TSB chaos this morning
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- Опубліковано 9 жов 2024
- and the failure of banking in britain
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I've suffered with this today only wanted to know my balance
I see the TSB app is currently not working. A few years back their system collapsed. They seem to be serial bunglers.
Maybe time to move elsewhere.
About 10 years ago I moved over to TSB... My 1st ever transaction with it (for a second hand desk lamp at a charity shop) got blocked as an "unexpected purchase" 🤣 luckily at the time my branch was right next door so I could just walk in there with my passport and proof of address... Sadly that branch is closed now
It's either we invest OR get rid of the Electoral College and let us the People of the United States of America choose our own leaders!
whomsoever created the Electorate College was a whimp, certainly. Haha just cash $107k from crypto 💯
It would require a constitutional amendment, so it's more something to work towards than something likely to happen any time soon I will invest for the tomorrow.
Which unfortunately takes 2/3 of congressional support in each state in order to enact
@@amirmaner I agree get rid of electoral college, how do crypto work pls?
RIGHT!
Vote ALL Republicans out of office NOW and FOREVER!
Bye-Bye
Service is becoming a very rare thing these days. Recent dealings with my (very very expensive)dentist , or at least with army of stoney faced warriors at reception, has been unbelievable. I am still reeling from the experience. I find I am doing all the smiling like a weak animal in the jungle. What is happening?
They think because TSB is their job, they also think it should be our job too. 😂
TSB, known as the Trustee Savings Bank till Thatcher sold it out from under the Trustees. I have boycotted it from that moment.
I bank with Building Societies as there is so little grief.
A fair point.
welcome to the control of digital money
A thing to remember is that TSB effectively ceased to exist as a bank in 1995 when it merged with Lloyds. It was then forcibly de-merged back in 2009 during the great banking car-crash. As a bank, then, it is rather new and un-tried.
Computers are the real problem. The more technology 'advances' (?) the more difficult everyday life becomes. (Don't get me stared on call centres, I'll blow a fuse🤯🤨)
And robot/AI assistants.
TSB and other banks are in a panic since robust new legislation has come into force protecting consumers against scams. Banks will now bend over backwards 'to prevent fraud' even when it's totally legitimate customer activity
If there is anything that banks that were bailed out in 2008 learnt from that particular episode it is that the only possible way to exist is to put their customers first, and that greed doesn't pay. Isn't it so...?
Online Banking is not safe.
Frustrating and inefficient.
Really?
I've had online banking since it first came out. Never had any issues at all.
Cash will always be better than any plastic debt cards
100% I've gone back to cash :)
@@VectorTracker - never use it, disgusting, dirty, easy to lose and have stolen and inconvenient. Hate it 🧐Almost exclusively use my Apple Watch, with four attached cards. Secure, convenient and safe. All my tramnsactions are automatiocally reported to me through an App that informs me of my progress agaisnt budget.
i stopped living in the 18th century a decade ago when i was 60!
@@VectorTracker Whenever possible I use cash and will continue to do so.
Agreed! Take a good chunk of your money out and start using cash!
If I use it in a new shop I have never used before
Like you, Prof, I've had these embarrassing moments when a card transaction does not,er,transact. I now use cash as much as possible. Foolproof solution? No! I was in a Tesco express and the self service machine thingy said "Card Only" and "this machine does not issue receipts". If my card had been declined I would have just left my attempted shopping for them to unpack. Some bars in Glasgow are cash only and some are card only. Its so frustrating that I can't think of a satisfactory way of avoiding confrontation with my bank that I can't think of a satisfactory way to end this comment....(fade....)
Computer says nooooo, personal banking is so impersonal.🤔
The fist bank account that i opened was with TSB and they didn't make the process easy.
Then years later they became Lloyds/TSB and a few more years later split up again.
They chose who you stayed with, i was allocated to Lloyds and i have had my share of issues with them.
Banks are there to make a profit, customers are just a means of doing that.
I now bank with Nationwide who also have many instances of service issues, you just can't win.
Easy solution - Gold hoop earrings, like the pirates of old🎉🎉🎉🎉🎉🎉🎉
I have some sympathy for the banks - folk will criticise the anti fraud measures until they are the victim of a real fraud. The key as you point out is having effective resolution procedures in place when payments are declined
Thanks Prof Tim. We are with tsb. We used debit card but cant get on the app.
Sounds like cash trouble for the bank. Suddenly, deposited checks usually will take 10 days to clear funds. It's a hold cash tatic.
The computer said No
Change your bank !
It proves one thing cash is all ways king.
I no longer bank with bank in question, jumped ship to Barclays top notch security but with a sensible approach' quickly contactable, all in all a very pleasant experience.
