Random Irritations

[ColchesterFC]

How does Phone Banking help with paying in cheques? Though it's been many years since I've seen a cheque - it's all been online for ages!

With my bank you can take a photo of the front and back of the cheque and then use that to pay it in via the app on your mobile. It's not something I've ever used or have any intention of using but they keep trying to get me to sign up for it whenever I go into the branch to pay in a cheque.

 

[PJ87]

Responses above in red.

Lol to be fair one of my night crew is a complete infraction but would be rude to not include him

 

[Foxholer]

With my bank you can take a photo of the front and back of the cheque and then use that to pay it in via the app on your mobile. It's not something I've ever used or have any intention of using but they keep trying to get me to sign up for it whenever I go into the branch to pay in a cheque.

I did wonder whether that was how it worked. Another bit of technology to reduce the need for counter staff. Not sure how cost-effective that is/will ever be - and interesting that those that it's the very folk that will be 'lost' that are being asked to push it!

 

[cliveb]

I did wonder whether that was how it worked. Another bit of technology to reduce the need for counter staff. Not sure how cost-effective that is/will ever be - and interesting that those that it's the very folk that will be 'lost' that are being asked to push it!

My experience with paying in cheques on a phone is the Barclays app.
It's a complete train wreck, a pointless exercise in frustration.
Rather than the app allowing you to take a photo manually and then upload it, it works by taking control of the phone's camera and attempts to figure out when it has a cheque in frame to capture the image. Which generally works about one time in a hundred. Absolutely bonkers.

 

[PNWokingham]

I've just cooked for 8 people, half of them paid me the money by bank transfer as they didn't have cash

what is that about?

 

[Blue in Munich]

I go into my branch to pay in a cheque. When I'm home I'm in town several times a week for one reason or another. I receive approx 1 cheque per year, normally from my mother, so it's not a massive imposition to pay that in while I'm in town.

I've got very little need to know my exact balance. I know roughly what's in there and that's good enough for me.

I've never had to pay anyone money so urgently that I've had to do it immediately rather than waiting until I was at home later that day and on my laptop.

I've never had to use mobile banking to confirm anything for my online banking.

But as I said previously, for me there's no tangible benefit. I'm not trying to say that there's no benefit for others. Just refuting the original post about "everyone" having banking on their mobiles.

Much as I’m with you on this you may not have a choice going forward; in our high street Lloyds, Barclays and Santander have gone, Halifax is going so only Nationwide and NatWest remain, but for how long?

 

[arnieboy]

Hopefully my wife will out live me as she does all the financial stuff. I just go to the ATM if I need some cash.

 

[GG26]

what is that about?

That’s what everyone at work does. We go out for lunch, one individual pays and the rest of us pay them by bank transfer. Basically, cash is not really used at all by those under 30 and us older than that are having to learn new ways of doing things.

 

[GB72]

That’s what everyone at work does. We go out for lunch, one individual pays and the rest of us pay them by bank transfer. Basically, cash is not really used at all by those under 30 and us older than that are having to learn new ways of doing things.

I find this cash free thing dangerous on a night out. Cash was my limiter, I took out what I wanted to spend. Contactless spending leaves no idea of what you have spent and ends up in silly rounds and a massively depleted bank balance. Lucklly I am not one for going out in the city often and so most places I go to remain happy with good old fashioned cash.

 

[Jimaroid]

That’s what everyone at work does. We go out for lunch, one individual pays and the rest of us pay them by bank transfer. Basically, cash is not really used at all by those under 30 and us older than that are having to learn new ways of doing things.

That's not how I read it.

Going out with my team = either the company pays or we all split.
Cooking for my team = I pay.

I'd never ask my team to pay me for something I've made for them and it's not something I've ever come across to be honest. Seems like a recipe (tee hee) for disaster to me - what happens if someone thinks you're profiteering?

 

[bobmac]

what happens if someone thinks you're profiteering?

One less to cook for

 

[Neilds]

Constantly being told my call is important when phoning a company. If it was so important I wouldn't be on hold so long as you would have enough call handlers to take my 'important' call

 

[PNWokingham]

That's not how I read it.

Going out with my team = either the company pays or we all split.
Cooking for my team = I pay.

I'd never ask my team to pay me for something I've made for them and it's not something I've ever come across to be honest. Seems like a recipe (tee hee) for disaster to me - what happens if someone thinks you're profiteering?

that is what is was referring to - cooking for people and charging? Not sure what that is about and never come across it. Is that a dinner party or cooking a pot of chilli, taking to work and selling? We have often had people cooking and bringing food in, as we have many different nationalities and it is nice to experience different foods that you will unlikely see, but nobody has ever wanted cash?

 

[fundy]

that is what is was referring to - cooking for people and charging? Not sure what that is about and never come across it. Is that a dinner party or cooking a pot of chilli, taking to work and selling? We have often had people cooking and bringing food in, as we have many different nationalities and it is nice to experience different foods that you will unlikely see, but nobody has ever wanted cash?

think the younger generation call it a side hustle these days

 

[Bunkermagnet]

With my bank you can take a photo of the front and back of the cheque and then use that to pay it in via the app on your mobile. It's not something I've ever used or have any intention of using but they keep trying to get me to sign up for it whenever I go into the branch to pay in a cheque.

I bank my business with Starling Bank, and that’s how I pay cheques up to £500 in...through the app and 2 days later the monies in my account.
Best thing about paying in cheques, is you don’t have to go anywhere to do this and more importantly there is no charge for doing it.
The big banks have some serious catching up to do to get to the service level of Starling Bank.

 

[D-S]

I bank my business with Starling Bank, and that’s how I pay cheques up to £500 in...through the app and 2 days later the monies in my account.
Best thing about paying in cheques, is you don’t have to go anywhere to do this and more importantly there is no charge for doing it.
The big banks have some serious catching up to do to get to the service level of Starling Bank.

I do this problem free via the Nat West App.

 

[Slime]

Come off it, surely everyone has online banking on their phones by now!

I don't.

 

[PhilTheFragger]

I bank my business with Starling Bank, and that’s how I pay cheques up to £500 in...through the app and 2 days later the monies in my account.
Best thing about paying in cheques, is you don’t have to go anywhere to do this and more importantly there is no charge for doing it.
The big banks have some serious catching up to do to get to the service level of Starling Bank.

To be fair the main banks have been able to do this for a while now.

I know Nasty West had teething troubles, but they appear to be sorted now according to my carer.

I’m with Barclays & Lloyds and both provide this

 

[Dando]

The Paige Spiranac Augusta “towel drop” I’ve been watching for 2 weeks solid and she still hasn’t dropped the bloody thing

 

[PJ87]

what is that about?

My night crews last night. I said I'd cook, they pay for the ingredients. It's a fair deal.. we always do it.

Roasts on Sunday

Random breakfasts

Our room is manned 24/7 365 days a year ..

7 nights in a row we used to have a guy cool 7 nights in a row for everyone ..

8/9 of us wanted dinner last night, so that's what was provided

If we had a canteen on sight like the depots do you think the food would be free?

These are my colleagues not My friends or family.