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Internaut
2nd March 2019, 01:06 PM
Erm, without attracting the wrong kind of attention. A thread, in the lounge, with no trace of photography or politics. Iíve been living with the parents, and over time Iíve paid them monthly housekeeping. Over time, a pile of cash has built up, and a lot of £20 notes. At some point, those £20s will need to be replaced with the upcoming new fangled £20s. What happens if Dad starts putting some of this money into his bank account.

I ask because the money laundering checks are so tight, these days. Dad had to give up trying to get a bank account for mum. She doesnít drive, want a passport or be in possession of a shotgun licence (seriously, they asked if she owned a shotgun licence). I got a clue as to just how much we are monitored, last year.... Within days of me putting a few grand of PPI money into my bank account, I got a fishing letter from Revenue and Customs (ďHas there been a change in your circumstances youíd like to inform us of?Ē).

Obviously, I do encourage deaf git and the mad one to prioritise spending the cash over spending in any other way. Iíve also encouraged them to buy some dollars, next time the rate is good (which is as close to a political thing Iíll say here).

There is another forum far more appropriate to this thread, but some of the denizens know where I live....

blu-by-u
2nd March 2019, 01:47 PM
Think you got to put in little by little and use CASH in your purchased plus get your mom a credit card.

Jax
2nd March 2019, 02:21 PM
Erm, without attracting the wrong kind of attention. A thread, in the lounge, with no trace of photography or politics. Iíve been living with the parents, and over time Iíve paid them monthly housekeeping. Over time, a pile of cash has built up, and a lot of £20 notes. At some point, those £20s will need to be replaced with the upcoming new fangled £20s. What happens if Dad starts putting some of this money into his bank account.

I ask because the money laundering checks are so tight, these days. Dad had to give up trying to get a bank account for mum. She doesnít drive, want a passport or be in possession of a shotgun licence (seriously, they asked if she owned a shotgun licence). I got a clue as to just how much we are monitored, last year.... Within days of me putting a few grand of PPI money into my bank account, I got a fishing letter from Revenue and Customs (ďHas there been a change in your circumstances youíd like to inform us of?Ē).

Obviously, I do encourage deaf git and the mad one to prioritise spending the cash over spending in any other way. Iíve also encouraged them to buy some dollars, next time the rate is good (which is as close to a political thing Iíll say here).

There is another forum far more appropriate to this thread, but some of the denizens know where I live....

With the use of such endearing terms, I would recommend the "Deaf Git" and "The Mad One" to spend every single penny and make a will leaving the house, car and everything else to a Pets Charity ! :D

Jax

MJ224
2nd March 2019, 03:05 PM
You don't have anything to hide, just deposit the cash and tell the truth...……..:confused:

Simples!

Edit::::::::;; Would the money be treated as income, thus liable to tax???

Internaut
2nd March 2019, 03:10 PM
You don't have anything to hide, just deposit the cash and tell the truth...ÖÖ..:confused:

Simples!

Edit::::::::;; Would the money be treated as income, thus liable to tax???

That was my thinking, at first, but one canít be too paranoid. There is certainly the record of the withdrawal of an amount every month, by me.

Internaut
2nd March 2019, 03:11 PM
With the use of such endearing terms, I would recommend the "Deaf Git" and "The Mad One" to spend every single penny and make a will leaving the house, car and everything else to a Pets Charity ! :D

Jax

They donít need any encouragement in that respect.

Jim Ford
2nd March 2019, 05:03 PM
I was told of a money 'laundering' technique some years ago, and post it for interest. I've no idea if it works:

You visit a casino with the money and buy a load of chips. You then have a drink and 'swan' around for a bit and then go to the cashier and cash in the chips - getting a receipt. You then pay the money into the bank, and if there are any enquiries you can say that you won it gambling and produce the receipt!

Jim

Graham_of_Rainham
2nd March 2019, 05:48 PM
I had a similar thing when my Dad died. A biscuit tin stuffed with £20s.

Just took them to the bank...

skids
2nd March 2019, 08:39 PM
Edit::::::::;; Would the money be treated as income, thus liable to tax???

