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RBS post office move sparks talk of branch closures
http://www.x404.co.uk/forum/viewtopic.php?f=19&t=21404		 Page 1 of 1
Author:  pcernie [ Sat Feb 22, 2014 10:50 am ]
Post subject:  RBS post office move sparks talk of branch closures
http://www.bbc.co.uk/news/business-26294010

I'm at the stage where I'd sooner phone up or walk in than go online. Apart from not using as many direct debits as I used to, I try to remember my log-in details, find the site's a friggin' shambles or just not working at all, never certain that the transaction I've made has actually worked... And some of the products you need to speak to someone to get clarification. I dread the annual 'try to earn interest on my savings' bout :evil:
Author:  Amnesia10 [ Sat Feb 22, 2014 2:29 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
The banks want to reduce their numbers of branches to 700 for each bank. The problem is that would mean many villages and parts of the country with out any access to a bank.
Author:  rustybucket [ Sat Feb 22, 2014 3:48 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
Amnesia10 wrote:
The problem is that would mean many villages and parts of the country with out any access to a bank.


And?

Most people don't actually need a bank branch - they need a cash machine.

Cheques can be posted, cash deposits can be machine-counted, BACS payments can be done online by definition.

People who live in the country go to town once every couple of weeks - they're used to it. What really winds the rustics up are things like the extortionate fuel and food prices, low wages, arsehole grockles buying up all the housing stock for holiday homes plus the national parks authorities and local councils making everything anyone wants to do either expensive or impossible.

Not having a building to visit is rather secondary to not having any money or choices.
Author:  Amnesia10 [ Sat Feb 22, 2014 4:03 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
rustybucket wrote:
Amnesia10 wrote:
The problem is that would mean many villages and parts of the country with out any access to a bank.


And?

Most people don't actually need a bank branch - they need a cash machine.

Cheques can be posted, cash deposits can be machine-counted, BACS payments can be done online by definition.

People who live in the country go to town once every couple of weeks - they're used to it. What really winds the rustics up are things like the extortionate fuel and food prices, low wages, arsehole grockles buying up all the housing stock for holiday homes plus the national parks authorities and local councils making everything anyone wants to do either expensive or impossible.

Not having a building to visit is rather secondary to not having any money or choices.

I agree with you on all counts but I am not able to use an ATM, I have not used one for more than 20 years. Yes you can do a lot online or on the phone, but not everyone can use those. I get most of my cash out via cash back when I get my groceries. Plus banks need to be able to see their clients to confirm that they are who they say they are.
Author:  rustybucket [ Sat Feb 22, 2014 4:19 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
Amnesia10 wrote:
I agree with you on all counts but I am not able to use an ATM, I have not used one for more than 20 years. Yes you can do a lot online or on the phone, but not everyone can use those. I get most of my cash out via cash back when I get my groceries.
In which case you won't be able to live in the countryside. Sorry but that's tough titty.

However, I dare say that most conditions that would make an ATM impossible would also make a small village impossible.

Amnesia10 wrote:
Plus banks need to be able to see their clients to confirm that they are who they say they are.

Utter bowlocks, frankly.

I established my identity when I got my passport, birth certificate and driving licence. Besides which, where do I visit if I join an online-only bank?
Author:  jonbwfc [ Sat Feb 22, 2014 6:07 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
rustybucket wrote:
However, I dare say that most conditions that would make an ATM impossible would also make a small village impossible.

I presume you meant to type 'small village branch' there. Small villages are eminently possible.
Author:  Amnesia10 [ Sat Feb 22, 2014 6:44 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
rustybucket wrote:
Amnesia10 wrote:
I agree with you on all counts but I am not able to use an ATM, I have not used one for more than 20 years. Yes you can do a lot online or on the phone, but not everyone can use those. I get most of my cash out via cash back when I get my groceries.
In which case you won't be able to live in the countryside. Sorry but that's tough titty.

However, I dare say that most conditions that would make an ATM impossible would also make a small village impossible.

Amnesia10 wrote:
Plus banks need to be able to see their clients to confirm that they are who they say they are.

Utter bowlocks, frankly.

I established my identity when I got my passport, birth certificate and driving licence. Besides which, where do I visit if I join an online-only bank?

It was more to do with opening accounts though as many online banks seemingly can do it without a branch.
Author:  cloaked_wolf [ Sat Feb 22, 2014 8:45 pm ]
Post subject:  Re: RBS post office move sparks talk of branch closures
I've historically always given cheques in person. A branch also makes it easy to withdraw Large amounts of cash eg £3000 in one go.
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