The grumpy thread

[wuvvum]

1 hour ago, Datsuncog said:

Another time I wanted to withdraw a somewhat larger sum from my account, because I was going to look at a car with a good chance of buying it (£1,500, so not exactly an absolute fortune).

No, I would have needed to have given them three working days' notice that I was going to withdraw such a large sum. All they would give me over the counter was the same amount as the ATM limit outside.

That's interesting.  I went into the bank a few weeks back to draw out £1,800 to buy the i-Miev and they gave it to me over the counter no questions asked - they did ask to see photo ID though.

[High Jetter]

5 hours ago, cobblers said:

It's cheaper and easier to take cards than it is to handle cash nowadays (2% flat fee, no monthly costs, the machine costs £150 and you get paid every day). The only genuine reason a business won't take cards is that they don't want to pay tax. 

 

Um...daily payments in mean 7 bank charges a week, I get mine once. Customers pay cash, staff get cash wages, all above board, but no bank charges.

[cobblers]

23 minutes ago, High Jetter said:

Um...daily payments in mean 7 bank charges a week, I get mine once. Customers pay cash, staff get cash wages, all above board, but no bank charges.

Bank charges? It's a percentage. I could have them pay once a month, but the fees are a percentage of the amount, so frequency makes no difference. 

If we take £500 in a day on card, the following day at 4pm we get £490 in the bank. Bills and staff and everything are paid by bacs, I've not had to take time and go to pay cash in to a bank. Our business bank costs nothing to use. 

Customers sometimes want to pay cash, and if they do it's a nuisance - I just spend it on diesel to get rid of it 

[High Jetter]

9 hours ago, cobblers said:

Bank charges? It's a percentage.

Yours might be, but Natwest charge me 35p for automated transfers in or out. Cash is 70p per £100 plus 70p manual handling charge.

[cobblers]

10 minutes ago, High Jetter said:

Yours might be, but Natwest charge me 35p for automated transfers in or out. Cash is 70p per £100 plus 70p manual handling charge.

Jesus! Might be worth looking at another bank? We use Starling for our everyday stuff, there are no charges for anything. No monthly fees, no transaction fees. I've never tried paying cash in though, it can be done through the post office but it's easier for us to just spend it on diesel and petty cash - in 6 years we've only taken about £8k in cash, if that. They don't pay interest though, so I only keep a working float in there and the rest goes into an instant access business savings account that pays about 4%.

[High Jetter]

42 minutes ago, cobblers said:

Jesus! Might be worth looking at another bank? We use Starling for our everyday stuff, there are no charges for anything. No monthly fees, no transaction fees. I've never tried paying cash in though, it can be done through the post office but it's easier for us to just spend it on diesel and petty cash - in 6 years we've only taken about £8k in cash, if that. They don't pay interest though, so I only keep a working float in there and the rest goes into an instant access business savings account that pays about 4%.

Hmm, thanks, you might be right. 

[uk_senator]

20 hours ago, beko1987 said:

I had a HTC m8 that started taking photos like that towards the end of it life 😢

The image corrupting like that just on a hard drive is worrying though... You got enough coin for a 4tb data hdd and usb adapter? Can get everything backed up onto a hopefully known good drive incase your about to suffer some random horrific hardware failure? Then keep a good copy on it that you rarely access. And don't drop the drive 👌

I've got my unraid server for my data hoarding habits, and 96% isn't backed up anywhere else but I keep a 4tb hdd in a padded hard drive box that they get shipped with and once a year do a copy/add new of all the photos of the kids and such I've taken

Thing is, this isnt happening on just one of the drives, the example I gave was from my external 4tb driver, just now, when going through pics for the ad I just put up, I found more, on my PC`s main drive (a 1.5tb SSD):