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BOI having ATM network issues. Don't be left stuck this evening. - Mod note post #1

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Comments

  • #662
    [Deleted User]
    Posts: 23,497 ✭✭✭✭ [Deleted User]


    My BOI internet banking was working yesterday, I noticed they hadn't taken my mortgage payment. System is down this morning, has their recent problem prevented them taking payments from folks' accounts does anyone know ?


  • #663
    suitseir
    Registered Users, Registered Users 2 Posts: 887 ✭✭✭suitseir


    tbh wrote: »
    No, it's not.

    If the bank lose "your" money, you still have your deposits with no loss.
    If the banks make profit by loaning out "your" money, you don't get a share of the profits.

    If you're going to be patronising, make damn sure you're right.

    Correct and right! And that's comes from someone who KNOWS!


  • #664
    K-9
    Registered Users, Registered Users 2 Posts: 43,313 ✭✭✭✭K-9


    tbh wrote: »
    CiaranC is dead right, it's you that doesn't understand the basics. The people who were helping themselves to cash are about as worried as you would be if I told you i wasn't going to supply you with any more caviare till you paid for the stuff I delivered to your house by accident.
    This is the same as the many threads in AH saying "I ran up medical/hire car/rent bills abroad, and now I'm home, can they do anything?"

    the answer is always the same. Morally it's wrong, but in reality they can't touch you. This is exactly the same.


    They know it's wrong
    they know the consequences
    the consequences to them are inconsequential. Get it now?

    Exactly. Normal, decent, law abiding people wouldn't bother because they know they'll have to pay it back.

    The chancers who have nothing and never will have anything see it as a free lunch and will do anything to avoid being caught.

    Hmmmmmmmmmmmmm, are we talking about the bankers and the tax payer here! (barring the nothing part!)

    Mad Men's Don Draper : What you call love was invented by guys like me, to sell nylons.



  • #665
    Cuddlesworth
    Registered Users, Registered Users 2 Posts: 14,007 ✭✭✭✭Cuddlesworth


    KerranJast wrote: »
    You obviously been fortunate enough not to have had to deal with debt collectors. Two burly lads "bumping into you" when you collect your Dole will would soon have you clearing your dues if you were the person described in your post.

    I think you are confusing dept collector with Loan shark. And Loan sharks are prevalent in the poor areas because they would never get a line of credit anyway.


  • #666
    marco_polo
    Moderators, Science, Health & Environment Moderators Posts: 10,093 Mod ✭✭✭✭marco_polo


    dav3 wrote: »
    How are they going to recoup the money from people who reported their cards stolen, who got someone they know to get the money out with their card and who had their faces covered?

    Somebody trying that one would need to have a plausible explaination for how their pin number was obtained and would still be liable for any withdrawls before their cards was reported 'stolen' this morning as reality dawned. It is all there in the T&C for any card and pin combination.

    The only exception is when the person is the obvious victim of a cloning scam.


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  • #667
    KerranJast
    Registered Users, Registered Users 2 Posts: 1,828 ✭✭✭KerranJast


    tbh wrote: »
    No, it's not.

    If the bank lose "your" money, you still have your deposits with no loss.
    If the banks make profit by loaning out "your" money, you don't get a share of the profits.

    If you're going to be patronising, make damn sure you're right.
    Shhhhh. Shut uuuuuup. You're ruining my right wing illusion. :D


  • #668
    Stuart mulvaney
    Registered Users, Registered Users 2 Posts: 39 ✭Stuart mulvaney


    at the end of the day, the banks will send letters , and if then the next step would be to pass on to debt collection agency, then if you ignore debt agency you get a Civil Summons to court


  • #669
    iPlop
    Closed Accounts Posts: 2,822 ✭✭✭iPlop


    Stuart mulvaney wrote: »
    at the end of the day, the banks will send letters , and if then the next step would be to pass on to debt collection agency, then if you ignore debt agency you get a Civil Summons to court

    I think they'll have a hard time getting it out of people that have nothing ,you can't give back what you haven't got


  • #670
    Stuart mulvaney
    Registered Users, Registered Users 2 Posts: 39 ✭Stuart mulvaney


    I agree they proby wont get much, it takes time to go to court,


  • #671
    ei.sdraob
    Closed Accounts Posts: 9,364 ✭✭✭ei.sdraob


    The branch was jammed this morning with old people

    looks like beginnings of a bank run?


