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  1. #31
    @hibs.net private member oconnors_strip's Avatar
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    Quote Originally Posted by MB Crunch View Post
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    You can pay cash/cheques in at the post office and can take cash out there or at an atm.

    That probably covers the bulk of the need.

    What about the elderly who don't like using ATMs and don't have a post office close by? My grandad never used an ATM, he would always go in to his branch for money every couple of days.

    Also what is going to happen with all the staff in these branches which are closing? I'm sure some of them won't want a call centre type job


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  3. #32
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    Quote Originally Posted by oconnors_strip View Post
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    What about the elderly who don't like using ATMs and don't have a post office close by? My grandad never used an ATM, he would always go in to his branch for money every couple of days.

    Also what is going to happen with all the staff in these branches which are closing? I'm sure some of them won't want a call centre type job
    Keeping open loss making branches that fewer and fewer people use just because there are a few elderly folk that don't use an ATM doesn't seem a sensible business case to me. Anyway I'm not sure this 'what about the elderly' thing makes much sense...ATM's have been around for decades so to suggest that just because you are in later years means you can't or won't use one just seems a bit odd. And most elderly folk have seen technology arrive and a lot have embraced it, at least to some degree. Again just because you are over 65 or whatever doesn't mean you can't use online banking or pick up a phone.

    As for the staff I have no idea...hopefully they can find alternative roles for them but again, while difficult for them on a personal level, you can't expect a business to support loss making areas for evermore.

  4. #33
    @hibs.net private member steakbake's Avatar
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    I'd count my parents as elderly - they are retired and into their 70s. They're pretty ok at remote banking, but prefer telephone banking (speaking to someone) over doing something online, I'd say. Their local branch has closed some time ago, but they did eventually adapt after a short while of being a bit shocked to see something that's been in the village for decades suddenly disappear. There is also the post-office counter, where they can take money out and pay money in.

    It's all about ensuring there's some good information about the alternatives.

    To be honest, I think if we're wondering when RBS will start caring, we're probably wondering a few years too late!

  5. #34
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by PeeJay View Post
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    Sure, but if I need a new account, a debit card, etc, or if I change my location, need a loan, lose my card, need some financial/banking advice, want to exchange money will the PO help me, can the ATM help me?

    Another aspect worthy of consideration is the atrocious level of IT security at banks in general with regard to the obsolete online processes/systems/infrastructure in place - how soon before that system breaks down: what then? Here in Germany most systems are roughly 20 years old and the people capable of servicing/maintaining such "old" systems are retiring or have retired .... is it any different in the UK I wonder?

    ... you guys still use "cheques"???


    You can do that online or on the phone.

    Cheque numbers are decreasing, I suspect the demographics using cheques are the ones likely to use branches more.

  6. #35
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by oconnors_strip View Post
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    What about the elderly who don't like using ATMs and don't have a post office close by? My grandad never used an ATM, he would always go in to his branch for money every couple of days.

    Also what is going to happen with all the staff in these branches which are closing? I'm sure some of them won't want a call centre type job
    Out of interest, do you think he'll be willing to pay for it to cover the cost of the service? Let's say a fiver a time.

  7. #36
    @hibs.net private member oconnors_strip's Avatar
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    Quote Originally Posted by MB Crunch View Post
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    Out of interest, do you think he'll be willing to pay for it to cover the cost of the service? Let's say a fiver a time.
    I would ask him but don't think they use banks in heaven.

    If he was still alive I'm sure he would happily pay for the service

  8. #37
    @hibs.net private member Hibs Class's Avatar
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    Quote Originally Posted by MB Crunch View Post
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    Out of interest, do you think he'll be willing to pay for it to cover the cost of the service? Let's say a fiver a time.
    The chances are that folk in that position are aleady paying for it through hidden charges
    ​#PERSEVERED


  9. #38
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by oconnors_strip View Post
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    I would ask him but don't think they use banks in heaven.

    If he was still alive I'm sure he would happily pay for the service
    Apologies.

    Fair enough, not many would.

  10. #39
    @hibs.net private member PeeJay's Avatar
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    Quote Originally Posted by MB Crunch View Post
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    You can do that online or on the phone.

    Cheque numbers are decreasing, I suspect the demographics using cheques are the ones likely to use branches more.
    Fair point, you can do "everything" online, my point was what if you don't want to or can't? And - as I referred to in my post - what about the outdated IT systems and people in charge - and the inherent risk, you don't have an issue with that?

    You happy to have financial advice give to you "on the phone" by someone you don't know, can't see?

  11. #40
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by PeeJay View Post
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    Fair point, you can do "everything" online, my point was what if you don't want to or can't? And - as I referred to in my post - what about the outdated IT systems and people in charge - and the inherent risk, you don't have an issue with that?

    You happy to have financial advice give to you "on the phone" by someone you don't know, can't see?
    It's a fine balancing act. The public (shareholder) wants it to be making a profit so it can sell its shares but the public (customer) doesn't want to cut loss making services such as branches.

