Things that annoy you beyond reason...(Vol 5)

[nonsequitur]

Lemming Train said:

SGirl said:

Today's annoyance: banks that ask you why you're making a large payment. When the beneficiary is HMRC and it's 30 January.

"Just doing our job, Ma'am. Money Laundering Regs you see". Oh do f*ck off.

I'm sure that bank staff wish they could sometimes say that to irritant customers.

[captain_cynic]

nonsequitur said:

Lemming Train said:

SGirl said:

Today's annoyance: banks that ask you why you're making a large payment. When the beneficiary is HMRC and it's 30 January.

"Just doing our job, Ma'am. Money Laundering Regs you see". Oh do f*ck off.

I'm sure that bank staff wish they could sometimes say that to irritant customers.

Yep, anyone who works in retail wishes they could tell annoying customers to feck right off.

However why is anyone going into a bank to do a transaction these days? Online exists for a reason.

[droopsnoot]

captain_cynic said:

nonsequitur said:

Lemming Train said:

SGirl said:

Today's annoyance: banks that ask you why you're making a large payment. When the beneficiary is HMRC and it's 30 January.

"Just doing our job, Ma'am. Money Laundering Regs you see". Oh do f*ck off.

I'm sure that bank staff wish they could sometimes say that to irritant customers.

Yep, anyone who works in retail wishes they could tell annoying customers to feck right off.

However why is anyone going into a bank to do a transaction these days? Online exists for a reason.

I seem to recall my online banking has a transfer limit. Perhaps SGirl's tax bill is above their limit.

[Roofless Toothless]

captain_cynic said:

Yep, anyone who works in retail wishes they could tell annoying customers to feck right off.

I used to work in retail and I've seen it done.

Our family shop (we sold knitting wool and haberdashery back in the 80's) was in a covered market, and next door was a household goods shop. I often used to hang around in there as the guy who owned it was one of the funniest blokes I have ever met.

He had shelves crammed full of stuff like china and glass ornaments, which made me reflect that the worse that could happen if one of my customers dropped a ball of wool on the floor was that it might get a little grubby. One day while chatting to him, I became aware his eyes were starting to focus over my shoulder, so I turned to see what he was watching.

There was a man going round the shelves, picking up each and every item he came across, turning it over, and putting it back. He didn't miss a thing. In the end, my mate said to me, "watch this!"

He went over and said to this guy, "here, there's only one thing in this shop that you haven't touched, and that's down the front of my trousers. Now f*** off."

The customer looked astonished and without saying a word walked out.

My mate said, "I know you shouldn't, but you'd go mad if you didn't do that now and again."

[fatboy18]

captain_cynic said:

nonsequitur said:

Lemming Train said:

SGirl said:

Today's annoyance: banks that ask you why you're making a large payment. When the beneficiary is HMRC and it's 30 January.

"Just doing our job, Ma'am. Money Laundering Regs you see". Oh do f*ck off.

I'm sure that bank staff wish they could sometimes say that to irritant customers.

Yep, anyone who works in retail wishes they could tell annoying customers to feck right off.

However why is anyone going into a bank to do a transaction these days? Online exists for a reason.

Im a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

[captain_cynic]

droopsnoot said:

I seem to recall my online banking has a transfer limit. Perhaps SGirl's tax bill is above their limit.

Mine has £25,000... Daily.

If you're transferring more than £25,000 in a month, let alone a day, you need to talk to your bank about getting a suitable account, if I earned enough to be paying a £25,000 a month tax bill, I'd expect the bank to look after me and an account rep too.

IIRC, all transactions over £8,000 need to be reported under money laundering laws. This is pretty well automated though.

[captain_cynic]

fatboy18 said:

m a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

Does your bank allow you to mail cheques in? I used that method last time I got a refund from the DVLA. It added an extra day though, I understand that running a small business often means cashflow is critical.

Either that or get a basic account with a more convenient bank for the purposes of depositing cheques. Not sure how many you get so no idea how much effort you're willing to go to.

[RizzoTheRat]

SGirl said:

Today's annoyance: banks that ask you why you're making a large payment. When the beneficiary is HMRC and it's 30 January.

"Are you being coerced in to making a payment against your will"

Well it's funny you should mention that...

captain_cynic said:

Does your bank allow you to mail cheques in? I used that method last time I got a refund from the DVLA. It added an extra day though, I understand that running a small business often means cashflow is critical.

One of my colleagues recently had a family member send him a cheque for something. He, and his family, are Canadian. So the family member had posted the cheque to him in the Netherlands, and he than had to post it back to his bank in Canada to pay it in

Edited by RizzoTheRat on Wednesday 30th January 11:38

[anonymous-user]

fatboy18 said:

m a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

What bank are you with ? You can pay into a Nat West account at our local Post Office and I believe they cover other banks too.

[SGirl]

droopsnoot said:

I seem to recall my online banking has a transfer limit. Perhaps SGirl's tax bill is above their limit.

Probably that. I don't know what my transfer limit is, I've never tested it! Besides which, if I transfer that kind of money myself and make a mistake, that would be disastrous. If I get them to transfer it and they make a mistake, they have to give it back!

RizzoTheRat said:

"Are you being coerced in to making a payment against your will"

Well it's funny you should mention that...

