Active discussions

Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

Talk
Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Original poster

banks force you to go on-line banking

26 replies

notamumbutfan · 03/02/2019 20:59

am fed up with banks/energy companies you name it forcing you to go online; banks close down left right center; they tell you to go on line; the best business/biggest business for criminals is cyber fraud - break into online bank accounts - when this happens banks wash their hands, latest is Santander branches closing!! anyone knows a bank that gives money back for shopping and decent rates for savers?

OP posts:
Original poster
notamumbutfan · 03/02/2019 21:04

washing machines: i have an ancient one that does 60c wash for just under 30 minutes!
Now due to EU regulations, the shortest 60 c is over 200 minutes that is over 3 hours!!!!!!!!!!!!!!!!!!!!!!!!!!!!
you save on what???????????????? not energy, the blasted machine runs for over 3 hours!!!!! what do I save????
bugs/bacteria is killed only at 60 or higher wash - so you wash at lower than that, you get all kinds of infections/ allergies that will then cost the NHS a packet. WHO IS WINNING? THE energy companies that make a packet out of all this!
ANYONE KNOWS OF washing machine that can wash at 60c and faaaaaaaaaaaaaaaast? like my old, third hand one that now leaking all over, still better than a new one?????????????????
HEEEEEEEEEEELP thank for anyone with any ideas.

OP posts:
cupcakesandglitter · 03/02/2019 21:08

I'm so sorry I can't help with your original question - but your passion for washing machines has cheered me up, thank you 😂😂

LovingLola · 03/02/2019 21:11

Now due to EU regulations, the shortest 60 c is over 200 minutes that is over 3 hours!!!!!!!!!!!!!!!!!!!!!!!!!!!!

My 2 month old Neff washing machine is currently on a 60 degree wash that will take 66 minutes.

LovingLola · 03/02/2019 21:12

Can you post a link to the relevant EU regulation?

AnchorDownDeepBreath · 03/02/2019 21:16

Neither of these have anything at all to do with EU regulations.

Banks going online is because they don't get enough footfall into branches for it to be worth the overheads to keep them open, generally.

Cyber fraud is rarely someone "hacking" bank accounts to "clear them out" - it's usually people using their cards on insecure sites or having their cards skimmed.

DustyDoorframes · 03/02/2019 21:18

You can have two out of three- fast, cheap, or good. Most modern machines take longer but use loads less power. When we got our new machine, our bills dropped even though it was a washer dryer rather than a washer.
Re banks- you want good interest rates and free money back on your shopping, and you wonder why branches are closing?

ivykaty44 · 03/02/2019 21:51

Spare a thought for the staff - they keep losing their jobs and have to find other employment

ivykaty44 · 03/02/2019 21:53

Dusty - interest rates are crap but not due to staffing levels. Interest rates are set by the Bank of England

HollowTalk · 03/02/2019 21:55

Oh god, I hope you didn't vote Leave on the basis of misinformation about your washing machine!

missmouse101 · 03/02/2019 21:58

It's the bank staff themselves who are continually pushing you to do online banking. Confused

DustyDoorframes · 03/02/2019 22:39

Ivy it's a commercial decision for the bank too, how much above or below the base rate they pitch things though.

Buggerbuggerbuggerargh · 03/02/2019 22:40

What have banks got to do with washing machines?!

Brahumbug · 04/02/2019 12:10

The biggest contributor to low interest rates in recent years has been quantative easing by the bank of England, rather than the bank rate itself.

ItsAllGone19 · 04/02/2019 12:25

It's the bank staff themselves who are continually pushing you to do online banking.

Because they're targeted. They will lose their job if they don't promote online/push you to use automated services in the full knowledge that it will also eventually cost them their job. It's Catch 22 at it's finest and the banks know the employees have to abide or leave thereby reducing the amount of money they have to pay in redundancy

The cyber revolution is costing people jobs in exactly the same way as the industrial revolution did, the trick is trying to find jobs that are immune to automation which are very few now. Call centres are exactly the same. The employees don't want to promote the use of 'bots' or online services but they are heavily penalised/sacked if they don't.