TSB is the canary in the coal mine.
In what sense!?
Never had a problem with TSB.
Same here but I don't bank with them.
@@paulwilson7234 Nice
Only one account and that's TSB. Got no other money - cash etc.Wanted to take my wife out for her birthday but can't access my account. Stuck at home.
the guy in front of me at the cash point this morning couldn't get his card to work, mine was fine though
😂😂😂😂😂Shadenfeude😂😂😂😂😂😂
I find with TSB is very much depends on the branch ... my branch sorts out every issue I've had very quickly. Of course when it comes to blocking and computer problems I don't trust any bank and nor should anyone!
Totally agree last year spent two hours in a branch
You need to make use of the 7 day switching guarantee and get the hell out of there! I haven’t banked with any of the big 4 or their subsidiaries in decades.
Contender Banks tend to be more innovative technologically and get stuff done so much faster.
It’s unfortunately inevitable that we’ll see less high street presence from the Banks & BS’s as people do more online. You need a Bank where you can pay in and withdraw from the PO as there are thousands of their branches!
Good luck!
I think banks treat us badly because they know how unlikly we are to change banks. I bank with my bank because that's where my parents banked. My father banked there because his father banked there. And he, my grandfather banked there because they took over the bank where he bsnked. And he banked there becsuse they were the only bank who'd take the custom of a Jewish imergrant in around 1900. So amazingly unlikely to change banks however unhelpful they are and they know it.
I think the business schools in the UK are teaching some very duff stuff. I myself have never been to a business school, but I can infer what they teach from those they do teach. In recent years I have become fascinated by how the Chinese conduct business. It is an entirely different paradigm. In the Chinese scool of business, imagine an imaginary company board of directors, and one of those directors is not a person,. but what is referred to as "the customer". Whatever the decison being made is, it is this director who has absolute veto. All the other directors implicitly ackonowledge that none of us would be here today if it were not for the good will of their customers. So it is a case of what would the customer most like and then it is a matter of can we do it and can we do it cheaper than all the other firms competing for this guy's custom. Banks are no exception. There are thousands of banks one can choose to open an account with.
A point about ID. Have you ever clicked on the 'i'm not a robot' and wondered how it works? It's a clever bit of tech where the movements your hand makes are complicated and idiosycratic to a human brain if analised on the pixel level. Feed the x,y coordiantes to an AI network and the AI will learn all the complicated intacies of it. It make sit hard to forge. Likewise if one links and AI to a video of your face, then that would be hard to forge as well. This is how thier airports work over there. The computers know who you are by looking at you.
Take pity on us, in Ireland we have a Permanent TSB! having said that I have not experienced your problems. We have other problems where they decide that the fact that we have refused to make any transactions on savings accounts means that we have obviously abandoned them! Then we need to go through the process of proving who are.
Get an account with Starling.
The biggest bottle neck, is network latency. Too many access requests not enough capacity. It’s an econmic balance🎉🎉🎉🎉🎉🎉
Gotta get your timing right. Before 8 am or after about 10 am
Truelly Silly Bank..running on windows 98 D.O.S.
What about pin number insert card sometimes have to insertycard
You make the mistake of thinking that, once you pay money into a bank account that you retain some sort of legal right to it. It belongs to the shareholder and don't you forket it🙂
I have had similar problems with my bank. I have, in all fairness, found the staff helpful, it is just that they have to jump though as many hoops as the customer.
thisnis why shoud do your due diligence with bitcoin, and you only bitcoin. dump the banks.
Ah ha an edited version! Very good but without the gritty realism of the original! Keep up the good work 😂👍
'Outrageous' ha ha ha oh I'm sorry Professor that made me laugh remembering an Outrageous moment I had on the phone about 12mts ago with a pharmacist who gave me some blythe remark how some meds were omitted; though my fault for not checking my phone went into the river: luckily I had a spare and just as useless?
Have a nice day sun shining spitting invisible indogorial aurorae! {/}
"Comedy of errors". I think you mean tragedy of errors.
Goodmorning from the US ❤
Do you have credit unions in the UK ? That would be my preference, although "Cash is king" - that's why as a system cash has lasted for so long. Beware the CBDC, the plan is to implement this universal, digital control by next year.
Possibly a few, but it's not a big thing here.
Were you speaking to a Customer Retention Executive or a Service Optimisation Consultant? Or perhaps both?
You could ask to speak to a Customer Unauthenticated Negativity Technician, who can pass you onto a Junior Information Systems Manager, who in turn will refer you to the Customer Resources Admin Person.....
serving AI
😂😂