Over at AccountingWeb there was a thread on whether a contribution from a family member towards household costs is income (and would fall within the Rent a Room scheme rules) and the answer was it's not treated as income. https://www.accountingweb.co.uk/any-answers/should-rent-a-room-relief-include-rent-from-adult-son

Naughty Nigel
2nd March 2019, 10:07 PM
If you want to hide money away from the Tax Man, open a currency account with Barclays Bank. You can then keep your money as Euros, US Dollars or whatever you like.

The local branch has no knowledge of this, (I have asked and was told they have no access to currency accounts), and I struggle to get statements from them myself so I wish HMRC the very best of luck! ;)

I should be clear that I opened the account for perfectly honourable reasons (i.e. receiving payments from customers in the Ä Euro zone) and I have no intention of hiding it from the Tax Man; but that is just the way it seems to work out.

Beagletorque
4th March 2019, 05:01 PM
There is the £3000 annual tax free gift allowance too, usually for going the other way one assumes!

pdk42
4th March 2019, 05:43 PM
Crazy situation really. I'm guessing none of us have the sort of cash that would make any tangible difference to Her Majesty's Government's income. The sort of people who have that sort of cash have all the professional advice and tricks up their sleeve to avoid paying the vast majority of what they should. Crazy world!

Naughty Nigel
4th March 2019, 05:52 PM
It is Paul, all motivated by greed.

Those who have the most are some of the worst offenders.

I particularly resent the cynical greed of big corporates (mainly American) who not only avoid paying their taxes, but set up systems with the sole intention of fleecing ordinary punters who have no other choice.

PayPal's foreign currency conversion is a good example. PayPal offers a derisory exchange rate for foreign currency, but when I tried to spend some Euros today from my PayPal account they locked it "for security reasons".

Apparently I was supposed to change it to Sterling first and then let them change it back to Euros again. As you can imagine, a few hundred Euros would quickly become worthless using that trick. :rolleyes:

Meanwhile they have my money in their bank which I cannot touch until they unlock it.

Darkroom
4th March 2019, 09:49 PM
Even if you have cash and willing to pay it into the bank, the real trick now is finding a branch that hasn't been closed down. I've been an RBS customer since I was 19 but they've closed the majority of branches round here, so it means a 20 minute drive to pay in.

We are seriously considering closing all our savings and current accounts and using the Post Office, that is until they also close their branches. Maybe the "Cashless Society" isn't as far off as some think. *yes


Darkroom

Naughty Nigel
5th March 2019, 09:01 AM
Maybe the "Cashless Society" isn't as far off as some think. *yes


Darkroom

I saw an item on the television news recently about pubs that had gone cashless for security reasons. Contactless payment is so quick and easy.

But yet again, the credit card companies fleece small businesses for card machines, and typically charge around 2.7% commission for credit card sales. There is no commission on debit card sales but there is often a transaction fee.

Does anyone use cheques any more? I cannot remember the last time I wrote out a cheque, although we received our Council Tax bill yesterday, and I see they still accept cheques. I might just try that as it would probably take our Council at least six weeks to pay the cheques in. *yes

Naughty Nigel
5th March 2019, 09:09 AM
Even if you have cash and willing to pay it into the bank, the real trick now is finding a branch that hasn't been closed down.

Our local Barclays branch was closed almost a year ago, along with branches in other small towns and villages around here. Our nearest Barclays branches are now in Durham City, Stockton or Darlington, all of which are at least ten miles away, involve finding somewhere to park and a ten minute walk.

Our branch was always busy and there were often customers queuing out of the door, yet Barclays claimed that "nobody used it". :mad:

Only yesterday I heard that Barclays are closing yet more branches in the area, so some communities will be 30 miles away from their nearest branch.:(

wornish
5th March 2019, 09:47 AM
Our local Barclays branch was closed almost a year ago, along with branches in other small towns and villages around here. Our nearest Barclays branches are now in Durham City, Stockton or Darlington, all of which are at least ten miles away, involve finding somewhere to park and a ten minute walk.

