You Know What Really Grinds My Gears? Now with 3x more gears...

[Wormius]

Originally Posted by fotze2

So putting “ will only fata in arse” in the special instructions doesn’t help?

That might actually help. Especially if you request to be handed the food in person.

[fotze2]

Originally Posted by Wormius

That might actually help. Especially if you request to be handed the food in person.

Just order a single hot dog bun.

#meatfromporkys

[Titan2]

Originally Posted by fotze2

Uber eats just never arrived. Zero ability to contact the on phone or otherwise. Drivers just cancel 80% into the process and you can’t do schists about it. No recourse.

Happened to me to. I called the restaurant and they told me to go #### myself. I did dig through the uber eats site and found a way to get a refund, which was processed quickly but #### me, I wanted dinner not a refund.

[Titan2]

Originally Posted by fotze2

Uber eats just never arrived. Zero ability to contact the on phone or otherwise. Drivers just cancel 80% into the process and you can’t do schists about it. No recourse.

Go into Your Orders. Select order. Go to bottom where it says Get Help. Select, order was cancelled. Go from there.

[cam_calderon]

Originally Posted by Barnet Flame

I had to visit a branch with my son who is now an adult to transfer control of his savings over to him. When I got to the branch, it was closed. On a Friday. A check of the website shows that branch now only operates Mon-Thurs.

https://branches.halifax.co.uk/london/804/806-high-road

Needed to get out $2900 (Australian dollars) but my card limit was $2000. Couldn't increase in the bank's app. Call them, have to wait on hold for 20 minutes, only to be told (at least politely) that the guy on the phone couldn't do anything, and I'd need to visit a branch.

Turned out I had nothing to do today, so I headed in and the process was mostly painless but the fact you can't withdraw a pretty reasonable amount of your own money, at your own convenience and not within banking hours, is pretty dumb.

[topfiverecords]

I get more than that from the bank quickly all the time. You just have to wear a mask and carry a gun.

[lazypucker]

Speaking of ATMs, what's up with the trend of installing outdoors ATMs these days? I see multiples of them downtown and also in other parts of the city. Is it for the convenience for some hobo to mug you as soon as you take the cash out?

[Brupal]

Due to issues of unhoused camping out in vestibules for ATMs most banks have started locking them after business hours, defeating the purpose of remote access to your cash. So by having the ATMs out in the open they can continue to give you access 24/7.

[TorqueDog]

Originally Posted by Brupal

Due to issues of unhoused camping out in vestibules for ATMs most banks have started locking them after business hours, defeating the purpose of remote access to your cash. So by having the ATMs out in the open they can continue to give you access 24/7.

Well, until they start making the touch-screens out of stronger sh-t, it's likely just going to get buggered up by some arsehole tweaked out of his mind. Or maybe just stick to physical buttons entirely for these outdoor ones.

Better yet, some clever institution should just figure out how to allow integration of the bank's mobile app with the ATM.

You go into your mobile banking app, choose the 'Use an ATM' feature, then choose what you want to do:
- Deposit 1x cheque - $551.27
- Withdraw $200 cash; 1 $50, 6 $20s, 2 $10 2 $5s.

Once you decide what you want to do, the app prompts you to scan a QR code on the ATM's (very well-protected) screen. The app and the ATM exchange the instructions you provided, the app asks if you're ready to deposit the cheque. You tap OK. The ATM opens the deposit drawer and you insert your cheque, cheque is accepted. App asks if you're ready for your withdrawal, you tap OK, and the ATM spits out the $200 in the denominations you requested, just like you can using the normal ATM screen, except you don't need to worry about if some jerkwad has beat the hell out of it to the point that it doesn't work.

[CroFlames]

Banks are the worst; but I guess that's why they are so successfuil in this country.

Couple years ago I was buying a new home and needed to move some money around and then get the draft for the down payment. She's like that'll be $8 please. And I'm like are you serious, I need to spend money to take out my own money? She's like what's the money for, and I say for a house. She's like please talk to our inhouse mortgage person and I'm like bro I have a mortgage I'm closing in like 12 hours. Then I ask can you remove the fee because I've been a loyal client for 25 years and RBC cleared 5 billion last quarter. Sorry sir, absolutely nothing we can do about the fee. Then proceeds to say she could remove the fee if I agree to make an appointment with their mortgage specialist. lol.

[topfiverecords]

Originally Posted by CroFlames

Banks are the worst; but I guess that's why they are so successfuil in this country.

Couple years ago I was buying a new home and needed to move some money around and then get the draft for the down payment. She's like that'll be $8 please. And I'm like are you serious, I need to spend money to take out my own money? She's like what's the money for, and I say for a house. She's like please talk to our inhouse mortgage person and I'm like bro I have a mortgage I'm closing in like 12 hours. Then I ask can you remove the fee because I've been a loyal client for 25 years and RBC cleared 5 billion last quarter. Sorry sir, absolutely nothing we can do about the fee. Then proceeds to say she could remove the fee if I agree to make an appointment with their mortgage specialist. lol.

They ain't gonna clear that 5 billion a quarter by removing your fees.

