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Bank of Ireland Chaos

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    #572
    kirk.
    Registered Users Posts: 4,957 ✭✭✭kirk.


    https://www.boards.ie/discussion/comment/120988767#Comment_120988767

    Maybe maybe not, sounds like maybe you're one of them😁

    Looking for hardship funds when your social welfare has been paid as normal may not be straightforward

    Can't imagine cwo being too sympathetic

    Government haven't a lot to gain here bailing out these people there'll be little public sympathy



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    #573
    beastfromtheEast
    Registered Users Posts: 145 ✭✭beastfromtheEast


    https://www.boards.ie/discussion/comment/120987606#Comment_120987606

    I like to be realistic and I don't get offended for others.

    I work with lots of people and a good number of those are black and they are good upstanding folk not being sarcastic like you.

    Plenty of black people working in nursing homes taking care of the basic needs of our ageing population.

    The people that were in those lines are scum.

    I would not invoke somebody's skin colour to try and excuse their actions people are individuals and are responsible for their own actions only.

    Two of the groups you mention I wound not disagree with you to be honest.

    Plenty of regular Joe Soaps of every skin colour working in our economy.

    No regular Joe Soaps in those lines just scroungers but you think if somebody has the right skin colour that's ok?

    The vast majority of the nation regardless of skin colour did not join those lines of scroungers.

    I have no time for any scroungers in those lines or anybody trying to pick and choose to try and push their racism.

    Edit honest customers should not have to pay for this the bank messed up they should take the pain.

    Post edited by beastfromtheEast on


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    #574
    babyducklings1
    Registered Users Posts: 194 ✭✭babyducklings1


    There’s no such thing as free money. What seems extraordinary is the number of people trying to access the atm machines. Is it a sign of how bad things are for people or how self entitled they are. I really don’t know.



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    #575
    Trampas
    Registered Users Posts: 7,543 ✭✭✭Trampas


    https://www.boards.ie/discussion/comment/120988101#Comment_120988101

    They’ve to pay the tax on his full td salary. After that he gets to do what he wants. The hr don’t redirect their salary to their party to avoid taxes. They’re all a bunch of spoofers.



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    #576
    Montage of Feck
    Registered Users Posts: 3,576 ✭✭✭Montage of Feck


    Since when do the government listen to the people, if Peter mcverry and the rest of the them kick up a fuss you can be assured sw payment will not be effected.

    🙈🙉🙊



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    #577
    slay55
    Registered Users Posts: 340 ✭✭slay55


    dole heads will not have to pay a penny back. That’s just how it works in this country



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    #578
    Fr Tod Umptious
    Registered Users Posts: 15,137 ✭✭✭✭Fr Tod Umptious


    I'm late to this whole thing and I never bothered seeking out video online to see the queues for the ATMs etc.

    But I've a question.

    Did this only affect BOI "branded" ATMs or did it affect BOI cards ?

    The reason I ask is that if it was the latter one would hardly expect BOI to be able to shut down ATMs that don't belong to them, as people are suggesting they should have done.



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    #579
    salonfire
    Registered Users Posts: 3,078 ✭✭✭salonfire


    How do the scrotes and the gibsmemoney brigade pay their bills? Surely that would be direct debit from the bank? They would be caught out that way, no?

    Internet, electricity, maybe a phone plan, etc.

    Direct debit is usually a bit cheaper.

    I can't imagine them paying each bill by regularly depositing cash to the post office.



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    #580
    downtheroad
    Registered Users Posts: 2,954 ✭✭✭downtheroad


    https://www.boards.ie/discussion/comment/120988037#Comment_120988037

    I am trying to find the article but am 90% sure I read before that he hires his wife/partner as an advisor and she is paid from his TD salary that "he doesn't take in full". Smoke and mirrors.



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    #581
    hynesie08
    Registered Users Posts: 9,740 ✭✭✭hynesie08


    https://www.boards.ie/discussion/comment/120988970#Comment_120988970

    That's exactly what they do, payzone for the gas and electric, usually pay the TV/internet at the post office.