Our branch was always busy and there were often customers queuing out of the door, yet Barclays claimed that "nobody used it". :mad:

Only yesterday I heard that Barclays are closing yet more branches in the area, so some communities will be 30 miles away from their nearest branch.:(

The same thing is happening here in my area of Cheshire with Lloyds Bank. They closed the branch in my nearest town Congleton two years ago meaning I had to go 10 miles to Sandbach if I wanted to put money in or a cheque. Then last December they changed that branch to a no counter service branch just somewhere you can go talk to them! Now the nearest one with counter service is in Crewe which is almost 20 miles from where I live.

TimP
5th March 2019, 10:00 AM
Surely this is part of the cashless, online, automated society that we’re told we all need. We won’t see any benefits from all this but the big corps / banks will increase profits and reduce staff. Everyone’s a winner....... oh! Wait....

Naughty Nigel
5th March 2019, 10:09 AM
Surely this is part of the cashless, online, automated society that we’re told we all need. We won’t see any benefits from all this but the big corps / banks will increase profits and reduce staff. Everyone’s a winner....... oh! Wait....

I don't think the branch staff were ever particularly well paid even when the branches were open.

Does anyone else remember "The Bank Manager", who was to be feared even when you had a healthy balance! *yes

TimP
5th March 2019, 10:16 AM
I don't think the branch staff were ever particularly well paid even when the branches were open.

Does anyone else remember "The Bank Manager", who was to be feared even when you had a healthy balance! *yes

Iíd guess they were better paid than most customer facing high street employees, plus they would surely have a few benefits thrown in. The chap I was talking to about specific accounts recently certainly had at least some of the benefits that the account offered.
I wonder if individual banks still have a manager? The younger generation might benefit from having to beg for access to credit instead of having it thrown at them and then not having a clue about managing money.

Naughty Nigel
5th March 2019, 10:34 AM
Iíd guess they were better paid than most customer facing high street employees, plus they would surely have a few benefits thrown in. The chap I was talking to about specific accounts recently certainly had at least some of the benefits that the account offered.
I wonder if individual banks still have a manager? The younger generation might benefit from having to beg for access to credit instead of having it thrown at them and then not having a clue about managing money.

Barclays have what they call 'Relationship Managers' whatever that means.

They seem to be 'floating' managers who cover the few remaining branches in rotation.

I don't know about begging for loans though. The decisions all seem to be made by computer nowadays so there is probably little to be gained by grovelling to anyone in branch. *yes

Otto
5th March 2019, 10:45 AM
Our local Barclays branch was closed almost a year ago, along with branches in other small towns and villages around here. Our nearest Barclays branches are now in Durham City, Stockton or Darlington, all of which are at least ten miles away, involve finding somewhere to park and a ten minute walk.

Our branch was always busy and there were often customers queuing out of the door, yet Barclays claimed that "nobody used it". :mad:

Only yesterday I heard that Barclays are closing yet more branches in the area, so some communities will be 30 miles away from their nearest branch.:(

HSBC closed here a couple of years ago and took their ATM with them. The one remaining ATM in the Barclays branch went AWOL for a fortnight shortly afterwards and the Post Office and the Spar shop rapidly ran out of cash. The local community office organised one of those stand-alone ATM-cum-phone boxes and now we hear that Barclays will close in a couple of months, so we'll be back to one ATM again. The nearest HSBC is a good 45minute drive away, and when Barclays closes it will be half an hour to the next nearest, which if HSBC is anything to go by will also close before long. I've banked with Halifax for years which means an hour's drive but as I do all my banking on line I've hardly ever been into a branch.

The old style bank manager is still alive and kicking in Walmington on Sea :).

DerekW
5th March 2019, 10:50 AM
I have long forecast each person being chipped (as in animal) this would be the key to access money (should it be needed) purchase of all goods and services. The business of carrying and counting money would become redundant.

Naughty Nigel
5th March 2019, 12:12 PM
I have long forecast each person being chipped (as in animal) this would be the key to access money (should it be needed) purchase of all goods and services. The business of carrying and counting money would become redundant.

We will probably have our foreheads barcoded at birth. Only criminals and those with massive chips on their shoulders will be exempted.

Otto
5th March 2019, 12:35 PM
Given the rate of change of technology, newborns' chips or barcodes will probably be unreadable by the time they reach adulthood!

TimP
5th March 2019, 01:29 PM
massive chips on their shoulders

Massive? Shoulders? Thatís gonna hurt surely!

