Bank of Ireland Chaos

I would say most banking systems are like this. The stuff that does work has been working for years. Then they add web and app support and access from the general public and by other systems on top. Then it gets more and more convoluted as they try to keep up with the competition and move more and more functions online. And try to make them available all the time. Plus you've got the bad guys continually trying to hack the systems ... so software has to be continually updated and that can lead to more issues ...

Oh little doubt but they can probably hide away and keep the money. And BofI will be able to do SFA about it.

But good luck to them trying to function going forward and using any payment system other than cash. They'll soon be very p**sed off when they can't even order a pizza.

Effectively all PTSB Chip and Pin Card Services whether at merchant terminals or ATMs went down and also the App for transactions other than viewing your account balances. Bizarrely and thankfully the Wise App was able to debit the card itself that was already registered but the attempts to register the three cards for Google Pay failed.

Cash is king

Why ?

Fair play to them for taking money that wasn't theirs ?

This crap rots me, take money that isn't yours and then expect to get away with it ? Whinge about the big bad banks when in fact it was themselves who went to the trouble of going to ATM to withdraw money that they didnt have !

The worst thing is that the average joe soap who did nothing will get hit with increased fees down the line

The customers credit rating will still be impacted if they just leave liuke that. For the sake of 1k. Ridiculous. Good luck getting a mortgage or a car loan in the next 10 years lads.

Last night really shows how many morons we have in this country.

I hope they are made pay every penny back, with interest, their accounts closed and their credit rating pulverised.

The ordinary customer will probably end up paying a substantial amount of this money through charges, etc.

TedBundysdriver is a clown of the highest order. No moral compass apparent.

You need a PPS number to open a Revolut account, plus ID.

Thinking you can run away from debt is as foolish as thinking you were getting free money from an ATM.

Course it is. They're literally spending their own money.

You'll have a whole load of young people going on the tear with their "free money" only to have no wages for the next 2-3 weeks.

Nothing wrong with cash at all, I like to use it as much as possible. Grand as long as you go visit whoever you want to buy stuff off. But it's not how the modern world works and how the people who exploited this, expect it to work for them.

Sure you can open Revolut account but how do you get funds into it? Send them a bundle of cash in the post?

The data will tell a story. In fact it's that easy to get it's already probably on a summarised deck for execs at HQ ready to be transferred to the Guards.

A couple of lads with no consistent income stream who logged into their online banking a couple of days back where the balance was 0 or last attempted withdrawal insufficient funds travelling from town to town yesterday evening withdrawing €1000 sums of money, sums which they had never withdrawn before at ATMs they had never used before shows clear intent.

That money will be getting spent today by many of the tracksuit clad scrotes who queued up to avail of it. They should think twice before they spend it.....

Thread is painful to read with all the people who seem to think that banks give a **** about social welfare payments.

Really lads, you think that bank managers are sitting there looking at every account and making judgements about whether they should let Johnny have his welfare?

Its all just transactions, ones and zeros on a page. The government send a payment to your designated account, but as far as the bank is concerned that money is coming from a sender and they don't give a toss who the sender is. Its just money to them, same as money from anywhere else. And they certainly aren't going to treat it any differently when it comes to paying out.

The doleheads will get their money because the government will send it. And when it lands in a bank account it will stop being dole money and just be regular old "money", subject to the same rules and regulations as all the other money in the country.

Whatever your opinion on Banks, you do not have the right to spend money that is not yours.

Its as simple as that.

But it happens on scale every single year in this country. Surely you know of a couple of people that didn't pay their student overdrafts off? There's countless overdrafts and small loans each and every year that are written off. Even something as simple as signing up to Vodafone and getting an iphone, then stopping paying the monthly fee 3 months into the contract is a similar situation

It all goes on the customers credit rating and it comes back to bite them down the road. Its a terrible situation for the majority of people. However there's a portion of people in this country who won't give a toss, or who's credit rating is already in the dirt

Lastly, on opening new bank accounts. Ive worked in banks and seen customers come in with credit ratings of 8, which is basically widescale bankruptcy and as bad as it gets (scale goes from 1A to 8). Unless things have changed recently, these customers weren't denied opening new basic credit accounts for day to day use. It certainly never stopped any of them using Revolut, Skrill, N26 or the hundreds of alternatives out there