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  1. #1
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    The great deception ?

    My moan of the month,

    Like many of us who travel,buy tickets online use foreign ATMs have you noticed there are two speeds.

    Customer service speed aka PISS POOR
    When you transfer your own funds to yourself ofetn 2-5 WORKING days even between advacned English speaking realms Sydney to ING in Hawaai r Ireland to England etc

    Fron 3rd world or to smaller savings loans etc many days/moons

    BANKSTER SPEED
    Almost speed of friggin light

    Since my bank now offers a text alert I found the real speed of deals is faster than I can type.

    We all know a visa or mastercard/amex/jbc card debit is quick
    You use that ATM ,swipe your card at the duty free etc and Bingo its gone
    The delays online is not verifying your card its the system at Amazon .Air Asia or Ebay and no doubt Langley keep us all tracked.


    So cash can whizz out electronically in under a second but when you need a re-credit days

    Of course this how these fatcats graze off all of us and why crypro currency is a threat,they've broken confidence in BITCOIN and any serious rival will be bought out or crushed but digital looks like the future .It'll be at risk from a pulse cased by war or solar flare which could stop transactions.
    For these emergencies a few groats and some surplus labour aka kids maybe your finest investment (terms and end of term bonuses may apply)
    I used to have a job at a calendar factory.
    I got the sack because
    I took a couple of days off.

  2. #2
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  3. #3
    disturbance in the Turnip baldrick's Avatar
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    Quote Originally Posted by david44
    So cash can whizz out electronically in under a second but when you need a re-credit days
    yes - and all the banks practice the same scams

    we will effect your transfer at the end of the working day and then charge you 100 dollars for our great service - please understand it will take 3 working days to leave our bank

  4. #4
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    howver as there's little real competition and sod all I can do Ill chill,do you have a cunning plan<i've actually found Thai Banks no worse than Oz and better than Irish


  5. #5
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    Hows this for a scam. transferred 500k to LOS and delay as wrong account number, not my fault. When put in my ac they gave me the lower rate on the day they had received it.
    Transferred a much larger amount, another delay but this time they gave me the lower rate the day they put it in the account, the opposite of the first time. Loss of 40k, no amount of asking for an explanation got anywhere, they were not even interested in trying to find where the money was and gave the phone to the mrs to sort out with HQ.

  6. #6
    Lord of Swine
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    dbl post..
    Last edited by Necron99; 08-05-2014 at 12:53 PM.

  7. #7
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    hooter's Avatar
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    You know the answer.

    Have I got your interest yet?

  8. #8
    Lord of Swine
    Necron99's Avatar
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    Credit cards work on a proprietary networks (visa/mc).
    As do ATMs (several linked networks)
    Those networks have been driven by their own needs to instant processing.
    Bank transfers work on the SWIFT/IBAN systems which are batch processed, and so take a day or so. WESTPAC to Kassikorn is next day.

  9. #9
    Lord of Swine
    Necron99's Avatar
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    No idea what the hell is going in up there??? ^^^^

  10. #10
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    Quote Originally Posted by Necron99 View Post
    Bank transfers work on the SWIFT/IBAN systems which are batch processed.
    They do indeed, but David's gripe is that the 'system' always favours the bank, which it does.

    He who holds the coinage too the last millisecond is the winner and that is without taking fees into consideration.

  11. #11
    Lord of Swine
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    Quote Originally Posted by hooter View Post
    Quote Originally Posted by Necron99 View Post
    Bank transfers work on the SWIFT/IBAN systems which are batch processed.
    They do indeed, but David's gripe is that the 'system' always favours the bank, which it does.

    He who holds the coinage too the last millisecond is the winner and that is without taking fees into consideration.

    Banks are a business, not a service. Why would you expect them to operate against their interests?
    Shops don't sell at cost or below, well, except for indian rug merchants who are always selling below cost in their liquidation sales......terrible model that one...

  12. #12
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    ^ Tell that to David mate.

    Mr fucking Kee-neow.

  13. #13
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    Quote Originally Posted by hooter View Post
    You know the answer.

    Have I got your interest yet?
    Re-posted for prosperity.

  14. #14
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    Thank you ,I've been invited to ruggery thread but I think I'll do a runner.

  15. #15
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    ^Have a Barclays instead and release some pressure.

  16. #16
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    Quote Originally Posted by hooter View Post
    ^Have a Barclays instead and release some pressure.
    Caused an earthquake last time, I'll take alight refrain, thinking about guded meditation or self morification so have applied for a Man Utd season ticket

  17. #17
    Gohills flip-flops wearer
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    Quote Originally Posted by david44
    so have applied for a Man Utd season ticket
    You are one sick bastard.

  18. #18
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    Smile

    Quote Originally Posted by withnallstoke View Post
    Quote Originally Posted by david44
    so have applied for a Man Utd season ticket
    You are one sick bastard.
    my application was declined as I had a GCSE grade 6 in glazing

    I was offered a box at The Brittania Stadium behind you but lacking a gas mask I declined.

    For my penance I'm planning to confess my perversions at the special clinic to Dr STS live in London,if you still have the gential warts collection hand me a sealed enevelope at Swampy and I'll slip em in my diplomatic sporran.

  19. #19
    disturbance in the Turnip baldrick's Avatar
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    all the oz banks have been announcing record profits this week

    but

    Quote Originally Posted by hooter
    Have a Barclays
    British bank Barclays announces plans to axe 19,000 jobs

    Chief executive Antony Jenkins, in his second strategic review since taking over as CEO in 2012, will cut 19,000 jobs in the next three years - 7,000 of them at the investment bank - and park 400 billion pounds ($723 billion) of assets in a new "bad bank".
    British bank Barclays announces plans to axe 19,000 jobs - Australia Network News (Australian Broadcasting Corporation)

  20. #20
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    speaking of record profits, that classic floyd 70s anthem


  21. #21
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    Gotta love the the NAB web site...."More Give Less Take"..been with 'em for 20+ years....forgot to pay visa account for 40 odd bucks..was trying to book a flight on line..rejected card..phoned 'em and they tell me they use a collection agency and they had blocked my cards.....went ape shit ....to no avail of course....

  22. #22
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    Write to CEO

    they sent me $100 ex gratia payment for declining my card on holiday ,despite the fact I had notified on internal eMAil in advance.

    It was unconditional but as it covered my Hotel Bill I'll let em off.
    Compared to St George The Newcatel Permanent and ANZ I've found their service suprior to awful fees and service from Irish French and UK banks

  23. #23
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    I guess my hundred bucks was HennyPenny feed, as todyas smh story shows


    An Australian Bureau of Statistics staffer and a NAB employee have been arrested on insider trading and corruption charges over allegations they made $7 million by trading on market sensitive information on the Australian dollar.

    The Australian Federal Police said a 24-year-old ABS man allegedly gave his 26-year-old friend at NAB market sensitive information before it was released publicly by the ABS.

    They allege his friend then took the information to trade on the foreign exchange derivatives market.

  24. #24
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    Bump

    David have you transfered me my dough on the Columbian deal?

    If not, this may be of interest.

    https://transferwise.com

    Invested in by Sir Dicky Branson and promising big savings.

    Go on knock yersell out and make that transfer.

  25. #25
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    Check HiFX out.

    https://www.hifxonline.com.au/Paymen...loggedout=true

    I have no complaints.

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