Tram
5th March 2019, 01:49 PM
With great difficulty now Nat West have shut my local branch

Darkroom
5th March 2019, 04:40 PM
I might just try that as it would probably take our Council at least six weeks to pay the cheques in. *yes

Just rub the magnetic inked account and cheque numbers on the bottom of the cheque with a good magnet and it will take even longer !

It would then have to be processed manually as the automated systems would be unable to read the digits, gaining even more time for you *yes


Darkroom

Naughty Nigel
5th March 2019, 06:22 PM
Just rub the magnetic inked account and cheque numbers on the bottom of the cheque with a good magnet and it will take even longer !

It would then have to be processed manually as the automated systems would be unable to read the digits, gaining even more time for you *yes


Darkroom

Durham County Council's accounts department would probably put the cheque in their 'too difficult' tray, but it wouldn't stop them from posting out expensive final demands and threats of court action. :rolleyes:

Edit: Come to think of it, they have posted such demands for underpayments of two pence in the past, so no change there. :mad:


If the banks really wanted to save money they would send our statements in the same envelope rather than showering us with post every month. The DVLA now sends multiple vehicle tax reminders [to registered keepers] in the same envelope if payments fall due at the same time so why can't the banks?

Wee man
6th March 2019, 07:59 AM
I have always been close to a cashless society.
I just did not have any money!

Our local Ulster Bank branch closed ( now a Gregs) they send a mobile bank van one morning a week to a local car park.
First Trust and Credit Union are the only banks in town there used to be five, the next town is also down to one branch.

Ed

Sent from my SM-G930F using Tapatalk

TimP
6th March 2019, 08:17 AM
First Trust and Credit Union are the only banks in town

I have truly never heard of either of them! Us southerners eh!

DerekW
6th March 2019, 08:40 AM
check your geography please

TimP
6th March 2019, 09:32 AM
So Norn Iron have totally different banks then? How does that work?

DerekW
6th March 2019, 09:38 AM
no England has different banks

Otto
6th March 2019, 12:22 PM
As does Scotland.

TimP
6th March 2019, 01:46 PM
Didn’t the Scottish one get billions from the gummint after it screwed up its finances? Can us ordinary people get help like that?

Otto
6th March 2019, 02:02 PM
Yes, it always struck me as odd that given the Scottish reputation for parsimony, that during the financial crash it was the Scottish banks that seemed to be in the most trouble!

Naughty Nigel
6th March 2019, 02:31 PM
I logged on to my MBNA card tis morning to download a statement, which I have always ben able to do despite receiving paper statements.

However, the flashy new website now prohibits any download unless you sign up to paperless statements. :(


Illegitimi. :mad:

wornish
6th March 2019, 02:42 PM
I logged on to my MBNA card tis morning to download a statement, which I have always ben able to do despite receiving paper statements.

However, the flashy new website now prohibits any download unless you sign up to paperless statements. :(


Illegitimi. :mad:

That's efficiency for you.

TimP
6th March 2019, 03:17 PM
Yes, it always struck me as odd that given the Scottish reputation for parsimony, that during the financial crash it was the Scottish banks that seemed to be in the most trouble!

Iím sure a lot of the Ďlostí money and then the bailout money went into peoples pockets along the way.

Naughty Nigel
6th March 2019, 04:46 PM
Iím sure a lot of the Ďlostí money and then the bailout money went into peoples pockets along the way.

Exactly the same happened with EU money assigned to countries such as Greece.

jdal
6th March 2019, 05:38 PM
Exactly the same happened with EU money assigned to countries such as Greece.

As I understand it, Euro rules mean that Euro banks can't be bailed out directly, so the Greek bailout money went vie Greece to bail out those Euro banks, mostly German, who had been recklessly lending to Greeks. The money they had been lending went, via ludicrous projects, into various business persons pockets. Same as over here and the USA. All a bit of a scam, really.

skids
6th March 2019, 05:56 PM
Been at least a year since I've written out a cheque and that was for a plumber who couldn't take a card payment and wasn't fussed if I payed cash or cheque.

The main danger of a full-on cashless system is banks introducing negative interest rates.

