Marple Website Community Calendar
Archive => Archived Boards => Local Issues => Topic started by: amazon on May 01, 2018, 05:07:16 PM
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The Marple Branch R B S survives the latest cuts but stockport Underbank closes as does Hyde .
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Poor old Stockport. M&S, RBS, what next?
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Not escaped the next round of cuts though. RBS Marple to now close in January 2019.
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Also the branches in Hazel Grove and Romiley. The latter will now have no banks at all.
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Doesn't the fault lay with us all who use on line banking. Quicker easier safer.
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Doesn't the fault lay with us all who use on line banking. Quicker easier safer.
Pretty much yes. I am not a massive visitor to my bank.
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The banks need to come up with more radical thinking if they are to retain a foothold in local communities. Banks operating from the same building a sort of bank heath centre or staff visiting customers at home would be another but to try and set your face against the reality of Internet banking and our preference for is is just a waste of time.
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I seem to recall a few years ago seeing a NWB mobile banking unit in various outlying villages which visited one day a week to each village. I think I saw this when on holiday somewhere down south, can't remember where. maybe the banks could get something sorted where they did the same but a combined vehicle covering the missing branches. The RBS and NWB could do one and park it say in the car park at the Memorial Park one day a week for a trial period to see if it was successful?
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You can do basic banking for most banks at the post office:
https://www.postoffice.co.uk/branch-banking-services
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The problem with branch closures is - for me anyway - that you lose the ability to do the uncommon tasks face to face. The basic functions can be done at the Post Office, yes. But opening accounts can be trickier, and you don't have a human to talk to face to face when things go wrong.
The two things that drove me into a branch recently we're opening an account for my son (impossible to do all the steps online) and resolving a problem with a missing replacement debit card (which seemed to go very wrong.)
Yes I could have done the latter via the call centre but I have never used telephone banking, have no idea what my security details are, and so on.
That's the kind of problem to resolve
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From a personal perspective I think it’s a real shame, I’ve been with RBS for over 30 years as I like this idea of local branches. Of course things progress over years but not everyone wants to use digital banking, the hacking of thousands of British Airways accounts over the last couple of days can justify security concerns to many I am sure.
I’ve contacted the RBS (on Wednesday) and asked for what they propose as a solution to more closures especially for those who are concerned about moving banks or don’t want to go digital. At the last round of closures they suggested other local branches but these are going now. I am hoping for a reply soon and will update when one arrives.
Kind regards
Steve
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It should be said that changing your current account now is ridiculously easy and very quick.
The switching process means the banks move all your payments and direct debits over and set things up for you in just seven days. They'll even move your salary and other regular payments over for you. The process is explained at
https://www.currentaccountswitch.co.uk/howtoswitch/Pages/How.aspx#next
If you want a current account with a branch in Marple, I'd suggest the Nationwide. Nationwide are about the only current account providers in the area committed to maintaining their branch network. As a customer of the Nationwide myself, I can tell you the branch staff in Marple are very friendly and helpful.
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The lib dems have a petition to try save the Rbs marple which is closing in jan ,anyone interestd trying to save this branch may want to sign it .
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I can second the recommendation for Nationwide. Good opening hours and friendly staff. Some accounts with reasonable interest rates. . I think their Recommend a Friend offer still applies:
https://www.nationwide.co.uk/products/current-accounts/our-current-accounts/recommend-a-friend-tab (https://www.nationwide.co.uk/products/current-accounts/our-current-accounts/recommend-a-friend-tab)
I moved when Natwest closed. Their response to my criticism of the closure was "everyone banks online". Partly true, but there are plenty of times when human contact is needed; opening new accounts for children, mortgage application, security issues... Or if you want an online-only bank choose one with a decent interest rate. As Andrewbowden said, switching is easy.
RBS is only interested in maximising its profit. Vote with your feet!
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You can do basic banking for most banks at the post office:
https://www.postoffice.co.uk/branch-banking-services
yes but thats no good if you require a lot of bags of coins .
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You can do basic banking for most banks at the post office:
https://www.postoffice.co.uk/branch-banking-services
If you deposit a cheque at the PO you don't get much of a guarantee against it going astray. You get a receipt that you deposited something - but no record of the value. I would not be happy depositing a large cheque via the PO (Not something that happens often..)
In my opinion it's an inferior service.
