Why do banks hate the working class??

Ruu_Old · 27-04-2006 01:38PM

Yep banks close doors at 4 and sometimes 5pm(not sure what day) and rightly so, why should they remain open any longer, they do work into the evening behind closed doors. They work hard dealing with ignorant customers all day, most of the time. Get your parents or family member to do it. As someone else said it has NOTHING to do with the "working class".:rolleyes:

Oriel · 27-04-2006 01:45PM

Sarky, don't forget the general lack of understanding of basic overdraft facilities, and the difference between black and red.

joe_chicken · 27-04-2006 04:26PM

Ruu wrote:

Yep banks close doors at 4 and sometimes 5pm(not sure what day) and rightly so, why should they remain open any longer, they do work into the evening behind closed doors. They work hard dealing with ignorant customers all day, most of the time. Get your parents or family member to do it. As someone else said it has NOTHING to do with the "working class".:rolleyes:

O.. boo hooo... get some more staff then

The bank is there for a reason!

Why doesnt it let busy people who want to use the bank, use it!

What purpose does it play otherwise, we might as well fire all the bank staff and automate the whole thing then (sarcasm)

The excuse of "Get your mom to do it!" or "Use a post box" are beside the point, the OP (although badly phrased) made the point that he is too busy (even if that is just with school) to use the bank during the hours that suit him and most people.

Ruu_Old · 27-04-2006 04:31PM

Heh the banks are cutting staff , not hiring

meh i dont care anyway im rich and the bank loves me.

nlgbbbblth · 27-04-2006 04:45PM

A pretty lame thread.

Unless you've worked in a bank, you've no idea of what work needs to be done prior to opening and after closing.

A simple way to resolve the problem would be to put the cheque in an envelope along with a) a lodgment slip or b) a piece of paper stating your account number requesting the cheque be lodged to your account. Then bring this envelop to a branch of the bank where your account is and put it through the letterbox. Letterboxes are open 24 hours. Alternatively you could ask somebody else to lodge it for you.

Nightsafe facilities are usually only made available to people who genuinely need them. They get a nightsafe wallet, a key and pay an annual fee for the service. They are popular with cash businesses such as public houses, restaurants, shops etc. There was a scam in England where a man would stand outside the bank (when it was closed) and anytime someone approached the nightsafe would say 'Excuse me Sir, the nightsafe is broken. Please leave your lodgment with me and I will ensure it is processed without delay'.

joe_chicken · 27-04-2006 04:53PM

nlgbbbblth wrote:

A pretty lame thread.

Unless you've worked in a bank, you've no idea of what work needs to be done prior to opening and after closing.

Again, back to my previous point, Boo Hoo...

This is a lame excuse, they could just hire night staff to do that for them.

I'm not asking for them to be open ALL the time, it's just it seems they pick the time thats most convenient to THEM and not to US, the customers

nlgbbbblth · 27-04-2006 04:58PM

joe_chicken wrote:

Again, back to my previous point, Boo Hoo...

This is a lame excuse, they could just hire night staff to do that for them.

I'm not asking for them to be open ALL the time, it's just it seems they pick the time thats most convenient to THEM and not to US, the customers

Any extra hours would have to be
1) voluntary
2) agreed with the union - the Irish Bank Officials Association

In the absence of the banks hiring additional staff the above is unlikely to happen.

WhiteWashMan · 27-04-2006 05:03PM

Lambsbread wrote:

What bank is that?

lloyds tsb

joe_chicken · 27-04-2006 05:04PM

nlgbbbblth wrote:

Any extra hours would have to be
1) voluntary
2) agreed with the union - the Irish Bank Officials Association

In the absence of the banks hiring additional staff the above is unlikely to happen.

You're again missing my point!

I don't care about the internal workings of a Bank, I shouldnt have to, I'm a customer.

r3nu4l · 27-04-2006 05:11PM

I have worked in a bank and know how much work is done after hours but that's not really the point.

Banks don't seem to understand that they belong to the financial "service" industry. They are there to provide a service to the customer.

Any service industry should operate to it's customers demands and needs. What if restaurants decided to close at 4 most days and 5 on a Thursday? How stupid would that be? The difference is that once the bank has your salary and direct debits in their accounts they are making money so it doesn't matter to them whether you can lodge you cheque or not.