TimP
6th March 2019, 06:38 PM
Exactly the same happened with EU money assigned to countries such as Greece.

Iím convinced it happens in big infrastructure projects, things like HS2, as otherwise how do such things cost the many billions they do??
It canít all be down to p155 poor procurement!

DerekW
6th March 2019, 06:46 PM
Infrastructure projects always exceed the estimates because if an accurate forecast was made the project would not even start. So you have to half the realistic estimate and offer that as the project cost. You then have to ensure that you have got another job when the revised costs are revealed.

TimP
6th March 2019, 07:07 PM
Infrastructure projects always exceed the estimates because if an accurate forecast was made the project would not even start. So you have to half the realistic estimate and offer that as the project cost. You then have to ensure that you have got another job when the revised costs are revealed.

But these projects have colossal costs. I simply donít believe some of the numbers.

Internaut
6th March 2019, 09:43 PM
The same thing is happening here in my area of Cheshire with Lloyds Bank. They closed the branch in my nearest town Congleton two years ago meaning I had to go 10 miles to Sandbach if I wanted to put money in or a cheque. Then last December they changed that branch to a no counter service branch just somewhere you can go talk to them! Now the nearest one with counter service is in Crewe which is almost 20 miles from where I live.

Happened in the village where I used to work. One by one the bank branches told. In the end, the only cash machines Co-Op and Tesco. Pretty disasterous for older residents who donít have online banking. And the reasoning is always the same. No one used the branches that always seemed pretty busy whenever I walked by.

Naughty Nigel
6th March 2019, 10:19 PM
Happened in the village where I used to work. One by one the bank branches told. In the end, the only cash machines Co-Op and Tesco. Pretty disasterous for older residents who donít have online banking. And the reasoning is always the same. No one used the branches that always seemed pretty busy whenever I walked by.

Online banking? A report out this week says that all of the big High Street banks have problems with IT at least once a week preventing customers from accessing accounts and their money. Whenever this happens they suggest that customers visit their local branch ......

Naughty Nigel
6th March 2019, 10:24 PM
As I understand it, Euro rules mean that Euro banks can't be bailed out directly, so the Greek bailout money went vie Greece to bail out those Euro banks, mostly German, who had been recklessly lending to Greeks. The money they had been lending went, via ludicrous projects, into various business persons pockets. Same as over here and the USA. All a bit of a scam, really.

Similar things happened in Italy when the EU gave (IIRC) around Ä600,000,000 in aid after a big earthquake. The Mafia bought into the concrete industry in a big way, new motorways were built going nowhere, and thousands of houses were built on land that was uninhabitable owing to malarial mosquitos.

Otto
6th March 2019, 10:57 PM
Online banking? A report out this week says that all of the big High Street banks have problems with IT at least once a week preventing customers from accessing accounts and their money. Whenever this happens they suggest that customers visit their local branch ......

Well, in my many years of online banking with Barclays, Halifax and Santander I have never had an issue. Mind you itís hard to withdraw or deposit cash that way :).

Naughty Nigel
6th March 2019, 11:06 PM
Well, in my many years of online banking with Barclays, Halifax and Santander I have never had an issue. Mind you itís hard to withdraw or deposit cash that way :).

Some of the bigger IT problems have been reported in the News, along with mobile phone systems failures, but there are many hundreds of smaller failures that go unreported.


I often need to check the bank for incoming payments two or three times a day, and there have been many occasions when I have been unable to log in for no obvious reason. The system usually reports that it doesn't recognise my credentials, even though I have used the same credentials many times before, or it will simply report "system unavailable please try later".

Maybe Barclays needs to upgrade the 486 server in their basement to a Pentium based server, but that means capital investment which won't do anything for Bob Diamond's bonus. :rolleyes:

Internaut
7th March 2019, 06:20 AM
Some of the bigger IT problems have been reported in the News, along with mobile phone systems failures, but there are many hundreds of smaller failures that go unreported.


I often need to check the bank for incoming payments two or three times a day, and there have been many occasions when I have been unable to log in for no obvious reason. The system usually reports that it doesn't recognise my credentials, even though I have used the same credentials many times before, or it will simply report "system unavailable please try later".

