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Tizer
VIP Member


5150 Posts
Posted -  25/06/2010  :  09:59
I just love banks, don't you? They go out of their way to make life exciting and to make sure we are always wondering if our account will have been emptied by tomorrow morning. They spend a fortune launching `Chip & Pin' and trying to convince us that it is infallible and that any fraud on our card in future will be due to our failings, not theirs. They do us great favours like deciding, unilaterally, to get rid of cheques. They are so good to us I thought we should reward them with a thread devoted to their marvellous escapades. Let me start with this offering but please add your own experiences and comments...

We have received a letter from Santander (Abbey Nat to you and me) beginning "We are deligted to inform you..." which always sets alarm bells ringing, and ends "As Santander we will continue to offer innovative, great value products and are committed to delivering excellent service to our customers" which sets the sirens blaring.  What they are delighted to inform me is that they have upgraded (without consulting me) my Cheque Guarantee Card to a Visa Debit Card. But I don't want a Visa debit card, I don't need another card, it's just another thing to get stolen, lost or defrauded.

But there's a sting in the tail. They then tell me to destroy my cheque guarantee card by cutting it in half. OK, I think, the new card will be used for this instead. But no, lower down in the letter it says the new card cannot be used to guarantee cheques. I know that cheques are set to be phased out (unilaterally once again, by June 2011) but it looks like the banks have devised a great scam to deprive us of cheque guarantee cards so they can say that cheques are not much use. I use cheques a lot and I would prefer that they were not phased out, but then, hey, the banks are not there just for you and me, are they?

I notice that although the letter tells me to destroy the cheque card, nowhere does it say that I cannot continue to use it. So I'm going to use it for as long as possible. I advise everyone to do the same. The banks are just hoping we will all fall in line with their demands and destroy the cards immediately.


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frankwilk
Senior Member


3975 Posts
Posted - 11/02/2011 : 09:40
Go on Frank, break a habit and learn!

Here you go getting personal again well here is my answer

I do, but I am quite happy to say it's not from your cockeyed way of looking at the World.That's My Opinion 
Stanley from my perspective you fit the bill of          " you just don't know what you don't know "  The PM has it wrong, Oxfords dons have it wrong (they who want to up fees) The Banks have it Wrong, MPs everyone has it wrong. Then here you come Stanley charges onto the scene and fixes everything, well done Stanley.

Edited by - frankwilk on 11/02/2011 10:13:31 AM



Frank Wilkinson       Once Navy Always Navy Go to Top of Page
belle
VIP Member


6502 Posts
Posted - 11/02/2011 : 10:07
Watched the "10 oclock news live" (a satirical programme) last night, spoilt by childish use of profanity,  but very interesting to see current opinion, which very much agrees with the views on here, that the party in power is out of touch and out of date in their thinking. Frank, the Pm is right in his own world, it's just that whilst he was cloistered behind the walls of Eton etc, the world moved on..that's the trouble with using wealth to cushion you from the real world, it makes you out of touch.


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Tizer
VIP Member


5150 Posts
Posted - 11/02/2011 : 10:21
I almost resorted to profanity when I heard that Bob Diamond, boss of Barclays, is getting £9,000,000  bonus. Announced at the same time as his bank was hit by a big fine for "selling unsuitable investments" to elderly and vulnerable customers and just after he had told everyone it was time to stop the remorse over banks. Of course, Diamond claims his bank didn't get bailed out by our taxpayers' money as does HSBC, but the real story is that both banks were bailed out - they were owed vast sums by banks like RBS and they would have lost all that money if RBS and the like hadn't been bailed out.


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frankwilk
Senior Member


3975 Posts
Posted - 11/02/2011 : 10:28
Belle
That's your opinion which I profoundly disagree with, along with a very large number of people in this country. I watched QT last night and was amazed that they argued over Multi Culturism, did anyone else notice the audience was made up of  a majority of Non Whites

" it's just that whilst he was cloistered behind the walls of Eton etc "
That quite honestly is Pathetic it means nothing or says anything,except back to the class warfare stuggle !!!

Please what have we moved onto ??
We have spent  money we didn't have, and like anyone else we now have to pay it back, and it hurts , Alternative Please
" which very much agrees with the views on here" Pardon some of the views on here.



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belle
VIP Member


6502 Posts
Posted - 11/02/2011 : 10:45
What ever way you want to look at it Frank, the Tory view, your view, counts for less than half of the views of the voting public in this country. It is not a majority view.
I am not sure what your ref to QT has to do with my argument.


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frankwilk
Senior Member


3975 Posts
Posted - 11/02/2011 : 12:41
Belle
Paint it anyway you like but who formed the Goverment !!!!!! It certainly wasn't Labour or the Liberals in the Driving Seat.
The ref to QT wasn't to do with your arguement it should have been under a what caught your attention. 



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belle
VIP Member


6502 Posts
Posted - 11/02/2011 : 14:53
Don't want to hark back to the hundreds of people who were disenfranchised durng the elction mostly in traditional labour seats....for whatever reason...but had the election been re run, which it should have been, I do not think Charlie and the choclate factory would be in now!


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Stanley
Local Historian & Old Fart


36804 Posts
Posted - 12/02/2011 : 05:49
Frank, you asked what I would have done and I told you. My previous posts give evidence for the basis of my views. You might not like what I beleve but I'm afraid that's your problem, you asked me for it and I gave it. That's not being personal, it's a direct response asking for a counter-argument. Where is it?

