ATMs should we worry about losing them

Discussion in 'Motorhome Chat' started by tofo, Jan 13, 2013.

  1. tofo

    tofo Funster

    Joined:
    Oct 1, 2007
    Messages:
    6,588
    Likes Received:
    6,215
    Location:
    Kirby cross further from londin
    [HI]Please don't use this thread to knock banks we know there robbing barstools
    Start your own thread please:thumb::Eeek:
    [/HI]





    ATMs(Automatic telling machines)

    http://money.aol.co.uk/2012/12/11/b...icid=maing-grid7|uk|dl4|sec3_lnk2&pLid=144966

    Just a thought living in overcrowded essex London/Southend on sea part
    The banks seem to have many cash machines

    If we moved to a different area which is less populated
    (House move type move)
    I know you can get cash back at some shop establishments
    Just concerns me

    That the banks introduced ATM s to make life easier
    Read save money on wages for them

    now they have slowly closed the banks in rural areas
    Seems there is now thoughts of them withdrawing from ATM

    Seems they are thinking of withdrawing from LINK machines

    At a stroke we will end up paying to get our money
    From the hole in the wall

    Seems the thin edge of a sharp wedge​
     
  2. scotjimland

    scotjimland Funster Life Member

    Joined:
    Jul 25, 2007
    Messages:
    28,934
    Likes Received:
    25,574
    Location:
    .
    Interesting..

    Personally I seldom use ATMs .. if I need a small amount of cash I get 'cash back'

    but.. I guess it depends on whether you have a bank account with a debit card .. many folks don't.. unemployed and those on benefits may only have a Post Office account and a card for cash at ATMs,.. but it can't be used for electronic transactions.. so depend on ATMs and cash for everyday purchases ..

    The 'cashless' society has been talked about for years, cheques have all but disappeared, plastic is now king.. but I doubt we will ever be totally 'cashless'.. well , not in my lifetime.

    So to answer the question.. not personally .. but I can see the problems it will create for the less advantaged..
     
    Last edited: Jan 13, 2013
    • Like Like x 1
  3. MikeandCarolyn

    MikeandCarolyn Read Only Funster

    Joined:
    Mar 18, 2008
    Messages:
    2,171
    Likes Received:
    1,463
    Location:
    Worle,North Somerset
    Not so much a reply-more a comment on how life can't be easy for small local branches of banks.

    The only time I actually visit my local branch is if some idiot gives me a cheque for something.
    I do all my banking online,I get cash from the ATM at Tescos,I get my Euros from ICE.

    Mike.
     
    • Like Like x 2
  4. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,499
    Likes Received:
    3,848
    Location:
    Nr Jct 3 M6
    Well like everything when moving to a sparsely populated area, you have to weigh up the pros and cons.

    Infrastructure be it Bank/ATM, post office/box, doctor, hospital, shop(s), school(s), public transport, milkman or whatever - is a very important part of what you have to weigh up.

    Is the idyllic cottage with roses round the door and no neighbours in the middle of a wood where no mains flow an ideal place for a person to live as they get increasingly elderly have to give up driving and become physically disabled? For starters you have to have the means to get your dustbin to the edge of the main road if you want it emptied - eg our friends had to buy a trailer and have a towbar fitted to one car because the "drive" (in between a wood one side and 2 fields the other) was nearly half a mile. Up hill with the bin full, downhill when it was empty.

    So you have to plan for when you need cash, same as you know if you've forgotten to buy bread or milk, you have to go out in the car to get it. But then - you wouldn't need cash unless you were out and about to spend it somewhere in the first place, would you?

    It does save you from Carol singers and Trick or Treaters though! and people knocking on the door to ask if you want your drive tarmaccing or to sell your caravan and offering you £50 to take it off your hands .....
     
