New Booking System
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I couldn’t manage without online banking now branches have disappeared from our towns. It’s a lifeline and on the rare occasions I receive a cheque, I just pay in in via the Post Office.
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Yes, even easier than a visit to the PO. 🙂
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can anyone please answer the question that was asked ,if internet banking is so safe and easy why do banks spend thousands of pounds tellingyou how to keep your finances safe ,whilst also paying out as many thousands in compension to customer s that have lost money
also many people donot have a smart phone for many different reasons
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I recently tried to do a Bank Transfer to a business. Goodness me, the number of hoops I had to jump through and questions I was asked by the system. I was pleased to see it and not put off at all.
I do take that 92% that DK mentioned with a pinch of salt. There are still a fair number of people who do not or will not use the Internet for whatever reasons. My 90yo MiL for one and with her lack of web savvy I'm glad she doesn't.
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Never used in branch banking. Always used telephone banking. But long waits for phone to be answered during covid and a couple of other things have made me open an on line account. It works well for those bank transfers that are increasingly common e.g. weekly chair yoga sessions, or paying the decorator. Much easier on line than by phone. However this is all done from my PC. I don’t use my mobile phone enough to contemplate using it for financial transactions.
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I can’t answer your question Skoda, all I can do is relate my own experiences using a Smartphone and IPad to carry out buying and selling online, and downloading my Bank’s App so that I can manage not only my finances, but those of another family member as well.
It’s not hard to set up, but you do have to jump through some very personalised hoops, not least linking my fingerprints to my devices, setting up a personalised code that changes every time I log into my Bank, and also if I choose I can utilise a small personal card reading device (provided free of charge). This device is usually required if I am paying someone new, or if it’s for a very large amount, say for a car. The card reader is rather like the devices used in shops, but requires further checks before you can finally make a payment. If I pay someone new, let’s say a plumber or electrician who has provided me with a BACS account number, before anything is paid, my bank will check out the account to see if there is anything dodgy flagged up. There are prompts to check numbers inputted, names spelled, anything really all along the payment route. When buying online, particularly if from overseas, I have on occasion been contacted by my Bank to make sure it is me, before being able to proceed.
Some of this sounds like it might be a bit long winded, but in actual fact it isn’t. I can check my account balances in seconds, from almost anywhere, I can move money from account to account almost instantly. It will provide me with a minute by minute detail of account details, including any pending payments (I.e those awaiting in the system) It will send alerts set to any amount should you not want to get near any account being overdrawn. It will bring up each transaction item by item with all details. I can instantly challenge any company with relevant details at my fingertips.
I think the Banks are spending a lot of money keeping internet banking safe, but it’s like anything else involving human beings, it won’t be infallible. But then it’s a damn sight safer than standing in front of of a cash machine with some thug behind you waiting to grab what you have just got out of that machine. That’s of course if some other no good hasn’t either thrown up, glued or peed onto the bank machine! At home, little actual cash involved, safe and warm.
You don’t do internet banking on a shared device of course. Or write down memorable numbers👍I would add that I respect those who don’t want a smart phone, for whatever reason. You certainly have to have a degree of understanding around security when utilising such devices, and not only for online banking. My OH got a red flag around his PayPal account, turned out it was just Bank being super cautious, but we changed details.
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Do you mean this question?
"as we do not use internet banking how can we check that we have not paid twice for the same booking ,our bank statements come at the end of each month so it could be 2/3 weeks before we find any errors in payments to the company [club] "
If so, ring your bank and ask or pop into your not-so-local branch and ask. Simples!
However, if you mean your question about security, it’s because they’re protecting us customers.
People who do not have smart phones (and they need not be expensive) miss out on so much. It’s a great shame.
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Often online financial fraud is far removed from normal everyday online banking. It usually comes about by specific situations which we should be educated to avoid. There are lots of checks and balances in the system. Almost all of the reported fraud comes about by people being scammed into making transactions they should not have touched with a bargepole. Usually involving people making so called investments which turn out to be scams. I would hazard a guess that you are more likely to lose money by bank and credit cards being stolen than using you online bank.
Obviously it's up to the individual whether they have a Smartphone, all I would say is that since I have had one it's become an indispensable piece of personal equipment as its capable of doing so much be that telling me what the weather will be to ordering medication straight from the phone or even telling me when the next bus will arrive.