Original poster
notamumbutfan · 04/02/2019 18:33

correct! thanks

OP posts:
Original poster
notamumbutfan · 04/02/2019 18:34

that is right, thank you

OP posts:
Original poster
notamumbutfan · 04/02/2019 18:37

DustyDoorframes - thank you, I shall check it out - thanks for the tip.

OP posts:
Original poster
notamumbutfan · 04/02/2019 18:41

LovingLola : when I went in search of a new one this is what I was told; here is a link to a brilliant company that knows who makes what and what is the bet white good to buy - they told me the same and wished me luck to find one that does 60c in half hour! then had a chuckle!
www.ukwhitegoods.co.uk/help/about-the-appliance-industry/manufacturer-information/
they have been very helpful in the past in several issues, so in utter desperation contacted them even though they are at the other end of country!

OP posts:
Original poster
notamumbutfan · 04/02/2019 18:51

ivykaty44, Brahumbug, correct on all points; thank you both;
DustyDoorframes - banks are using my money to invest with better returns, (i.e. mortgages) - they do not need to force their staff to push online banking, forcing us to be sitting ducks for the criminals.
Banks more than can afford to pay out interest rates/payback - also from the high loan-rates they charge.
Buggerbuggerbuggerargh: not much other money laundering! - joke apart, you connected 2 sep issues that bug me lately
AnchorDownDeepBreath - in this particular branch I often had to queue outside to be able to get in - so this was not the reason, even though the CEO (I wrote to) claimed the same. Last time a huge line of people all complaining about the very same thing - staff almost in tears loosing their job (contrary to what the letter from above CEO said)
thank you for writing

OP posts:
Original poster
notamumbutfan · 04/02/2019 18:53

cupcakesandglitter: thank you; even if I do not manage to find a good/new one at least I made someone happy! thanks!

OP posts:
Original poster
notamumbutfan · 04/02/2019 19:08

LovingLola - thanks for the tip - I found zillions of models, which one is yours? I need freestanding ( it goes into utility) thank you

OP posts:
billybullshitterz1 · 04/02/2019 19:16

Two threads in one. Brilliant Grin

Original poster
notamumbutfan · 04/02/2019 19:21

LovingLola = check out these links re energy savings; not having to heat water to 60c only to 30 or 40 certainly saves energy - but will not kill dust mites,skin mites, etc......
www.emissions-euets.com/directive-201227eu-of-the-european-parliament-and-of-the-council-of-25-october-2012-on-energy-efficiency
ec.europa.eu/energy/en/topics/energy-efficiency/energy-efficiency-directive
www.wto.org/english/tratop_e/tbt_e/3EU_1_e.pdf

OP posts:
Oliversmumsarmy · 04/02/2019 19:32

I prefer on line banking.

My only issue is I have just opened an account with an online bank. Supposed to be quick and easy but it has taken over a month because they don’t have a branch to go in they have to send everything snail mail.

Also thought if you needed a calculator thing to operate on line banking then they would have sent it to you without having to go and request it just as you think you have set everything up.
Another 10 days wasted.

I don’t know what they are called but dd opened a bank account recently and ended up closing it because she couldn’t operate the thing. Every time she needed to do anything she had to go to a branch for them to do it for her. Finally someone st the branch realised that it wasn’t working but by that time she had opened another account that didn’t need one

I don’t know what would happen if this thing they have sent me has a glitch because I can’t just go into a bank to sort it as they don’t have a branch.

BarbaraofSevillle · 05/02/2019 09:55

ANYONE KNOWS OF washing machine that can wash at 60c and faaaaaaaaaaaaaaaast

Plenty of them do, but you'll probably find that, counterintuitively, the shorter cycles use more energy because they agitate the washing instead of it just sitting there in hot water for hours.

But do people really wash at 60 these days? I thought it was unnecessary, or even counterproductive, as modern detergents are designed to work at 30/40 C