    • Like Like x 1
  5. ShiftZZ

    ShiftZZ Funster Life Member

    Joined:
    Feb 19, 2008
    Messages:
    19,821
    Likes Received:
    35,879
    Location:
    Leicestershire
    I know that the number of rural branches are closing, when I started work on Anglesey on the early 1970’ there were 5 braches, employing some 60 staff or more, now they employ less than 20 at most. In those days they used TC500’s terminals and no ATM’s, there were long queues at the cashiers and the hours were 9:30-3:30.

    I know they did some ‘work’ on the cost of keeping rural branches open and the cost of maintaining them was horrendous and there was an exodus, no bank wanted to be the last to leave a town or village.

    ATM’s have been good, but there has been a cost, that being the actual machine, the cost of connecting them 24*7 and servicing, they are not cheap. There was also the cost of reducing the staff numbers.

    An ATM is the same as the old telephone boxes, low use, they get rid..
     
    • Like Like x 1
  6. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,499
    Likes Received:
    3,848
    Location:
    Nr Jct 3 M6
    If anyone has read the Brentford Trilogy (a series of at least 5 books by Robert Rankin - The Sprouts of Wrath etc etc) you will all know, just like me that very soon we will all have to have a barcode tattooed on us, then shops will just scan the barcode to get at our dosh.........
     
    • Like Like x 1
  7. tofo

    tofo Funster

    Joined:
    Oct 1, 2007
    Messages:
    6,588
    Likes Received:
    6,215
    Location:
    Kirby cross further from londin
    When we need cash which is getting rare these days
    plastic and debit cards seem acceptable everywhere
    We use our local post office counter for cash
    They have an ATM outside
    But I do like a person to speak to
    I also get my vehicles road tax at the same P/ Office
    So it's there next time I want to use it


    I acknowledge there are some shops can't afford to make the switch
    At those I have to use cash and I can understand their reasons

    Just worrys me that we are sleepwalking into
    The future without thinking that which it brings
     
  8. iandsm

    iandsm Funster

    Joined:
    Jan 3, 2008
    Messages:
    1,542
    Likes Received:
    2,703
    Location:
    Suffolk
    ATM

    I don't see it as a problem, there are plenty of places one can get cash back and there are plenty of ATM machines both in towns and at motorway service stations. If a customer lives in a very rural location, obviously there will not be a handy ATM, or a handy anything , that goes with the territory. People just have to be aware that they must make arrangement to obtain money, or shopping or any other commodity.

    Banks have a vested interest in having our accounts, that's how they make money, they all contribute to the Visa or Mastercard scheme since they have no choice but to do so. There have been rumblings about charging for ATM usage, but they must all agree impose charges at the same time otherwise people will migrate to those that don't charge and in the ever competitive quest to have us open accounts so they can make add on sales they will do all thy can to avoid losing accounts.

    So the answer o the original question is. No, I don't see it as a problem at the moment, i doubt if it will become a problem and if it does I am certain there will be a solution around the corner. By the way I live in a semi rural location so speak from some personal experience.
     
  9. maz

    maz Funster

    Joined:
    Jan 26, 2011
    Messages:
    2,515
    Likes Received:
    2,157
    Location:
    Out there somewhere
    I used to live in a cottage with a half-mile driveway but left the wheelie bin up at the roadside and just popped a small bag of rubbish in it when going out.

    Although I was spared carol singers and trick or treaters, it didn't save me from itinerant tarmac gangs or Jehovah's witnesses. :RollEyes:
     
  10. Steve_UK

    Steve_UK Read Only Funster

    Joined:
    May 30, 2012
    Messages:
    37
    Likes Received:
    17
    Location:
    Mid Sussex
    As a matter of interest, has anyone found an ATM at a motorway service station that does not make a charge for withdrawals recently?
     
  11. Philcott

    Philcott Read Only Funster

    Joined:
    Jul 17, 2012
    Messages:
    670
    Likes Received:
    370
    Location:
    Bury St Edmunds
    Come to think of it - only some of the BP ones on the minor roads have the free ATM's now - I think all the ones in the motorway services charge!
     