[Locke]

Originally Posted by CroFlames

Banks are the worst; but I guess that's why they are so successfuil in this country.

Couple years ago I was buying a new home and needed to move some money around and then get the draft for the down payment. She's like that'll be $8 please. And I'm like are you serious, I need to spend money to take out my own money? She's like what's the money for, and I say for a house. She's like please talk to our inhouse mortgage person and I'm like bro I have a mortgage I'm closing in like 12 hours. Then I ask can you remove the fee because I've been a loyal client for 25 years and RBC cleared 5 billion last quarter. Sorry sir, absolutely nothing we can do about the fee. Then proceeds to say she could remove the fee if I agree to make an appointment with their mortgage specialist. lol.

She knows that BS ain't worth 8 bucks.

[cam_calderon]

Originally Posted by TorqueDog

Well, until they start making the touch-screens out of stronger sh-t, it's likely just going to get buggered up by some arsehole tweaked out of his mind. Or maybe just stick to physical buttons entirely for these outdoor ones.

Better yet, some clever institution should just figure out how to allow integration of the bank's mobile app with the ATM.

You go into your mobile banking app, choose the 'Use an ATM' feature, then choose what you want to do:
- Deposit 1x cheque - $551.27
- Withdraw $200 cash; 1 $50, 6 $20s, 2 $10 2 $5s.

Once you decide what you want to do, the app prompts you to scan a QR code on the ATM's (very well-protected) screen. The app and the ATM exchange the instructions you provided, the app asks if you're ready to deposit the cheque. You tap OK. The ATM opens the deposit drawer and you insert your cheque, cheque is accepted. App asks if you're ready for your withdrawal, you tap OK, and the ATM spits out the $200 in the denominations you requested, just like you can using the normal ATM screen, except you don't need to worry about if some jerkwad has beat the hell out of it to the point that it doesn't work.

You guys don't have that? https://www.commbank.com.au/digital-...-cardless.html

I should add that meth/crackheads aren't really a thing here. Not common to find an ATM in unusable condition, but the banks themselves are still running a backwards operation.

[TorqueDog]

Originally Posted by cam_calderon

You guys don't have that? https://www.commbank.com.au/digital-...-cardless.html

Nope, but we can do it with Shell petrol pumps. [shrug] Doesn't even use a QR code; it queries location services to find the station you're at, you enter the pump number in the app, and it'll do the rest.

[habernac]

Originally Posted by CroFlames

Banks are the worst; but I guess that's why they are so successfuil in this country.

Couple years ago I was buying a new home and needed to move some money around and then get the draft for the down payment. She's like that'll be $8 please. And I'm like are you serious, I need to spend money to take out my own money? She's like what's the money for, and I say for a house. She's like please talk to our inhouse mortgage person and I'm like bro I have a mortgage I'm closing in like 12 hours. Then I ask can you remove the fee because I've been a loyal client for 25 years and RBC cleared 5 billion last quarter. Sorry sir, absolutely nothing we can do about the fee. Then proceeds to say she could remove the fee if I agree to make an appointment with their mortgage specialist. lol.

I get 5 free drafts a year from RBC.

[bizaro86]

Originally Posted by habernac

I get 5 free** drafts a year from RBC.

**Drafts included in a package where the annual cost exceeds the cost of paying for 5 drafts

[Shazam]

CIBC Visa annual fee is the only bank fee I pay.

Simplii for day-to-day chequing.
Investments at QT, WS or CIBC IE.
LOC at CIBC (no-fee)

I'll bite the bullet and pay for a bank draft, which happens maybe every 10 years or so.

[Nufy]

I paid for a bank draft from one bank when moving money around to pay contractors for some work...

Get to Royal Bank... Need to hold it for 2 weeks...

WTF !! I paid for a draft to avoid this. Teller wouldn't budge until I got a manager involved.

20 Years of Banking History and they still suspect me of fraud...FFS !!!

[lazypucker]

Bank tellers are useless here. When I run up to the teller and ask a credit card question - hold up! You need to book an appointment with a credit card specialist! How about the GIC rates? No, you need to book with an investment specialist!

Why do they have so many different job functions like a credit card specialist, loan specialist, mortgage specialist, investments specialist, whatever specialist? Why can't the banks train their staff to do most if not all of these? Isn't that all the information is readily available in the same system?

[Locke]

Originally Posted by Nufy

I paid for a bank draft from one bank when moving money around to pay contractors for some work...

Get to Royal Bank... Need to hold it for 2 weeks...

WTF !! I paid for a draft to avoid this. Teller wouldn't budge until I got a manager involved.

20 Years of Banking History and they still suspect me of fraud...FFS !!!

Ohhh....I'd have been fataing LIVID!

The point of the Bank Draft is that the Bank guarantees that the funds are there. Thats why you pay for them. Otherwise its just a f'ing cheque that any old idiot can write at any time.

No sir. I'd not stand for that BS.

The whole point is the Bank guarantees the money, they hold the money in the account essentially on behalf of the recipient of the Draft so the issuer can't write the Draft (or cheque) drain the account and let it bounce.

Thats why you pay the money.