As for banks not hiring extra staff, look at the profit they make. Again, they are ignoring the customer wishes and instead bowing to the shareholder.

Sleepy · 27-04-2006 05:24PM

The banks won't bother opening extra hours unless one of them breaks step and opens outside of the traditional 9 to 4. It'd cost them far more money than they'd make from it, and let's remember, they're a business, why would they do things that would lose them money?

I worked in BOI for a while and to be honest, the banks hate cheques. They're expensive to process and very little is made from them. Why do you think they pushed Laser so hard when they launched it?

Red Alert · 27-04-2006 05:30PM

If my local Superquinn can have a full service nearly all day Saturday and Sunday then I fail to see why the banks cannot - they deserve no special allowances from the public.

BuffyBot · 27-04-2006 05:35PM

O.. boo hooo... get some more staff then

And I bet you're quite willing to pay increased bank charges to cover the added overheads...

nlgbbbblth · 27-04-2006 05:50PM

joe_chicken wrote:

I don't care about the internal workings of a Bank, I shouldnt have to, I'm a customer.

Typical irrational customerspeak

These are the reasons why X is unlikely to happen

I don't care. It's not my problem. I want it to happen regardless.

I think you'll find if you cannot get to the bank during opening hours then it is, in fact, your problem.

btw - anyone got an idea of the 'opening hours' for solicitors, accountants and architects? I'd genuinely like to know and if they're not much better than the bank, then why haven't they come under fire?

btw #2 - banks will facilitate people calling outside normal working hours if they are coming in to discuss a loan, mortgage, savings product, whatever - anything that doesn't involve an actual transaction on the counter.

Patricide · 27-04-2006 07:03PM

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

dermot_sheehan · 27-04-2006 07:41PM

Patricide wrote:

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

Then endorse over cheque to someone else (provided it's not crossed with account payee only), basically sign the back and write "pay to X" where X is the name of the person with the bank account. Have that person lodge it and give you the cash.

You think that's bad, I have to wait several weeks for a cheque in U.S. dollars from the U.S. treasury to clear. I know forgein cheques take while, but it's issued by the U.S. government, it's as good as U.S. cash!!!

4Xcut · 27-04-2006 08:01PM

1)People go to the bank at lunch
2)They have to close at four o'clock to close up/sort out stuff that can't be done till customers leave
3)Does the origional poster attend that remote a school that he can't go to the bank during lunch
4)Is there no-one who you can get to get it cashed for you(mother/father/etc.)

maxheadroom · 27-04-2006 08:10PM

TheGooner wrote:

if your with AIB go to your local Post Office with your ATM card and lodge your cheque.

My local post office won't lodge cheques into AIB accounts, only cash.

Huggles · 27-04-2006 08:20PM

maxheadroom wrote:

My local post office won't lodge cheques into AIB accounts, only cash.

Odd mine does, probably cause the post master knows every single person in the suburb though!

Calina · 27-04-2006 08:25PM

Patricide wrote:

Unfortunatly i cant get someone to lodge it into my bank account as i dont have one, Thats the first thing im gonna do when summer comes, not that ill use it much just so that someone i know would be able to lodge cheques for me which i coould then take out through the atm.

A word on the title, I said the banks hate the working class, a misleading title i know, i meant that they hate the people who work the mornal working hours of 9 - 5 days.Seriously how do they get away with it, they are a service industry, SERVICE!!!!!!!!!

In the name of all that's holy why did you accept a cheque if you didn't have a bank account? It's the last thing I would have done if I didn't have a bank account.

You're losing the rag because you can't cash a cheque. In my opinion it is a wholesale overreaction based on your own actions. Me, I've had a bank account since I was three months old, and while I could quibble about various aspects of banking in Ireland, I can tell you that I have the need to go into a bank branch on average once every year at the absolute most. The last time I was in an AIB it was to fill out a form regarding foreign exchange overcharging. Everything else I have managed to do via the post, via internet banking and via the phone. There is a bank official available 24 hours a day on the phone.

The irony is you are whinging about the bank's lack of customer service and you are not even a bank customer. Your problem stems directly from your not being a bank customer.

Huggles · 27-04-2006 08:28PM

Calina wrote:

The irony is you are whinging about the bank's lack of customer service and you are not even a bank customer. Your problem stems directly from your not being a bank customer.

Brilliant!

