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After 6 Years I Got My Investment Back from Bank of Ireland

2

Comments

  • #32
    vicwatson
    Registered Users, Registered Users 2 Posts: 28,417 ✭✭✭✭vicwatson


    Deleted User wrote: »
    it was ganurenteed so i didnt lose anything i just got what i put in im just saying after 6 years notting was made

    and she was really smug and not very nice saying shes sorry the look on her face was she didnt really care


    Hey OP lucky you didn't come on here looking sympathy anyways :rolleyes:


  • #33
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Guy:Incognito wrote: »
    I've had prize bonds stretching back to when I was a kid (I'm 31 and they were given as presents) and picked up a few more along the way. My 2 kids have gotten some as presents too. Never won a penny on any of them.:(

    I have at least 10 grand worth. I like them as well for the reason, it is a bit of a hassle to cash them. You have to get a form fill it in and get a registered mail and post it to Kerry. Then they credit your bank account.

    So it makes you think twice about stupid spending.


  • #34
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,227 ✭✭✭✭Guy:Incognito


    Colmustard wrote: »
    I have at least 10 grand worth..

    Ah right. I dont.:(


  • #35
    Chuck Stone
    Closed Accounts Posts: 13,029 ✭✭✭✭Chuck Stone


    Tulips. I've heard tulips are going to be the next big thing.


  • #36
    Wacker The Attacker
    Closed Accounts Posts: 7,473 ✭✭✭Wacker The Attacker


    Deleted User wrote: »
    i came away furious 6 years it was away not one penny was made :mad::mad::mad:
    and i have another one next year and probally get notting

    recession
    recession
    recession

    she had a smug look on her face telling me it hard for her also (as if) :mad:

    only thing i sad it her was look im leaving before i say something i regret

    ( in my mind i was knocking her around the giddy bitch )

    i swear ive never been treated so badly in all my life i just feel so down my only dream was to own my home

    Banks I fcuking Swear

    Rant Over

    Terms and conditions apply.

    Past performance is no guarantee of future returns.

    Sorry


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  • #37
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,227 ✭✭✭✭Guy:Incognito


    Frozen Orange juice. Get all your money on it.


  • #38
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Seriously get your money on grain futures.


  • #39
    Wacker The Attacker
    Closed Accounts Posts: 7,473 ✭✭✭Wacker The Attacker


    Colmustard wrote: »
    Seriously get your money on grain futures.


    With Silver.

    Gold if you can afford it.


  • #40
    V_Moth
    Registered Users, Registered Users 2 Posts: 1,421 ✭✭✭V_Moth


    Colmustard wrote: »
    Seriously get your money on grain futures.

    "I know this horse, he's a dead cert..."


  • #41
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    V_Moth wrote: »
    "I know this horse, he's a dead cert..."

    It really is a dead cert, there is a draught right across america which is the bread basket of the world.


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  • #42
    dmc17
    Registered Users, Registered Users 2, Paid Member Posts: 3,889 ✭✭✭dmc17


    Maybe you should invest it all in pumpkins. They tend to go up in price through October and usually peak in January which is when you should cash in. Then you can go back to the bank and laugh at that bitch that gave you your money back.


  • #43
    Chuck Stone
    Closed Accounts Posts: 13,029 ✭✭✭✭Chuck Stone


    Colmustard wrote: »
    Seriously get your money on grain futures.

    Mustard...

    grains?...


  • #44
    mitosis
    Registered Users, Registered Users 2 Posts: 1,996 ✭✭✭mitosis


    Pork bellies, baby.

    OP, you had an escape, be thankful. I don't know why you expect a bank employee to be contrite for what the markets do.


  • #45
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,227 ✭✭✭✭Guy:Incognito


    Colmustard wrote: »
    It really is a dead cert, there is a draught right across america which is the bread basket of the world.

    A bit of a breeze is hardly going to make a difference.


  • #46
    cson
    Registered Users, Registered Users 2 Posts: 14,666 ✭✭✭✭cson


    Tbh **** going into the banks and using one of their standard investment products. If you've a decent wedge of cash and have neither the time nor wherewithal to actually research the market for something that'd suit you, go and talk to someone with the letters CFA after their name. You'll generally get sound advice off them.


  • #47
    Wompa1
    Registered Users, Registered Users 2 Posts: 8,361 ✭✭✭Wompa1


    I love the attitude of "Oh so you had money to put towards investing"

    Like anybody knows how he/she got the money? It was probably earned if he/she was relying on the pay off to buy a house it stands to reason they aren't a high roller and worked for their money. Yet if you're fiscally responsible in the country and not a complete jackoff that threw their money away and then lost their job and is now penniless, you are somehow expected to be thankful and gracious.

    You're right to be pissed off OP. Them's the breaks though. Was it an investment account that was being invested in Blue Chips or not? I know they were talking a big game about those.


  • #48
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Did you see those new fandangled Hula hoops or rubix cubes.

    OP why don't you just treat your returned principle as a windfall. Go on a weekend break or something.


  • #49
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Guy:Incognito wrote: »
    A bit of a breeze is hardly going to make a difference.

    Yes it will that is how they pollinate.
    HE He got out of looking stupid with that typo.