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The Nationwide does enjoy a good reputation but unfortunately does not, I understand, offer accounts for charities and other community groups. A lot of people pay subscriptions by cheque. The depositing of multiple cheques is not easy via the Post Office. Just curious where will the nearest RBS be following the string of local closures - Manchester
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The Nationwide does enjoy a good reputation but unfortunately does not, I understand, offer accounts for charities and other community groups.
..but the Vernon does albeit not one with a cheque account attached
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Does anyone use cheques anymore.
Here have this bit of paper with all my bank details on it oh and have my signature for good measure...... and people say on line banking is insecure.
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Does anyone use cheques anymore.
Here have this bit of paper with all my bank details on it oh and have my signature for good measure...... and people say on line banking is insecure.
I used one to pay the builder recently.
I very rarely use them but equally there are risks when setting up new payees on online banking.
At least with a cheque you know the money won't go to someone it is not supposed to.
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The Nationwide does enjoy a good reputation but unfortunately does not, I understand, offer accounts for charities and other community groups. A lot of people pay subscriptions by cheque. The depositing of multiple cheques is not easy via the Post Office. Just curious where will the nearest RBS be following the string of local closures - Manchester
yes Stockports gone or going .none in Hyde .
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At least with a cheque you know the money won't go to someone it is not supposed to.
Well, not really.
I (and two others) signed cheques on an account that I wasn't a signatory on for 3 years. We only found out when we went to change the signatories again, and found out the previous mandate hadn't been processed! Apparently they only check the signatures against their records if the cheque is over an unspecified value (which they wouldn't disclose for "security reasons", hah!) or if they have other reasons to suspect suspicious or fraudulent activity on your account. And there are numerous stories about banks paying cheques into accounts other than the one that they've been made payable to, as they don't properly check the details on a cheque.
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The Nationwide does enjoy a good reputation but unfortunately does not, I understand, offer accounts for charities and other community groups. A lot of people pay subscriptions by cheque. The depositing of multiple cheques is not easy via the Post Office. Just curious where will the nearest RBS be following the string of local closures - Manchester
Friends of Memorial Park will have to move our account elsewhere - I was going to check out Nationwide to see if they do "Treasurer" type community group accounts. If they don't do them I guess the only option is Barclays until they close. What do other groups use - I think there are many of us using RBS who are going to be looking for something else that requires two signatures etc.
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I guess the only option is Barclays until they close.
Have Barclays announced that they are closing?
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Well, not really.
I (and two others) signed cheques on an account that I wasn't a signatory on for 3 years. We only found out when we went to change the signatories again, and found out the previous mandate hadn't been processed! Apparently they only check the signatures against their records if the cheque is over an unspecified value (which they wouldn't disclose for "security reasons", hah!) or if they have other reasons to suspect suspicious or fraudulent activity on your account. And there are numerous stories about banks paying cheques into accounts other than the one that they've been made payable to, as they don't properly check the details on a cheque.
To be honest, I have never assumed that they did check the signature.
And if banks pay money into the wrong account, with a cheque there is an audit trail. That cheque says who that money was supposed to go to. If the bank screws up, it's not me that's at fault. I have written the cheque correctly. My responsibility basically ends (unless - of course - it's a cheque going to an account I am responsible for.)
But if I make a typo on online banking, and the money goes into the wrong account, then that is my fault. There's no checking or confirmation done by the bank. They don't even check the account name matches between the destination account and what I have put. If I mistakenly transfer a huge amount and it goes AWOL due to a mistake, I'm screwed.
Of course the answer is to do a token transfer first, confirm recipient has got it, then do the remainder. But it's faff and it's hassle for everybody. And it's a fudge to work round the fact that the system is fundamentally flawed.
I use online banking all the time. I've used it for easily 15 years. But I still distrust it.
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Have Barclays announced that they are closing?
Not that I'm aware of but I'm assuming it's only a matter of time.
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I use online banking all the time. I've used it for easily 15 years. But I still distrust it.
I feel the same sore of distrust towards humans in branches.
Isn't there an RBS out at High Lane and at 5 ways.
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I feel the same sore of distrust towards humans in branches.
Isn't there an RBS out at High Lane and at 5 ways.
The RBS website gives seven branches "locally" including Marple.
There's one at Romiley. it's due to close a week before Marple.
There's one at Hazel Grove. It's due to close the same day as Marple.
There's one at Disley. it's due to close the same day as Marple.
There's one at Poynton. It's due to close in November,.
There's one at Stockport. It's due to close a week before Poynton.
