration

howiya wrote: »

No biggie but it's a pain in the backside at the same time?

Yes, because I've got direct debits due out so need to get to the bank on my break to lodge cash. No big deal in the grand scheme of things, but still irritating.

Wheety

andekwarhola wrote: »

Why would anybody have large surplus sums lying around in their current account on an ongoing basis when it could be in a savings account or some kind of investment?

I tend to have around €1k in my current account at anyone time. It's around 2 weeks salary and covers situations like this and other expenses, like U2 tickets. I'll let it build back up now. Have other savings too but like the convenience net of having money in current account.

eeguy

Wheety wrote: »

I tend to have around €1k in my current account at anyone time. It's around 2 weeks salary and covers situations like this and other expenses, like U2 tickets. I'll let it build back up now. Have other savings too but like the convenience net of having money in current account.

I try to keep a min of 500 in the account and a few k in the savings account if I'm ever short. It just means I never have to worry about my card not working.

GBX

Brenden Petite Dinosaur wrote: »

Well why wouldn't they? Some people don't have much disposable income and are down to their last tenner the day before pay day. Others have standing orders coming out of their account and need the cash in there to cover it.

Obviously, it's preferable to have some kind of cushion. But not everyone is in the position to do this.

Did I question why they shouldn't lose their sh*t? No :rolleyes: - I agree its bad form from UB. I have standing orders etc too.

den87

Think its sorted now, mine just came through.

s4uv3

den87 wrote: »

Think its sorted now, mine just came through.

I didn't get paid today, really hoping it appears before the end of the day

Widdershins

murpho999 wrote: »

Just get one, it will make your life a lot easier.

I don't get way some people just stick to old ways and not embrace easier methods.

Please also don't try to argue that cash and/or cheques are more convenient and secure than debit cards.

Until the bank messes up and you can't get your wages!

Computer system errors are far from rare. It's very hard to mess up with cash.

It would be useful and I probably will do it eventually but it's not the be all.

Widdershins

eeguy wrote: »

Do you queue up every time you need money? How do you buy online?

No, the banks are often quiet. Some local shops also cash cheques.

Prepay debit card.