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    #582
    Necro
    Moderators, Social & Fun Moderators, Sports Moderators Posts: 51,299 Mod ✭✭✭✭Necro


    https://www.boards.ie/discussion/comment/120988784#Comment_120988784

    You're like a broken record at this stage

    Untitled Image




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    #583
    scudzilla
    Registered Users Posts: 11,920 ✭✭✭✭scudzilla


    I transferred 700 to Revolut on Tues night, only reason was that I got paid today and, BoI being the shiit show it is, wasn't expecting them to be back up and running, meaning wasn't expecting pay to go through

    Heading to Wales for a few days with my little one today and didn't want to run short , hence taking 700

    Wake up this morning, been paid and the 700 has just been taken out of my account so all is good.

    Dopey friends of ours though, they withdrew 1500 and spent the lot on the electrical crap, gonna be hilarious watching how that one pans out.

    I've a very low tolerance for stupid, and there's a lot of stupid about



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    #584
    ZookeeperDub
    Registered Users Posts: 1,280 ✭✭✭ZookeeperDub


    https://www.boards.ie/discussion/comment/120989033#Comment_120989033

    You should have a low tolerance for stupid. It's the only way to deal with it.

    I have no sympathy for the clowns that took this money out, for once I fully support BOI and I thought I would never say that in my lifetime



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    #585
    plodder
    Registered Users Posts: 7,198 ✭✭✭plodder


    https://www.boards.ie/discussion/comment/120988968#Comment_120988968

    I'm late to this too. But, I imagine the problem was in the backend systems rather than the ATMs. ATMs don't just decide to hand out cash without an okay from the bank after checking the account itself.

    As a long suffering BOI customer this incident doesn't surprise me. Their technology is woefully backward.

    It is amazing though how some people's understanding of fraud is so lacking. I was surprised at how some questions in the media yesterday seemed to reflect that - like someone asking how is this different from just "finding" cash that someone has left lying around. The law lecturer who was asked answered - no that is exactly the same. It is fraud/theft as well.



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    #586
    redunited
    Registered Users Posts: 407 ✭✭redunited


    I reckon the vast majority of those who think BOI will simply write off the money are the same ones who withdrew money and are living/praying BOI gives them a free payday.


    Not a chance.


    The Bank is like a casino, the house always wins.



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    #587
    plodder
    Registered Users Posts: 7,198 ✭✭✭plodder


    Probably been mentioned already but there was a good interview with Brendan Burgess from "ask about money" yesterday. He compared this with people who in their 30's are looking for a mortgage and get refused, because of a bad credit score over things they did in their 20's like heading off traveling for a couple of years and walking away from an account with an overdraft. Even if there no consequences immediately, it could hit you down the road when you go looking for a loan.



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    #588
    FazyLucker
    Registered Users Posts: 260 ✭✭FazyLucker


    https://www.boards.ie/discussion/comment/120987987#Comment_120987987

    Well, if a quick credit check identifies you owe BOI €1k I think any bank will decline their application.



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    #589
    ZookeeperDub
    Registered Users Posts: 1,280 ✭✭✭ZookeeperDub


    https://www.boards.ie/discussion/comment/120989082#Comment_120989082

    It was the backend system.

    The BOI technology is woeful yet they have spent 3bn on it in the last few years on new project without the cost of normal day to day operations. I would expect that is a lot more than either AIB and especially PTSB have spent. Probably more than any similar sized bank in the World. yet they are still behind the likes of AIB. That's just incompetence. From board down the entire organisation and also from CBOI who seem to be again asleep at the wheel.

    CBOI are supposed to be all over these banks making sure they are fit for purpose. Yet it seems to be a buddy buddy relationship between them like we had before the crash. What else is lurking in these banks that could cripple the country again?



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    #590
    Working class heroes
    Registered Users Posts: 3,544 ✭✭✭Working class heroes


    https://www.boards.ie/discussion/comment/120988235#Comment_120988235

    A bit like the stereotyping going on in this thread.

    Racism is now hiding behind the cloak of Community activism.



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    #591
    FazyLucker
    Registered Users Posts: 260 ✭✭FazyLucker


    Every bank has the same sort of outdated systems, right across the board. Stuff written decades ago in FORTRAN and COBOL as far as I know. It'll cost a lot more to replace these because they are so intrinsic to the systems.



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    #592
    TheWonderLlama
    Registered Users Posts: 594 ✭✭✭TheWonderLlama


    https://www.boards.ie/discussion/comment/120989033#Comment_120989033

    Just out of curiosity, how would you have reacted if you had to go to an ATM to complete that transaction and a guard was there blocking your access and "advising you of your financial responsibilities"?