There's one at Denton. It's due to close on the first of November.
Basically if you are an RBS customer and want to stay with them and use a branch, you will need to use a Natwest branch instead.
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Friends of Memorial Park will have to move our account elsewhere - I was going to check out Nationwide to see if they do "Treasurer" type community group accounts. If they don't do them I guess the only option is Barclays until they close. What do other groups use - I think there are many of us using RBS who are going to be looking for something else that requires two signatures etc.
We are going to have same problem cricket club we have three signatures we can use natwest but thats going to stockport not sure if Hazel grove natwest is still open
Bramhall is still open but what a trapes to there .
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The RBS website gives seven branches "locally" including Marple.
There's one at Romiley. it's due to close a week before Marple.
There's one at Hazel Grove. It's due to close the same day as Marple.
There's one at Disley. it's due to close the same day as Marple.
There's one at Poynton. It's due to close in November,.
There's one at Stockport. It's due to close a week before Poynton.
There's one at Denton. It's due to close on the first of November.
Basically if you are an RBS customer and want to stay with them and use a branch, you will need to use a Natwest branch instead.
natwest Glossop stockport Bramhall dont no of anymore local .
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I feel the same sore of distrust towards humans in branches.
Isn't there an RBS out at High Lane and at 5 ways.
It will be a day out trip way its going .
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I've had a Lloyds account since I was at university in the early 70s and never lived in a place with a Lloyds branch and it never been a problem I must say I've never really understood the need to have a branch of my bank within 2 mins walk.
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I've had a Lloyds account since I was at university in the early 70s and never lived in a place with a Lloyds branch and it never been a problem I must say I've never really understood the need to have a branch of my bank within 2 mins walk.
It's inconvenient, but given how often "most" people visit a bank branch, there is less and less need to have a "local" branch.
Given how people are using royal mail less and less - generally less paper post is being sent, and there are better options for parcels - I'm surprised that the post office hasn't made bigger efforts to become the go to place for general banking transactions, to diversify it's offering.
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It's inconvenient, but given how often "most" people visit a bank branch, there is less and less need to have a "local" branch.
Given how people are using royal mail less and less - generally less paper post is being sent, and there are better options for parcels - I'm surprised that the post office hasn't made bigger efforts to become the go to place for general banking transactions, to diversify it's offering.
Maybe but your not thinking of those people that dont have internet so dont do online banking .
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Maybe but your not thinking of those people that dont have internet so dont do online banking .
Yes but can a business justify keeping premises open and all the associated costs because a few people can't or won't access on line banking.
This is a business not a public sector body.
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Maybe but your not thinking of those people that dont have internet so dont do online banking .
I am, which is why I said I'm surprised that the post office haven't made more of this.
Individually, the banks will find it harder and harder to justify keeping more than a handful of branches open - I don't think it will be too long (ie certainly within 10 yrs, if not 5) before the only branches are located in the major regional town/city centres.
However, collectively, there are probably enough customers across all the banks to justify local branches. The ideal solution would be a for a new bank to start up, specifically catering for these people, but that will never happen. The next best option would be someone who already has a network of local branches that are used to handling secure money transactions to get involved.
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Yes but can a business justify keeping premises open and all the associated costs because a few people can't or won't access on line banking.
This is a business not a public sector body.
without people there would not be a business
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without people there would not be a business
Yes the people banking on line. That's where the profit is.
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You may be right @wheels , but the banks tried to remove costly cheque books and they are still there...
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You may be right @wheels , but the banks tried to remove costly cheque books and they are still there...
That kind of implies that the banks tried and failed. In reality they had their legs cut out from underneath them before they'd got started.
Around 2008/09 the government of the day announced that they were going to allow cheques to be phased out by 2018. Then in 2011, SEVEN YEARS before they were due to be phased out, the government bottled it, decided that not enough progress had been made on making sure suitable alternative options were in place, and announced that they would no longer be phased out.
Cheques are only still a thing because the government legally requires it. Had they not bottled it, cheques would be abolished, and we'd have a (likely) much better, certainly less expensive, and less hassle alternative than passing around a bit of paper, for those rare circumstances when card or electronic transfer just won't do.
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You may be right @wheels , but the banks tried to remove costly cheque books and they are still there...
Ah yes Geoff cheques that's where you give someone a bit of paper with all your account details, your signature and very often your address on the back, and people go on about lack of security when banking on line.
Hope you enjoyed Krakow x