Maybe Barclays needs to upgrade the 486 server in their basement to a Pentium based server, but that means capital investment which won't do anything for Bob Diamond's bonus. :rolleyes:

Well, capital investment plus perhaps re-employing some of the many UK IT staff that the banks got rid of.

Naughty Nigel
7th March 2019, 10:07 AM
Well, capital investment plus perhaps re-employing some of the many UK IT staff that the banks got rid of.

Some of those IT staff knew how the systems worked; and worked with very limited system resources. This knowledge is lost on the current generation of IT staff who seem to be completely out of their depth with anything beyond Windows Server.

Wee man
7th March 2019, 10:12 AM
Tim
Not only does Northern Ireland have differing Banks, these banks also produce their own bank notes.
They had plastic notes long before the English banks but their sterling notes are not accepted in other parts of the UK? I have to get Bank of England notes when I visit my family in Cheltenham!
A lot of our shops accept Euros (at exchange rate) over the counter.

We had Northern Bank ( infamous £29,000,000 raid) this was taken over by an Australian bank then taken over by a German Bank now called
Danske Bank.
We also have........
First Trust.
Allied Irish Bank.
Ulster Bank.
Credit Unions.
The Post Office.
Plus Halifax, Santander etc.
Most towns have ATMs.

Do not think we have Barclays.

So we are well banked over here.

Ed

Ps if I have my wallet with me to TPS I will show you Norn Ireland notes at the Monday meet if you are there.

Sent from my SM-G930F using Tapatalk

TimP
7th March 2019, 10:15 AM
Some of those IT staff knew how the systems worked; and worked with very limited system resources. This knowledge is lost on the current generation of IT staff who seem to be completely out of their depth with anything beyond Windows Server.

Not completely true in my experience but a few I know have little actual technical training and rely totally on Google.

OM USer
7th March 2019, 10:36 AM
...Not only does Northern Ireland have differing Banks, these banks also produce their own bank notes. They had plastic notes long before the English banks but their sterling notes are not accepted in other parts of the UK?

Ah, I was up in Newcastle Under Lyme (near Stoke On Trent) the other week and went into a shop that did not accept Irish Banknotes. I hadn't realised until then that there was a problem. I've usually found that most places with universities will accept sterling banknotes from any UK bank.

Otto
7th March 2019, 10:49 AM
Tim
Not only does Northern Ireland have differing Banks, these banks also produce their own bank notes.
They had plastic notes long before the English banks


The Isle of Man had plastic bank notes long before the UK too, and it still has a £1 note.

Naughty Nigel
7th March 2019, 02:53 PM
The Isle of Man had plastic bank notes long before the UK too, and it still has a £1 note.

The IOM had a plastic 50 pence note as well. I'm not sure if they still have them but they were certainly in regular use when I last visited a few years ago.

Otto
7th March 2019, 05:50 PM
Yes, I remember the 50p notes too, quite a novelty as our ten shilling notes were long gone by then!

Internaut
8th March 2019, 06:44 AM
Not completely true in my experience but a few I know have little actual technical training and rely totally on Google.

We all rely on Google (and Stack Overflow), these days. There's simply too much to know. Compared to ten or twenty years ago, we exist in a massively complex space. What worries me, with the up and coming generation of workers in tech, is the lack of design skills.

Naughty Nigel
8th March 2019, 08:18 AM
What worries me, with the up and coming generation of workers in tech, is the lack of design skills.

Presumably many of these skills have been exported to China and the Far
East where labour is cheap?

What happens if the Chinese spit their collective dummy out and withhold this technology from the West; as might happen over the current wrangling with Huawei?

TimP
8th March 2019, 08:33 AM
Can they afford to spit that dummy? Their economy is already in trouble and if you reduced the income from tech then they would surely be b*ggered.

Naughty Nigel
8th March 2019, 11:20 AM
Can they afford to spit that dummy? Their economy is already in trouble and if you reduced the income from tech then they would surely be b*ggered.

Logically you are right, but the Chinese don't see things the way we do.

Internaut
8th March 2019, 11:57 AM
Presumably many of these skills have been exported to China and the Far
East where labour is cheap?