" it's just that whilst he was cloistered behind the walls of Eton etc " That quite honestly is Pathetic it means nothing or says anything,except back to the class warfare stuggle !!! "

No Frank, it's not pathetic but a statement of fact. If you really believe that Eton, Westminster etc are good places to achieve an understanding of the conditions the mass of the working class live under you are sadly mistaken. Belle is quite right. You refer to the 'class warfare st[r]uggle' as though it no longer existed. Do you really believe that we live in an egalitarian, classless society? Do you believe that there is no difference between the life experience of the mass of the population and the privileged minority in government? Why do you think that Cameron needed a street fighter like Coulsdon to advise him?

I look at the vast majority of today's politcians, of all parties, and see a common type, moon faced professional politicians who have never done a day's work in their lives outside politics. Who have never experienced poverty or  the daily grind of holding a job down and supporting a family. They exist in a parallel universe, a different class and if you can't understand this there is little hope for you ever being able to make sense of our society.

If you took the trouble to read history and understand you would realise that the elements of modern government which we take for granted and are the keystones of the improvements the masses have seen in the last 100 years you will be see that they were all fought for and introduced into legislation by politicians who started their lives as workers, often trades union members. They fought their way up the ranks of class and reached the highest offices in the land and when they got there they didn't forget where they came from. Ernie Bevin was advocating joint industrial consultation instead of confrontation in 1920 this was why he was the best Minister of Labour we could have had in WW2 (Winston Churchill thought so and stated it in public many times.). Nye Bevan, though always a rebel masterminded the post WW2 housing programme and built council houses which are still regarded as the best standard we ever reached, he refused to drop standards of qualty for quantity, when Macmillan boasted of his success in housing he didn't mention that the floor area and other criteria had been savagely cut. Bevan went on to drive the NHS through against enormous opposition to give us the world's most effective social reform. None of these fundamental reforms originated on the playing fields of Eton, Belle is spot on. Now go out and find me one major reform that did. Over to you Frank!

Tiz, I share your view of Diamond et al (That Angela Knight gets me every time!!) I believe you are quite right, Barclay's benefited from the bail-out of the  other banks. So did HSBC but they have been slightly more circumspect.

Belle, not too sure who you are referring to. The people turned away from the polls? There is another group that suffered. I have long held that local government should be above national politics. Councillors should be assessed and voted for prely on their record. Many good Labour councillors lost their seats because of association with the government and this was bad for local democracy.


Stanley Challenger Graham




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panbiker
Senior Member


2300 Posts
Posted - 12/02/2011 : 11:01
I think Belle will be referring to the early closing of polling stations due to under staffing and mis management at the 2010 General Election. We did discuss this on the site during the post mortem phase. I am not sure but did'nt the courts find in favour of the electoral officers and cite the potential costs involved in re-running in those areas that were affected, something like that anyway. This article has a breakdown.


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belle
VIP Member


6502 Posts
Posted - 12/02/2011 : 13:13
Yes that's what I a refering to, it was discussed on here after the event, that's why i siad "don't want to hark back.." if the dabacle had happened in another country the press would have had a field day...especially as those disenfranchised were mainly in Liverpool and Sheffield, and the mishandling included locking out and locking in, so that some were given an advatage over others. Even if it was as innocent as mishandling hundreds of people were denied a vote, that is not democracy and the election should have been run again properly, I bet if the lockouts/ins had occured in Tory seats and they  had lost they would have been calling for a re run!


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frankwilk
Senior Member


3975 Posts
Posted - 12/02/2011 : 21:08
No Frank, it's not pathetic but a statement of fact. If you really believe that Eton, Westminster etc are good places to achieve an understanding of the conditions the mass of the working class live under you are sadly mistaken.

I think they teach them to read at Eton & Westminster ?? so like you say Stanley, they can read about it. You haven't experienced it either, you have just read about it, and then drawn your own conclusions !!!!
Could you envisage a Council with 50 Independants it would be chaos, you really do need to engage before you write !!!!!



Frank Wilkinson       Once Navy Always Navy Go to Top of Page
Bradders
Senior Member


1880 Posts
Posted - 12/02/2011 : 21:21
Easy there, Stanley ....!

I'll open the windows to limit the damage now ........

Edited by - Bradders on 12/02/2011 9:26:37 PM


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frankwilk
Senior Member


3975 Posts
Posted - 12/02/2011 : 22:23
Why Bradders what is wrong with my statement ?? I am told to read all the time, to get an understanding of the Past and History  !!!!!!



Frank Wilkinson       Once Navy Always Navy Go to Top of Page
Anni
Regular Member


634 Posts
Posted - 12/02/2011 : 23:15
Frank - I think your exclamation mark button is jamming LaughingLaughing Tip the keyboard upside down and let all the breadcrumbs and ash drop out (but make sure you hoover up so your better half doesn't moan) LaughingLaughing


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Stanley
Local Historian & Old Fart


36804 Posts
Posted - 13/02/2011 : 05:10
" You haven't experienced it either, you have just read about it"

And you evidenly know nothing about my life. Of course I have experienced it, in Spades! Go and read me memoirs then come back and apologise!  As for "engaging before I write" I think I take slightly more trouble over evidence and thought than you do. I think the boot's on the other foot.


Stanley Challenger Graham




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