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  • #672
    Stuart mulvaney
    Registered Users, Registered Users 2 Posts: 39 ✭Stuart mulvaney


    i could imagine


  • #673
    3DataModem
    Registered Users, Registered Users 2 Posts: 4,177 ✭✭✭3DataModem


    dav3 wrote: »
    How are they going to recoup the money from people who reported their cards stolen, who got someone they know to get the money out with their card and who had their faces covered?

    Er... the same way they'd do it if the ATMs were working.

    "Please explain how the thief got your PIN?"


  • #674
    dav3
    Registered Users, Registered Users 2 Posts: 1,671 ✭✭✭dav3


    marco_polo wrote: »
    Somebody trying that one would need to have a plausible explaination for how their pin number was obtained and would still be liable for any withdrawls before their cards was reported 'stolen' this morning as reality dawned. It is all there in the T&C for any card and pin combination.

    The only exception is when the person is the obvious victim of a cloning scam.

    Which is all well and good. What about the people who genuinely had their card stolen yesterday. Someone takes their last €20 out, someone watches you putting your pin number in (there was plenty of people around the atms last night), later that evening you find out that you've been pick pocketed, report the card stolen, but unfortunately it's too late. The money is already gone and the person who took the money out had their faces covered.

    Are you still liable?


  • #675
    Micky Dolenz
    Registered Users, Registered Users 2 Posts: 44,079 ✭✭✭✭Micky Dolenz


    dav3 wrote: »
    Which is all well and good. What about the people who genuinely had their card stolen yesterday. Someone takes their last €20 out, someone watches you putting your pin number in (there was plenty of people around the atms last night), later that evening you find out that you've been pick pocketed, report the card stolen, but unfortunately it's too late. The money is already gone and the person who took the money out had their faces covered.

    Are you still liable?


    Save yourself a load of hassle and just give the cash back.


  • #676
    Stuart mulvaney
    Registered Users, Registered Users 2 Posts: 39 ✭Stuart mulvaney


    Card stolen !! yeah i know what the bank manager would say!!


  • #677
    Discostuy
    Closed Accounts Posts: 303 ✭✭Discostuy


    I think for a lot of these cases, BOI will simply sell the debt onto debt collection agencies. BOI would lose out on some of the money, but it would be out of their hands then.

    It would then be the debt agencies working to claim back their money. Which they generally would persue a lot harsher than the bank.


  • #678
    RonMexico
    Closed Accounts Posts: 2,916 ✭✭✭RonMexico


    I swear yer honor dat's not me on de CCTV footage - first he stoled me card and den me face like ya know.


  • #679
    ibarelycare
    Registered Users, Registered Users 2 Posts: 58,456 ✭✭✭✭ibarelycare


    Gah idiots on 2fm now. The presenter is telling callers they shouldn't be charged interest because it's the bank's fault :rolleyes: And everyone's calling them "ATM machines" :mad:


  • #680
    K-9
    Registered Users, Registered Users 2 Posts: 43,313 ✭✭✭✭K-9


    ei.sdraob wrote: »
    The branch was jammed this morning with old people

    looks like beginnings of a bank run?

    Yeah, purple monkey dishwasher.

    It's sad because there'll be a lot of innocent old dears panicking today over misinformation.

    Fire, fire, Fire, Fire, FIRE

    Mad Men's Don Draper : What you call love was invented by guys like me, to sell nylons.



  • #681
    BrianD
    Closed Accounts Posts: 7,221 ✭✭✭BrianD


    Has this kind of event ever happened elsewhere in the world?

    I'm guessing that ATM's that are disconnected from the network is probably a regular thing. Nobody probably notices a single machine that says "Balance unavailable" is probably off the network.

    My guess is that none of the banks want this to happen to them and BoI will take a lead and pursue everybody for the cash. Remember how the banks used to take it in turns in doing unpopular things? One bank introduces the "yellow pack" workers and takes the flak and then the rest take then follow and do the same thing ...