Hermione* · 27-04-2006 08:35PM

Calina wrote:

The irony is you are whinging about the bank's lack of customer service and you are not even a bank customer. Your problem stems directly from your not being a bank customer.

LMAO!

To the OP, couldn't you have opened a current a/c when you were on your Easter holidays a few weeks ago? My sister and I opened our current accounts when we hadn't even sat the Junior Cert, even though we already had deposit accounts. Banks have special accounts for teenagers with no fees, and it only takes about ten working days to get everything sorted.

nlgbbbblth · 27-04-2006 09:10PM

gabhain7 wrote:

Then endorse over cheque to someone else (provided it's not crossed with account payee only), basically sign the back and write "pay to X" where X is the name of the person with the bank account. Have that person lodge it and give you the cash.

There are four types of cheque crossing

1) Two lines like so: / /
2) & Co.
3) Account payee only
4) Not negotiable

Cheques crossed 1), 2) or 3) can be endorsed over to a third party in the manner you suggest.

4) cannot - and can only be negotiated by the payee.

Under the Cheques Act, 1959 the Bank has full protection if cheques are endorsed over to a third party in the case of 1), 2) and 3) above.

They don't in the case of 4).

0utshined · 27-04-2006 09:28PM

Just The One wrote:

but you seem to have plenty of time to post threads about it

Yes he does seem to. At 04:43 in the morning. When the banks are closed. Hence the thread.

Patricide · 28-04-2006 12:07AM

Ive been sick as **** over easter, chronic tiredness so ive been basicly bed ridden for around 22 hours of the day on most ocasions, As for me going to a remote school, i wouldnt call it remote but still theres no wa i could get down to it at lunch. As for me complaining about bank customer service and me not being a customer, that should highlight the fact that theres somthing wrong i mean im a potential customer and mabey if it were not for stuff like this i would have a bank account a lot sooner, the problem with the gay opening times is what has prevented me from being a customer in the first place.

dermot_sheehan · 28-04-2006 12:25AM

nlgbbbblth wrote:

There are four types of cheque crossing

1) Two lines like so: / /
2) & Co.
3) Account payee only
4) Not negotiable

Cheques crossed 1), 2) or 3) can be endorsed over to a third party in the manner you suggest.

4) cannot - and can only be negotiated by the payee.

Under the Cheques Act, 1959 the Bank has full protection if cheques are endorsed over to a third party in the case of 1), 2) and 3) above.

They don't in the case of 4).

My bad, I knew crossed lines meant it couldn't be paid over the bank counter, I forgot which exact term they used to remove it's third party negotiablity.

Guy:Incognito · 28-04-2006 12:30AM

eoin_s wrote:

so you couldn't really expect that on a daily basis.

Why not? Others do it.

sinecurea wrote:

Have you ever heard of the post? It still works too as far as I know.

S.

A lot of people would disagree.

Dermington · 28-04-2006 12:31AM

Patricide wrote:

any advice to get around this truely retard banking system?

I'm assuming "working class" is meant to mean "people who have something to do between 10 and 4"....

Also how is a retard banking system? there are so many ways you can lodge money. Just because your obviously ignorant of any of these methods (as painfully obvious as they are) does not mean the system is a "retard banking system".

well its good to see a bank's advertising campaign has an effect...

I work half 8 to half 4 and i cant get to the bank before they close unless i get off work for half an hour during the day...so you know what I do? I use the other options in such a way that i never have to go to the bank.

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Red Alert wrote:

If my local Superquinn can have a full service nearly all day Saturday and Sunday then I fail to see why the banks cannot - they deserve no special allowances from the public.

I understand your point entirely...however there is a method to their madness...

Firstly banks operate as a business and as such they obey business hours to accomodate their biggest customers (business's lodging money etc etc). Joe Soap taking out a tenner is not an important customer.

Secondly, and perhaps not as obviously, all banks hold sizeable interest in other banks and as such they need to be operating while the stockmarket and the worlds economy is when they can make the most money and maintain their interests and so they have no need to be working at full capacity out of office hours.

StupidLikeAFox · 28-04-2006 02:05AM

Take an afternoon off school? Handy excuse, you might get in a *little* trouble but it'd be worth the 120 squids to me

simu · 28-04-2006 02:09AM

Pull a sickie tbh.

Why do banks hate the working class??

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