    Systems/processes are pretty crap but it costs money to fix them. You can't spend money on everything and a significant amount goes into regulation such as ring fencing and offloading W&G/TSB (for RBS/Lloyds respectively). To invedt in other areas there have to be cutbacks.

    If a customer doesn't like the existing service (because of branch location or whatever) then, just like you'd do in any other industy, find someone else to go to.

    I sympathise with those who struggle with certain services but they'll be in a minority and coming back to the first point, it's not a charity. When you think about it it's not often you do any of the things you can't do in a post office so the cost:benefit isn't there for the bank or the public.

    Strictly speaking banks don't give financial advice but to answer the question, yes I'm fine with that. I'll make a judgement based on their phone manner and/or website whether I trust them or not.

    Edit: it's a bit like the recent fuss about Christmas lights in Edinburgh. Money doesn't spread far enough and when it comes down to christmas lights, bin collections, schools etc. a difficult choice needs to be made about what goes.
    Last edited by Speedy; 09-12-2016 at 10:40 AM.

  12. #41
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by MB Crunch View Post
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    It's a fine balancing act. The public (shareholder) wants it to be making a profit so it can sell its shares but the public (customer) doesn't want to cut loss making services such as branches.

    Systems/processes are pretty crap but it costs money to fix them. You can't spend money on everything and a significant amount goes into regulation such as ring fencing and offloading W&G/TSB (for RBS/Lloyds respectively). To invedt in other areas there have to be cutbacks.

    If a customer doesn't like the existing service (because of branch location or whatever) then, just like you'd do in any other industy, find someone else to go to.

    I sympathise with those who struggle with certain services but they'll be in a minority and coming back to the first point, it's not a charity. When you think about it it's not often you do any of the things you can't do in a post office so the cost:benefit isn't there for the bank or the public.

    Strictly speaking banks don't give financial advice but to answer the question, yes I'm fine with that. I'll make a judgement based on their phone manner and/or website whether I trust them or not.

    Edit: it's a bit like the recent fuss about Christmas lights in Edinburgh. Money doesn't spread far enough and when it comes down to christmas lights, bin collections, schools etc. a difficult choice needs to be made about what goes.
    Good advice, Crunch. Thanks.
    I've been with RBS for over 50 years. Time to say "stuff them" as that's their apparent latest attitude towards their customers.

  13. #42
    The cost of a transaction in a branch costs something like 4. To make one using digital/online is something like a 1/4 to. 1/5 of that. Very rarely to I go to a branch unless I need to pay a cheque in. Even then, I'll use the automates system

  14. #43
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by Fuzzywuzzy View Post
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    The cost of a transaction in a branch costs something like 4. To make one using digital/online is something like a 1/4 to. 1/5 of that. Very rarely to I go to a branch unless I need to pay a cheque in. Even then, I'll use the automates system
    .... and the cost to RBS for me using another bank will be even less.

  15. #44
    @hibs.net private member snooky's Avatar
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    Another 30 being earmarked for closure.
    From BBC website "An RBS spokesman said many more customers now preferred using mobile and online services over traditional branch counters."
    That may be the case and he must be one of them because he obviously doesn't have to stand for up to an hour in a queue at the remaining branches like the average punter.

    Here's a list of the RBS branches facing closure.

    Anstruther
    Banchory
    Bishopbriggs
    Blantyre
    Buckie
    Cowdenbeath
    Cumnock
    Cupar
    Dalgety Bay
    Denny
    Forres
    Girvan
    Glasgow Alexandra Parade,
    Glasgow Anniesland Cross
    Glasgow Burnside
    Glasgow Crosshill
    Glasgow Govan
    Grangemouth
    Kilsyth
    Kirkcaldy Central
    Leven
    Mauchline
    Newton Mearns
    Newton Stewart
    Prestwick
    Stenhousemuir
    Stonehaven
    Troon
    Westhill
    Whitburn

  16. #45
    johnbc70
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    Quote Originally Posted by snooky View Post
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    Another 30 being earmarked for closure.
    From BBC website "An RBS spokesman said many more customers now preferred using mobile and online services over traditional branch counters."
    That may be the case and he must be one of them because he obviously doesn't have to stand for up to an hour in a queue at the remaining branches like the average punter.

    Here's a list of the RBS branches facing closure.

    Anstruther
    Banchory
    Bishopbriggs
    Blantyre
    Buckie
    Cowdenbeath
    Cumnock
    Cupar
    Dalgety Bay
    Denny
    Forres
    Girvan
    Glasgow Alexandra Parade,
    Glasgow Anniesland Cross
    Glasgow Burnside
    Glasgow Crosshill
    Glasgow Govan
    Grangemouth
    Kilsyth
    Kirkcaldy Central
    Leven
    Mauchline
    Newton Mearns
    Newton Stewart
    Prestwick
    Stenhousemuir
    Stonehaven
    Troon
    Westhill
    Whitburn
    Is what you wait in the branch for something that you can only do in an actual branch?