  • #50
    Pottler
    Closed Accounts Posts: 5,073 ✭✭✭Pottler


    No silly, it wasn't gone for six years and then made nothing. It was gone for six years and made nothing for you. You can rest assured your money was not resting on a beach sipping Mojitos, it was hard at work, just not for you. The financial services industry loves people who hand them money, they make it slog away dawn to dusk, but then hand back the principal(or a lot less, or nothing:)) and say"tssssk, those damn markets, anyway, good luck now". There is a reason they have nice cars, and nice buildings, and happily, you and everyone like you are that reason. On behalf of your Financial adviser, I thank you. :)


  • #51
    Umaro
    Registered Users, Registered Users 2 Posts: 1,561 ✭✭✭Umaro


    OP has actually lost money when you take into account inflation, opportunity cost and the time value of money.


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  • #52
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Umaro wrote: »
    OP has actually lost money when you take into account inflation, opportunity cost and the time value of money.

    True but he still got his principle, this is not the saddest story I have heard during this recession.


  • #53
    kincsem
    Closed Accounts Posts: 4,012 ✭✭✭kincsem


    You pay a front end commission (15% or more imo), and probably an annual fee. It would be a miracle if your investment was profitable.
    Do your investment yourself. Why let a monkey do your pin-sticking when you can do it.
    But, but, but "they're the experts". No, they are not.


  • #54
    drive3331
    Registered Users, Registered Users 2 Posts: 184 ✭✭drive3331


    .


  • #55
    [Deleted User]
    Posts: 53,068 ✭✭✭✭ [Deleted User]


    I found a savings book from 1985 with £5 in it. Would I still be able to cash that in?


  • #56
    Fishooks12
    Closed Accounts Posts: 5,318 ✭✭✭Fishooks12


    Deleted User wrote: »
    i came away furious 6 years it was away not one penny was made :mad::mad::mad:
    and i have another one next year and probally get notting

    recession
    recession
    recession

    she had a smug look on her face telling me it hard for her also (as if) :mad:

    only thing i sad it her was look im leaving before i say something i regret

    ( in my mind i was knocking her around the giddy bitch )

    i swear ive never been treated so badly in all my life i just feel so down my only dream was to own my home

    Banks I fcuking Swear

    Rant Over


    So you did something in a bank (still not clear), it went wrong

    You got mad at the counter to a cashier who probably had nothing to do with it (and isn't on good money btw)

    Then you fantasize about beating up a woman?

    You sound like an ass. And you can't construct a sentence


  • #57
    Colmustard
    Closed Accounts Posts: 1,836 ✭✭✭Colmustard


    Deleted User wrote: »
    I found a savings book from 1985 with £5 in it. Would I still be able to cash that in?

    Yes you can and you will be surprised by the amount.


  • #58
    [Deleted User]
    Posts: 53,068 ✭✭✭✭ [Deleted User]


    Colmustard wrote: »
    Yes you can and you will be surprised by the amount.

    About 27cent or something?


  • #59
    bluecode
    Closed Accounts Posts: 794 ✭✭✭bluecode


    Was that an Evergreen account? My wife invested money left by her Mother in that account in 2007. It was guaranteed not to lose money. But we were promised that it always made a profit in the past. Well at one stage it was down 29k. It's due next year so we'll get it all back but essentially we have lost money overall because in any other account we would have made some money. We can't touch it now because we'll take the losses. So we have a year to go.

    The irony of it all was that the lady in the bank pointed out that anyone who invested in 2009 is actually up. Yeah thanks for that.:mad:

    It's lousy timing, OP, not the Bank's fault.


  • #60
    Caliden
    Registered Users, Registered Users 2 Posts: 5,981 ✭✭✭Caliden


    I'm in the same boat. Invested my money at the wrong time but it's slowly crawling it's way back up to the starting value.
    Initially invested 20k which hit a low of 14k mid 2008 and now it's back up to 18k.

    4k in 4 years is pretty good in my opinion. In a way I'm glad that I decided to go for the safer investment plan as it would have been alot less.


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  • #61
    Gordon
    Registered Users, Registered Users 2 Posts: 35,522 ✭✭✭✭Gordon


    Deleted User wrote: »
    i swear ive never been treated so badly in all my life
    You've lived a very, very privileged life in that case. You swore on that, remember.

    You gave a company a chunk of money to invest, they said they would do their best, but can't guarantee you winning money from your gamble, but they'd guarantee your initial investment. They stuck to their word, and you got pissy and moany when the person working there showed empathy for your situation (the situation that you personally agreed to, in writing - ie you swore you were happy with the agreement) and made an apparent smug face while empathising with you.

    When will people learn to take responsibility for their actions? That's one of the reasons why the recession happened in the first place for goodness sake.

    And when did the worst thing that ever happen to someone involve a smug look on someone's face when handing over a large chunk of money? Count yourself lucky you have money, food, internet and at worst - smug faces to look at in your darkest hour. If you asked some other people what the worst they had been treated in their life is, some would say "I've been raped" or "My whole family was murdered in front of me" or "I've been physically and mentally tortured by my government" or "I had to read this god awful first post" for example. Stop hating, start enjoying the world.

    People, I f*cking swear. Rant over.


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