What happens if the Chinese spit their collective dummy out and withhold this technology from the West; as might happen over the current wrangling with Huawei?

In my experience, they're not terribly creative. British and European graduates still at least have that advantage on their side.

wornish
8th March 2019, 12:01 PM
The Huawei issue is all driven by the USA (the NSA) insisting that existing network equipment providers provide them a back door key so they can listen to every conversation taking place in the world. For obvious reasons Huawei won't agree to that hence the made up stories to get them banned.

Naughty Nigel
8th March 2019, 12:06 PM
The Huawei issue is all driven by the USA (the NSA) insisting that existing network equipment providers provide them a back door key so they can listen to every conversation taking place in the world. For obvious reasons Huawei won't agree to that hence the made up stories to get them banned.

So where does Apple (and their refusal to provide the authorities with passwords to the iPhones of dead terrorists) fit into that theory?

Does making obscene amounts of money for massive American corporates on American soil come under different rules?

wornish
8th March 2019, 12:09 PM
So where does Apple (and their refusal to provide the authorities with passwords to the iPhones of dead terrorists) fit into that theory?

Does making obscene amounts of money for massive American corporates on American soil come under different rules?

Its the big network infrastructure providers who they target not the individual phones. Huawei is at the leading edge of this in this area. They are way ahead on 5G for example.

OM USer
8th March 2019, 02:16 PM
You never hear Uncle Sam moaning that the world's data is held on servers located in the good ol' USA. Now as soon as data (emails, tweets, payroll, bank clearing, pensions, telephone calls) for USA citizens might be uploaded and processed somewhere else (Europe, India, Asia) then they quickly start complaining.

Naughty Nigel
8th March 2019, 02:21 PM
You never hear Uncle Sam moaning that the world's data is held on servers located in the good ol' USA. Now as soon as data (emails, tweets, payroll, bank clearing, pensions, telephone calls) for USA citizens might be uploaded and processed somewhere else (Europe, India, Asia) then they quickly start complaining.

Indeed. And isn't Facebook American? :rolleyes:

I suspect the problem is that the majority of Americans have never left American soil and have a poor understanding of geography, which leaves them deeply suspicious of 'us'.

TimP
8th March 2019, 03:25 PM
Indeed. And isn't Facebook American? :rolleyes:

I suspect the problem is that the majority of Americans have never left American soil and have a poor understanding of geography, which leaves them deeply suspicious of 'us'.

So very true! We met a large number of well travelled, well educated Americans over the past couple of weeks and nearly all of them apologised for Trump, those that didnít actually apologise all slammed his presidency. I suspect they were all democrats.

Naughty Nigel
15th March 2019, 06:03 PM
Back to the subject of banks; we have collectively received seven separate letters from Barclays Bank today informing us that their branch at Billingham will close on 29 June.

They acknowledge that we have paid money into the accounts in question over recent months but maintain that the branch is under-used 'because there are other ways of banking' and must therefore close. We have been using this branch because our own branch closed last year along with several others in the area.

I would question their claims about lack of use because there is always a queue whenever we visit, but presumably the bean counters have not visited the branches concerned.

We will now have no option but to use one of the few remaining branches in bigger towns, which will entail walking some distance from car parks to town centres with large amounts of cash on occasions. Bright idea that. :mad:

It does occur to me that they could save money by only sending one letter to each household rather than seven, especially given that, so I am told, banks charge a lot of money for sending letters.

Surely it would be possible for several banks to share a branch for day-to-day banking needs rather than just closing branches altogether?

Jax
15th March 2019, 06:09 PM
Indeed. And isn't Facebook American? :rolleyes:

I suspect the problem is that the majority of Americans have never left American soil and have a poor understanding of geography, which leaves them deeply suspicious of 'us'.

On a trip to Chicago a few years ago I was asked on more than one occasion "Just exactly where is England located ?" I was also asked several times if I had met Charles :)

Jax

Naughty Nigel
15th March 2019, 06:14 PM
On a trip to Chicago a few years ago I was asked on more than one occasion "Just exactly where is England located ?" I was also asked several times if I had met Charles :)

Jax

I have been asked if 'Engerland is in You-rope' by several Americans when I have spoken to them on the phone.

