Banking

I've been with Nationwide for the last 10 years or so and I don't think they've been cunts so far.

They very much are.

Also been with Nationwide 20+ years and never had any issues

Have you tried contacting your bank to see if they can do it for you?

They're all cunts. I moved the missus away from Barclays to HSBC years ago because Barclays were bigger cunts than HSBC.

I had a mortgage with Nationwide. They seemed less cunty than other banks but I had no other accounts/dealings so it's not a fair comparison.

Yeah I only went with them due to a mortgage but I'm keeping my current account with them. They're a building society as a pose to a bank which I think means they're generally a bit more chilled out but their website and app looks a bit shit.

And they couldn't help me switch all my direct debits at once when i went into the branch.

They (Nationwide) refused me a mortgage because their surveyor thought there were too many non-owner occupied flats in the building (!) and was therefore completely unmortgageable. So they definitely employ at least one cunt.

too many non-owner occupied flats in the building

That's even a thing?

There are some pretty odd reasons underwriters will use to refuse lending. My mate got rejected recently as the flat he was buying was above a musical instruments shop. Getting lending above a chicken shop or bookies will be borderline impossible.

I'm currently jumping through a bunch of hoops as I've lived on a boat for years without using utilities, credit cards, mobile phone contract etc. Never missed a payment on anything and don't use credit as I don't buy things I can't afford, but apparently I don't exist to the Experians of this world.

Yeah, I got a credit card, not because I needed a credit card but because to get a credit score you need a credit card! Fucking dumb but such is life.

That was exactly my reaction. I wonder if he even visited.

In hindsight I should have gone to a branch and got someone to say it out loud without giggling.

I think they are all cunts, but its trying to find one thats less cunty maybe

What's with the new credit cards with the number printed on the back instead of embossed?

"From the HSBC UK Mobile Banking app launch screen, select the 'Generate a security code' option at the bottom.

If you normally log on with fingerprint recognition, you'll need to cancel the prompt to see this screen"

This doesn't exist so how the fuck am I now supposed to login to my bank now that I have the app and not the dongle when their own fucking instructions are wrong?

There is no "generate blah"

The app can't be screen shot but 'generate security code' is in a grey box at the bottom of the screen.

You have good morning and the first few digits of your bank id, then a red box with login with biometrics, then a white box with login with digital secure key pin. At the very bottom is the generate security code.

If its not there maybe the app is being displayed weird so maybe reinstall it?

Got around it eventually. You have to sign out of the app to view the fucking codes. Could they not just reauthenticate ffs?! Fuck you, HSBC.

Thanks Gewürzt

It's the same with the First Direct app too :(

Yeah, it's a stupid way of doing it. At least half the stuff that you do in the app doesn't just send you to the Web browser to login to the banking page there anymore.

I should've stuck with the dongle. Fucking apps for everything. Fine if they weren't all written by shitcunts. I've three banking apps now and I swear it takes 2 or 3 attempts to buy fucking anything online now.

Well done for increasing my online safety you shitcunts but you're just wasting my time.

Maybe I should disappear from the online world, buy eveythi

thing local punch this fucking keyboard another few hundred times until all online fuck shit cararssngnedonesg
@}~

My finances are far too much hard work... I have a Starling personal and joint account, my wife has HSBC personal I think, and the joint, but could probably be convinced to move personal current account again.

We both get paid not at the start of the month, most bills are set to go out of my personal or the joint account soon after I get paid, my wife gets paid a few weeks previous, so we run a spreadsheet to tell us how much my wife owes me and what we both need to pay in to the joint account. Ideally all joint bills would go from the joint account.

I recently stumbled upon the fact that you can now pay a debit directly from a Starling [savings] space, which would go some way towards automating everything in to separate pots waiting for their DD, but the deal-breaker is that only one automatic transfer to the space can be set up, so the (automated) route of personal account>joint account>savings space> paid bill is only available for one of us to use.

Does anyone know of another bank that can automate money coming in at different times through the months, into separate pots and then pay direct debits from those pots? The Starling system is SO close, but not quite there. I don't want to think about bills getting paid anymore.

Edit: complicating factor is that we also use the joint account for food and various other things so it's not a fixed figure going in and out each month.

I’ve just downloaded (and since deleted) MoneyHub which claims to be able to do payments as well as help with budgeting.
Didn’t do what I wanted in the way I wanted it but might be worth a look?