David
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It is down to non ‘safe aware’ folk allowing their B/accounts to be MT’d by scammers. The Banking industry have spent years & countless ££millions telling us-‘WE WILL NOT PHONE YOU RE YOUR ACCOUNT. Yet folk still give scammers professing to be bank staff their full account details over the phone. I get at least 1 contact per week offering to put money into my account that I have won, telling me I’ve had my account compromised, hackers are(right now) breaking into my account. . .Lies-all lies. All the time there are gullible people their will be scammers. If the online World frightens you-don’t use it, they can’t scam your online account if you ain’t online👍🏻. I’ve had money reimbursed to my account due to no fault of my own theft. My issue was having food delivered from Asda(to scammer) using my card number. Not my fault=instant reimbursement.
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Apologies to all and the new improved system. It seems I had booked through the new method back in September so I can only put it down to an age thing that I had forgotten. When I arrived on site paid as normal unaware that automatic pay had kicked in and so in effect paid twice. After speaking with East Grinstead and a wonderful warden it was all sorted and a refund made to our account. Apologies again for misleading everyone who read my original post and I have set myself 100 lines, I must not cast aspiration before doing my homework, I must not……..
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Oops 😁 Good to hear things aren’t as bad as thought.
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Good to hear you got things sorted, but, the site staff should have seen that your fees had been taken, it takes a second to scroll to the bottom of your booking page to see the history for that booking. Autopay usually goes out around 2am on arrival day. I guess we all learn new things at different rates
JK
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JK
Assuming people have their banking and credit cards apps on their phones they should be able to see pending transactions as well which would confirm if a transaction has gone through. Within the last 2 hours I have made two transactions on two different cards and when I have just checked they both show as pending transactions. I don't wish to start another debate on the pros and cons of smartphones but it does illustrate their usefulness. If the site staff had missed the payment by as you say not scrolling to the bottom it would be a useful aide memoire for the member to just say it shows as a pending transaction? Just out of interest could you put a guess on the percentage of people that pay before arrival compared to those that pay on arrival?
David
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Because I'd read on here that others like me had received mixed messages about payments on CAMC correspondence I hung back doing anything about my final payment on a recent stay. There were 3 scenarios
- I could pay the balance on line
- Camc would take the final balance before arrival
- I could pay the balance in the site office
CAMC didn't take the final balance before arrival. My card number had changed recently and it was unlikely to work. I also didn't risk paying in advance with my new card in case a double payment occurred. I paid the balance in the site office.
It looks like everyone should check carefully, firstly all their booking correspondence and at point of sale. Thanks JK for your input as it's also a reminder to check things too.
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So, from what I can gather (note that's not an official term
) about 75% of bookings are paid before arrival and speaking to the arrivals on the 2 weeks we worked at Minehead, everyone except 2 were more than happy with it that way.Mistakes are easy to make, once when we were at Godrevy I was on reception and charged someone £2400 instead of £240! It wasn't until we cashed up and I had that "Christ we've made a shedload today" I realised my mistake. The member was duly contacted the next morning for a refund
JK
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Don’t know when you did your survey, but I know there was a lot of confusion early on with the box ticking set to auto pay and having to un tick if you wanted to pay on arrival this may have given a false number.
what I find awkward is no receipt to see wether the transaction is correct, I know that the tinwheelers of this age think everyone should have the electronic means to check but a receipt would be helpful.
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Screenshots, C'man, screenshots.
Incidentally, I don’t take the arrogant stance of thinking everyone should have a smartphone or tablet and I don’t know why you think that. There’s no doubt they make life easier though👍🏻
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I don't think I mentioned that I did a survey, but the information I posted came from a discussion with my regional manager this week.
JK
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We don't have the option to print receipts Steve. We're in a digital age now in which the club is slowly embracing thankfully. That obviously doesn't mean using paper
JK
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+1, I opt for digital receipts sent to my mail for my records & future needs.
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We usually decline paper receipts nowadays. Many businesses allow you to look back at your purchase records one way or another online, we found this invaluable when some lowlife broke into our garage and stole two very expensive bikes. Our local big cycle shop downloaded all our purchase details, and we were able to show our insurance adviser what had gone missing. That was quite a few years ago as well now, so I am guessing things are even better nowadays. We have tried to embrace new technology as much as we can and make it work for us. But it has to be good reliable technology. 😁
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Most will allow you to set preferences, rather than everything, and you don’t half get some freebies and offers with some😁 I get lots of money off some gardening and jewellery making suppliers. And delicious cheeses😁 I run a mile from Currys, and a few others admittedly.
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