I do hope these guys aren't programming American cruise missiles. :rolleyes:

There again, my father always said that when he was in the Army they feared American bombers more than the Germans because 'at least you knew what the Germans were aiming for'. *yes

Otto
15th March 2019, 07:11 PM
I spent well over an hour this afternoon attempting to set up online banking for my elderly sister. HSBC must have the most absurdly complicated process of any bank to do this. Last week we tried to set it up and because she doesn't have a smartphone we had to request a "secure key" in the post. This turned out to be a flimsy device with a keypad which generates secure codes. That is after you've come up with a username, two security questions, a password and a secure code. The "secure key" requires a PIN, and it's tiny keyboard and display would be very tricky for an elderly person to use. Anyway, the process failed on her ancient computer. Luckily I had my iPad with me so we tried on that and eventually managed to set up the online access. All she wanted to do was to move some money from her current account to her online savings account at the Post Office - but the nearest HSBC branch is now at least 45 minutes drive away. In retrospect we could have driven there, done the transfer and driven back again in the time it took to set up the online system! To do the online transfer we had to set up the PO as a new payee, which involved using the silly key again to generate a security number. Honestly, I have never come across such a user-vicious online banking system!

Keith-369
15th March 2019, 08:54 PM
My wife set up an on-line account with Lloyds bank, sorted all the passwords, security questions and the rest of the palaver (it was a higher interest account for 1 year) and it was all accepted with no questions so she then put in the money and all was well.

The year passed and, not surprisingly, at the end of the year the interest went down. "Not good'', said the wife and got on-line to take out the money in order to close the account.

Not a chance! After answering all the questions, passwords and what she had for lunch she was refused and told we had to go to our local(???) branch with a passport and other proof so that they knew she was who she said.

Now, I know she could have had a nasty trader threatening her, or a masked bandit holding a gun to her head or even me wanting cash for some photo gear but all she wanted to do was transfer the money out of the Lloyds account into the bank account it came out of originally!!!

Why the h£ll is it so easy to give them money but so damn hard to get our own money back again.

Bunch of bankers, (purposely misspelled), the lot of them.

Naughty Nigel
15th March 2019, 08:57 PM
I have an HSBC Secure Key thingummy for one of my accounts and would agree it is a crappy little thing!

Worse still, unlike the Barclays system you are only allowed one Secure Key, and you are not allowed to generate keys on a smartphone (just one mind you) unless you stop using the Secure Key.

HSBC have also started a voice recognition system where you have to say "my voice is my password". I wonder how well that will work when you have a cold, or the morning after the night before for that matter? :(

Naughty Nigel
15th March 2019, 09:00 PM
Bunch of bankers, (purposely misspelled), the lot of them.

A bunch of merchant bankers to use the rhyming slang. *yes

DerekW
15th March 2019, 11:36 PM
Back to the habits of Americans.

On several occasions in the US (mainly in the South West eg AZ, NM) I have been asked what language we speak at home in England.

TimP
16th March 2019, 08:30 AM
On the flip side to this, whilst in Baja, Mexico, we met some Americans from Alaska who asked where in the UK we were from. On replying ‘Dorset’ they said that we must know Lyme Regis and Durdle Door - so there are some well travelled, knowledgeable ones out there, despite Trump.

Jim Ford
19th March 2019, 09:42 AM
Back to the habits of Americans.

On several occasions in the US (mainly in the South West eg AZ, NM) I have been asked what language we speak at home in England.

You should have said 'Anglo Saxon'!

Jim

Jim Ford
9th April 2019, 06:38 PM
I was told of a money 'laundering' technique some years ago, and post it for interest. I've no idea if it works:

You visit a casino with the money and buy a load of chips. You then have a drink and 'swan' around for a bit and then go to the cashier and cash in the chips - getting a receipt. You then pay the money into the bank, and if there are any enquiries you can say that you won it gambling and produce the receipt!

Jim

On the BBC news this evening, it showed an item where an internet blackmailer who had made lots of money (millions?), making a transaction at a casino with lots off cash being counted out to him.

I wonder if he was 'laundering' the money he'd made as described above?

Jim

TimP
9th April 2019, 07:57 PM
and if he was, I wonder where he might have got the idea........