  17. #46
    Testimonial Due Just Jimmy's Avatar
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    Leven is my branch. I hardly use it. My dad is raging though.

    Sent from my SM-G935F using Tapatalk

  18. #47
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by johnbc70 View Post
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    Is what you wait in the branch for something that you can only do in an actual branch?
    As opposed to doing it online do you mean? If so, I do not want to do any banking online, thank you.
    There are far too many horror stories out there. I also like to explain to a real living person what I want to do. I hate 'talking' to a machine that answers my questions & answers with simply more questions.
    There are people out there who don't like or trust computers. I'm one of them, as you may have guessed already.

  19. #48
    Testimonial Due Colr's Avatar
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    Quote Originally Posted by snooky View Post
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    As opposed to doing it online do you mean? If so, I do not want to do any banking online, thank you.
    There are far too many horror stories out there. I also like to explain to a real living person what I want to do. I hate 'talking' to a machine that answers my questions & answers with simply more questions.
    There are people out there who don't like or trust computers. I'm one of them, as you may have guessed already.
    I suppose its down to consumer choice.

    I don't want to pay through my charges, etc.. for someone who needs branches but as long as I can use an online bank then someone else can provide the analogue version for folk who want to pay for it. Easyjet stylee!!

  20. #49
    @hibs.net private member Speedy's Avatar
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    Quote Originally Posted by snooky View Post
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    As opposed to doing it online do you mean? If so, I do not want to do any banking online, thank you.
    There are far too many horror stories out there. I also like to explain to a real living person what I want to do. I hate 'talking' to a machine that answers my questions & answers with simply more questions.
    There are people out there who don't like or trust computers. I'm one of them, as you may have guessed already.
    Other option is a post office if it's just the basics.

    You can pay in/withdraw for example.

  21. #50
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by Speedy View Post
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    Other option is a post office if it's just the basics.

    You can pay in/withdraw for example.
    Thanks for the tip.

    Analoguists rule, OK!

  22. #51
    Quote Originally Posted by snooky View Post
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    As opposed to doing it online do you mean? If so, I do not want to do any banking online, thank you.
    There are far too many horror stories out there. I also like to explain to a real living person what I want to do. I hate 'talking' to a machine that answers my questions & answers with simply more questions.
    There are people out there who don't like or trust computers. I'm one of them, as you may have guessed already.
    Phone banking is my preferred choice. Speak to a person and avoid online banking without having to visit a branch.

  23. #52
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by beensaidbefore View Post
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    Phone banking is my preferred choice. Speak to a person and avoid online banking without having to visit a branch.
    Each to his own, I guess.

  24. #53
    Embrace the 21st century man, you will be OK, honest. 😂

  25. #54
    @hibs.net private member Scouse Hibby's Avatar
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    I do online banking but equally there are things I like to go into a branch for.
    "If a player is not interfering with play or seeking to gain
    an advantage, then he should be."

  26. #55
    @hibs.net private member snooky's Avatar
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    Quote Originally Posted by beensaidbefore View Post
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    Embrace the 21st century man, you will be OK, honest. 😂
    Vynil is back in vogue

  27. #56
    @hibs.net private member greenlex's Avatar
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    Don't understand anyone not doing online banking to be honest. Particularly on savy enough to use Hibs.net.

  28. #57
    @hibs.net private member Scouse Hibby's Avatar
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    Quote Originally Posted by greenlex View Post
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    Don't understand anyone not doing online banking to be honest. Particularly on savy enough to use Hibs.net.
    Probably the same reason people still shop on the high street or go to a supermarket rather than sit at a PC and order everything online.
    "If a player is not interfering with play or seeking to gain
    an advantage, then he should be."

  29. #58
    I only want to say the Scottish Cup is in the bag... Sir David Gray's Avatar
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    Three of these are local to me, Stenhousemuir, Denny and Grangemouth.

    Very sad and a sign of the times unfortunately.
    HIBERNIAN F.C. - SCOTTISH CUP WINNERS 2016

    21.05.2016

  30. #59
    @hibs.net private member greenlex's Avatar
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    Quote Originally Posted by Scouse Hibee View Post
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    Probably the same reason people still shop on the high street or go to a supermarket rather than sit at a PC and order everything online.
    Don't follow. Banking is a service rather than something you can see, touch and try. There is no comparison other than the social side of it.

  31. #60
    @hibs.net private member Scouse Hibby's Avatar
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    Quote Originally Posted by greenlex View Post
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    Don't follow. Banking is a service rather than something you can see, touch and try. There is no comparison other than the social side of it.
    There is social interaction and a personal feeling of being able to speak to a human being. Also folk like to wander along their local high street and do their messages and do errands. I totally get it. I have the facility to do online banking but if I have the time I will always go to a branch. The same with supermarket shopping, I don't try any of our weekly shop in the shop and pretty much I know exactly what we want and what brands we buy but would never dream of doing it online.
    "If a player is not interfering with play or seeking to gain
    an advantage, then he should be."

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