    Edit:


    sorry, the phrase was "An Garda Síochána remind people of their personal responsibility in carrying out their personal banking."

    I wonder if they should be regulated by the central bank for that function?



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    #593
    FazyLucker
    Registered Users Posts: 260 ✭✭FazyLucker


    There is no way in this world the gubbernment will bail any of these people out.

    If the poor mouth crying starts, the gubbernment will say to engage with their bank. The bank will agree €x a month for the next y years or good luck opening a bank account elsewhere in which case it'll be written off as a bad debt and a credit check will snooker them from opening a bank account anywhere else.

    If somebody would leave the country over a debt of €1k, well don't let the door hit you.....



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    #594
    scudzilla
    Registered Users Posts: 11,920 ✭✭✭✭scudzilla


    https://www.boards.ie/discussion/comment/120989212#Comment_120989212

    I didn't need to go to ATM, just did an online transaction from BoI app to revolut, just a bit of cash as heading away for a few days, plenty of wages going in today to more than cover it, but knowing BoI I wasn't convinced it would all be up and running by today so just covering all possibilities.

    Wouldnt have gone to ATM, But if I had I guess that I'd have told any guard who was there that I'm heading away for a few days first thing in morning and need a few quid, if he turned me away then so be it.



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    #595
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Unfortunately the only ones that stand to benefit from this screwup by bank of Ireland are those that a poor credit rating will have no impact on.

    There are two groups that fall into that category, welfare recipients and pensioners and I didn't see too many pensioners lining up at the ATMs in any of the photos.

    There is nothing stopping those who availed of the screwup directing payments to other accounts making it difficult for BOI to recover the complete funds. The amounts withdrawn probably don't make it cost effective for the bank to chase individuals for the funds through the courts. They will probably let the interest accrue and sell the bad debts at a discount to a third party when amounts are attractive enough.



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    #596
    McFly85
    Registered Users Posts: 3,021 ✭✭✭McFly85


    Easiest thing for the bank is to essentially authorise the overdraft, so the accounts can have funds withdrawn up to -1000.

    Anyone who legitimately thought they had the money should be able to clear it in no time, anyone requiring welfare will still be able to access it, but will have to pay overdraft fees.

    Anyone who took out more than that will have debt collectors after them.



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    #597
    kirk.
    Registered Users Posts: 4,957 ✭✭✭kirk.


    https://www.boards.ie/discussion/comment/120989261#Comment_120989261

    Sounds like a way for the bank not to get their money back



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    #598
    AndyBoBandy
    Moderators, Social & Fun Moderators Posts: 15,113 Mod ✭✭✭✭AndyBoBandy


    https://www.boards.ie/discussion/comment/120989215#Comment_120989215

    If somebody would leave the country over a debt of €1k, well don't let the door hit you.....

    A sham/scobe/scrote in Ireland will be a sham/scobe/scrote in any other country they end up in, and will ultimately burn all their bridges there also... (and besides, almost every/any country they move to would not put up with any of their bullsh1t behaviour whatsoever like we do in Ireland... so they would be given short shrift and sent packing soon enough), so ultimately they will always end up back in Ireland where their sham behaviour is most likely to be rewarded...



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    #599
    thebourke
    Registered Users Posts: 1,311 ✭✭✭thebourke


    https://www.boards.ie/discussion/comment/120989188#Comment_120989188

    I wrote a bit of fortran code for my college course back in 1994



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    #600
    miamee
    Moderators, Social & Fun Moderators, Regional East Moderators, Regional North West Moderators Posts: 12,109 Mod ✭✭✭✭miamee


    https://www.boards.ie/discussion/comment/120988011#Comment_120988011

    Only reading your post I have twigged that this is why one payment has not shown up on my account yet. I don't think Ticketmaster will be too happy if they don't get their money off me! I bought tickets on Monday for something, got the confirmation email but nothing on my bank account yet.



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    #601
    lbunnae
    Registered Users Posts: 1,755 ✭✭✭lbunnae


    https://www.boards.ie/discussion/comment/120988970#Comment_120988970

    Here's a wild concept , people having more than one current account.



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