  12. joner8888

    joner8888 Read Only Funster

    Joined:
    Jan 4, 2012
    Messages:
    2,190
    Likes Received:
    1,971
    Location:
    somerset
    Maybe if we all have to get cash back from retailers , in the end there will be no cash because everyone will be going in to use a card--so where will cash be excepted?
    Swipe a phone app,
    swipe a top up cash card,

    A cashless society :Eeek:
     
  13. iandsm

    iandsm Funster

    Joined:
    Jan 3, 2008
    Messages:
    1,542
    Likes Received:
    2,703
    Location:
    Suffolk
    ATM'S

    True some machines interior machines operated by the places like "welcome break" etc. charge as do some "link" machines. However, there are others that don't charge and even advertise free cash withdrawals, I am thinking of machines that are stand alone type ones not attached to other premises, the one I use is at the services on the A12 at chelmsford, and another at M20 services just before getting the tunnel at Folkstone. I can't now remember others I have used, but I do know I would not use them if there was and charge and I haven't had to go short of cash.
     
  14. ShiftZZ

    ShiftZZ Funster Life Member

    Joined:
    Feb 19, 2008
    Messages:
    19,821
    Likes Received:
    35,879
    Location:
    Leicestershire
    Remember that 'cash back' from retailers saves them a lot of money in charges..
     
  15. teddybard

    teddybard Read Only Funster

    Joined:
    Aug 21, 2012
    Messages:
    7,611
    Likes Received:
    8,998
    Location:
    warwickshire
    ATM

    Brave New ATM



    In line at the works cafeteria they tell
    Jack says to Mick-.-My elbow hurts like hell
    Be brave my friend-.- pain goes-.-it will not hurt
    so with muscular backpain you need not flirt
    I suppose I'd better see a doctor
    I'll go off right now to Doctor Proctor

    Pat at the surgery says don't waste your time
    theres a new A.T.M.--- at the five and dime
    Given a sample of urine it will tell you
    what is wrong--and perhaps what you can do

    It takes ten minutes-.-and costs five dollars
    quick advice and loyalty points follers
    So Jack takes a sample to the machine
    to test it-.-unsure if you know what I mean

    Computer lights up, asks for the sample
    pour it in now dear and give it time (ample)
    Sit for ten seconds then ----please wait it out
    Computer issues first comment-.-print out

    You've Tennis Elbow and you now oughter
    soak your poorly elbow in warm water
    follow this advice we give-.-which you seek
    and all will be well again in two weeks

    That evening while resting Jack had a thought
    he wondered if the computer could be caught
    so then intending to fully test its function
    he mixed by himself a strange concoction

    He mixed in the first place with tap water
    urine samples from his wife and daughter
    on the lawn he found a sort of unknown log
    an unrequested contribution from his dog

    And finally to complete this treasure
    he pleasured himself in --for good measure
    then back down to the Wallmart five and dime
    to test the computer out for one last time

    Eager to see yet again for himself what follers
    he paid the machine another five dollars
    Knowing hed beaten it----sure of the facts
    poured in the cocktail and then he sat back

    While he was waiting out there with a grin
    the computer printed the following
    Your local tap water is far far too hard
    please fit yourself a filter in the yard

    oh and your dog Rover has ring-worm too
    bathe him with an anti-fungal shampoo
    your daughter too has a cocaine habit
    If you can get her into "Rehab" it
    will do the Neighborhood---truly good;


    Your wife is pregnant with twins-.-they're not yours
    get a lawyer----------------------organise a divorce
    and stop playing with yourself ---you nutter
    if you don't your elbow wont get better

    Please insert your loyalty points card this time
    and thank you for shopping at the five and dime.



    © Roger Holcombe, All rights reserved.
    Poem by Teddybard.



    ATM.=Automated Treatment Machi
     
Loading...

Share This Page