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  • #682
    marco_polo
    Moderators, Science, Health & Environment Moderators Posts: 10,093 Mod ✭✭✭✭marco_polo


    BrianD wrote: »
    Has this kind of event ever happened elsewhere in the world?

    I'm guessing that ATM's that are disconnected from the network is probably a regular thing. Nobody probably notices a single machine that says "Balance unavailable" is probably off the network.

    My guess is that none of the banks want this to happen to them and BoI will take a lead and pursue everybody for the cash. Remember how the banks used to take it in turns in doing unpopular things? One bank introduces the "yellow pack" workers and takes the flak and then the rest take then follow and do the same thing ...

    Not completely unheard of, but rare enough.

    http://www.computerweekly.com/Articles/2010/01/08/239884/HSBC-mainframe-outage-causes-major-HSBC-network-crash.htm


  • #683
    punchdrunk
    Registered Users, Registered Users 2 Posts: 3,355 ✭✭✭punchdrunk


    just got a BOI issued cheque in the post this morning,and my account is with BOI

    should I just dig a hole in the Garden and bury the f$%king thing?


  • #684
    ei.sdraob
    Closed Accounts Posts: 9,364 ✭✭✭ei.sdraob


    K-9 wrote: »
    Yeah, purple monkey dishwasher.

    It's sad because there'll be a lot of innocent old dears panicking today over misinformation.

    Fire, fire, Fire, Fire, FIRE

    Thats what i was told by friend who went in this morning, don't shoot the messenger

    I've known for long time BOI are incompetent, they tried to sell me shares/hedge fund thingie in August '08, I told them I am not interested

    a month later "BAM" shares and hedge funds lost their underpants

    They kept trying to push loans to me well into this year, each time I refused their stinky credit


  • #685
    Mister men
    Closed Accounts Posts: 2,487 ✭✭✭Mister men


    Stuart mulvaney wrote: »
    Card stolen !! yeah i know what the bank manager would say!!
    What would he say?


  • #686
    IvyTheTerrible
    Closed Accounts Posts: 14,949 ✭✭✭✭IvyTheTerrible


    ciagr297 wrote: »
    AIB are doing the same thing to me - offers to increase my overdraft, increase my credit card limit. i had a row with them over automatically increasing my limits, which i won:D

    I understood that it's against the law for the bank to increase your credit card limit without you asking for it in writing?


  • #687
    ciagr297
    Registered Users, Registered Users 2 Posts: 428 ✭✭ciagr297


    IvyTheTerrible wrote: »
    I understood that it's against the law for the bank to increase your credit card limit without you asking for it in writing?
    it is now, but they tried at the start of the year....and alot last year


  • #688
    IvyTheTerrible
    Closed Accounts Posts: 14,949 ✭✭✭✭IvyTheTerrible


    ciagr297 wrote: »
    it is now, but they tried at the start of the year....and alot last year

    But was it not against the law last year? Get on to the regulator!


  • #689
    K-9
    Registered Users, Registered Users 2 Posts: 43,313 ✭✭✭✭K-9


    ei.sdraob wrote: »
    Thats what i was told by friend who went in this morning, don't shoot the messenger

    I've known for long time BOI are incompetent, they tried to sell me shares/hedge fund thingie in August '08, I told them I am not interested

    a month later "BAM" shares and hedge funds lost their underpants

    They kept trying to push loans to me well into this year, each time I refused their stinky credit

    LOL I wasn't having a go, just this is the type of scare mongering and paranoia that starts runs.

    Mad Men's Don Draper : What you call love was invented by guys like me, to sell nylons.



  • #690
    punchdrunk
    Registered Users, Registered Users 2 Posts: 3,355 ✭✭✭punchdrunk


    Mister men wrote: »
    What would he say?

    show me the Gardaí report you filed stating it was stolen before the money was withdrawn


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  • #691
    ei.sdraob
    Closed Accounts Posts: 9,364 ✭✭✭ei.sdraob


    K-9 wrote: »
    LOL I wasn't having a go, just this is the type of scare mongering and paranoia that starts runs.
    paranoia? No! Lack of trust and confidence, ingridients that all banks need in order to work, the Irish banks and govt demolished my trust,
    If enough people loose their confidence we get a bank run,already dozens of billions left these banks. a bank being borked for a day doesn't inspire


This discussion has been closed.
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