They never ask me that, they always want to know why I "want" to make the payment. I never "want" to make this payment.

Edited by SGirl on Wednesday 30th January 11:46

[Shakermaker]

fatboy18 said:

m a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

I think in the USA, my colleague was telling me that he used to be able to pay cheques in by using his mobile banking app, taking a photo of the cheque and then mailing it in, and it didn't add any time to him getting the money unless there was an issue with the cheque itself when it got mailed in. Seemed to work pretty well, again not sure why that wouldn't work over here

[moneymakestheworldgoaround]

Shakermaker said:

fatboy18 said:

m a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

I think in the USA, my colleague was telling me that he used to be able to pay cheques in by using his mobile banking app, taking a photo of the cheque and then mailing it in, and it didn't add any time to him getting the money unless there was an issue with the cheque itself when it got mailed in. Seemed to work pretty well, again not sure why that wouldn't work over here

I have the option on my HSBC app to pay a cheque in via my phone...
If HSBC have it, I'm sure other banks in the UK also have it.

[j_4m]

captain_cynic said:

Yep, anyone who works in retail wishes they could tell annoying customers to feck right off.

Been there, done that. Whilst a student I quickly realised my worth as a retail/service employee after my fourth or fifth job, and simultaneously how easy it was to find bottom of the ladder menial work. Polite customers were treated with warmth and friendliness, impolite customers didn't get served or got stty attitude. If I got sacked there were hundreds of other crappy employers willing to offer me minimum wage.

Eventually, after yet another mid-shift walk out, I realised that labouring earned me more money and dealing with 'site banter' was a hell of a lot easier than customers.

[Shakermaker]

j_4m said:

Eventually, after yet another mid-shift walk out, I realised that labouring earned me more money and dealing with 'site banter' was a hell of a lot easier than customers.

Yup. Customer facing work is not suited to everyone, sadly a lot of people in customer facing jobs don't realise this soon enough in my opinion. And I am sure that you have found people on site to whom they'd be much better dealing with Mrs Miggins in Tesco than Dave the Brickie, but again haven't realised this to themselves.

[captain_cynic]

j_4m said:

Been there, done that. Whilst a student I quickly realised my worth as a retail/service employee after my fourth or fifth job, and simultaneously how easy it was to find bottom of the ladder menial work. Polite customers were treated with warmth and friendliness, impolite customers didn't get served or got stty attitude. If I got sacked there were hundreds of other crappy employers willing to offer me minimum wage.

I've always said service in the UK (and Oz) is reciprocal. If you routinely get crap customer service, you must be a crap customer.

All someone in retail wants is to be looked in the eye and treated like a person, please, thank you, general politeness.

j_4m said:

Eventually, after yet another mid-shift walk out, I realised that labouring earned me more money and dealing with 'site banter' was a hell of a lot easier than customers.

Digging holes on the side of the highway was good money back in Australia in the early 00's. 40° heat, not so much fun.

[thebigmacmoomin]

Grahamdub said:

fatboy18 said:

m a self employed Handyman and often get paid by Cheque, its a PIA trying to park a van in a High street when many local branches have closed down, multi story car parks are useless for high sided vans. My nearest bank is in a shopping centre 6 miles away. Many older people do not know how to use the internet. Online banking is fine if people pay by BACS but cheques is a whole different story.

What bank are you with ? You can pay into a Nat West account at our local Post Office and I believe they cover other banks too.

I pay in cheques via my banks online banking app. Take a picture of it and thats it. Just file the cheque for my reference or you can destroy it.

[Willy Nilly]

I heard a song on the radio by Ariana Grande earlier, which in itself is quite annoying as it could have been any over a number of female vocalists. Anyway, the drums on that track and my other similar songs annoy me beyond reason. It's just a faint clicking with the bass being a muffled thud. All done I assume on a computer, it makes me wonder what is the point and why they don't get a proper drummer in.

[captain_cynic]

Willy Nilly said:

I heard a song on the radio by Ariana Grande earlier, which in itself is quite annoying as it could have been any over a number of female vocalists. Anyway, the drums on that track and my other similar songs annoy me beyond reason. It's just a faint clicking with the bass being a muffled thud. All done I assume on a computer, it makes me wonder what is the point and why they don't get a proper drummer in.

Because real musicians cost money, have pesky demands like fair pay, may occasionally do things of their own accord (yes, even a drummer), so on and so forth. Using a drum machine or samples is far cheaper.

Besides, they're already autotuning the vocals to a point where the "artist" can no longer produce the sounds from their own voice, so they end up miming to the CD at live concerts. Why not just add the "music" at the same time?

Just wait until someone cracks the uncanny valley, at that point the need for an actual person to sing becomes unnecessary and we'll end up with virtual pop stars (see: Hatsune Miku) tailored to have the widest possible appeal and zero chance they'll go on a drug bender and mess up your perfect marketing.

[I Love Cake]

People who write in their own accent.

[alorotom]

thebigmacmoomin said:

I pay in cheques via my banks online banking app. Take a picture of it and thats it. Just file the cheque for my reference or you can destroy it.

This. I use Barclays and this service is great for the 1-2 cheques I seem to get a year for random stuff. Plus the cheque normally clears the same day when paid in via the app in my experience even on a weekend - I was shocked when I paid one in on a Saturday at about 2pm and come 3pm it was cleared!