Pet Peeves

[91/30]

I wouldn't really be sure what is considered as chai tea in Ireland, but chai is just an original word for tea(meaning a non English word). Guess I'll have to google it.

Just happened to stumble upon something interesting re this naming convention difference:
https://twitter.com/DannyDutch/status/1591694870346977282

I've seen this some days ago,it really is an interesting fact.

Chai sounds Hindi, cha is definitely Chinese. You can ask for a cup of cha and get green tea in return
 Nai cha is a sort of tea with condensed milk.

[Eoin McLove]

Work alerts about more Covid waves coming in December. Will this cunt of a thing ever fuck off!

[mickO)))]

AIB wankers blocking my card after one of my own transactions and then wanting a text response when I have no phone credit. Imagine being in an emergency and they pull this shit so annoying.

And also 24 hour phone banking has only been 9-5 because of the pandemic which has been over for what the best part of a year now. They up charges and reduce the services offered. Guess I am finally going to make the move to the credit union banking.

[StoutAndAle]

AIB wankers blocking my card after one of my own transactions and then wanting a text response when I have no phone credit. Imagine being in an emergency and they pull this shit so annoying.

And also 24 hour phone banking has only been 9-5 because of the pandemic which has been over for what the best part of a year now. They up charges and reduce the services offered. Guess I am finally going to make the move to the credit union banking.

See also Bank Of Ireland. My Visa Debit started acting up when I was on holiday in the US recently. It would work in shops/restaurants/pubs and at ATMs but not when I was using Uber etc. My credit card worked fine.

Called them when I got back because the debit card then stopped working on Amazon/Deliveroo/etc. to be told that my card had been blocked due to suspicious activity - not suspicious enough to block me using the fucking thing every day for two weeks all across the great city of Chicago to buy gig tickets, booze and burgers though.

"We did send you a text to approve the first transaction. We didn't get a reply so we put a hold on it."

"I never got a text or an email."

"Well we sent one to 08.." and then he proceeds to call out a number that isn't remotely close to mine.

"That's not my number"

"That's the one we have on file. Is it an old number?"

"I have had the same mobile number since I was 19. That's over 20 years."

"Are you sure?"

I think that these fuckers are trained to push you to lose the rag with them so that they can disconnect and leave you to deal with the shit on your own. But I said:

"Yes. I'm sure"

"Log into you online banking and check the number, then call us back"

"I'll do it now while you're on the line. Hold on for a moment"

The number was correct.

"OK, we have had some problems in our system of late. I'll update the credit secure team now. OK? Bye"

Why didn't he do this in the first fucking place?!



I would move to the Credit Union in a heartbeat if my branch offered a full online banking service rather than the basic one that they currently have.

[Carnage]

Best move I ever made in terms of banking. The app is a bit wanky but usable.

One thing I will say is that if you're opening an acciunt or applying for a debit card, do it in the branch, it took weeks to sort online, multiple phone calls to confirm this or that. Utilities bills and passport/licence, have them on you.

[StoutAndAle]

Best move I ever made in terms of banking. The app is a bit wanky but usable.

One thing I will say is that if you're opening an acciunt or applying for a debit card, do it in the branch, it took weeks to sort online, multiple phone calls to confirm this or that. Utilities bills and passport/licence, have them on you.

I have had an account with the Credit Union for years but it's for savings and loans - spent months trying to sort out a small-ish loan with BOI to do some work on my gaff - a house that I have a BOI mortgage for. After pricking around for ages, the person we were dealing with in BOI took redundancy and we were told that we would have to go back to the start, renewing all the application paperwork, payslips etc.

Went to the Credit Union and asked for pretty much the same amount. Basically it was a case of "Do you have an account? Do you have a face? Do you have a pulse? OK, here's the money."

For some reason my branch only offers online banking to the extent that you can check your balance and print a statement.

[Carnage]

Mine was the same until a couple of years ago, they upgraded everything then. Give it time, they seem to be upgrading them all as time goes by.

[warhead]

I'm trying to sort out a mortgage at the moment and am not sure if AIB or BOI are bigger asswipes.....

[Carnage]

My sister got one earlier this year. Had nothing but headaches trying to deal with AIB so gave up, found BOI easier to deal with, but still plenty of hoops to jump through. That said, it wasn' straightforward for her, she was buying her soon-to-be ex-husband out of the house so there were complications.

[warhead]

My sister got one earlier this year. Had nothing but headaches trying to deal with AIB so gave up, found BOI easier to deal with, but still plenty of hoops to jump through. That said, it wasn' straightforward for her, she was buying her soon-to-be ex-husband out of the house so there were complications.

Your sister had to jump through hoops? Yeah, that sounds about right. Sometimes(like 99% of the time) I have a feeling it is easier and more beneficial to be a welfare case.

[Caomhaoin]

Yes, the elation of 'oh wow I own my own house now' and 'I'm so grateful to the bank for trusting me, I'm a real human being' dissipate very quickly. Home ownership is better than renting in the sense that there is a certain 'feeling' of security etc, but cease paying the mortgage and you'll soon discover who the real owner is. I'm almost 40 and I still have 20+ years left on mine.

Oh and the running around, the making sure your bank account is healthy for several months and then basically kissing their feet for squeezing 6 figures in interest out of you over 25 years. Cunts.

I've got a pal in Nürnberg, he and his Mrs have excellent jobs yet would not consider purchasing a home as leases there are not designed to squeeze you as they do at home, you have fixity of tenure (leaving cert history term there) ,at least that's what he says.

[Eoin McLove]

Don't stop paying your mortgage. That's rule 1 of mortgage club 

[warhead]

Don't stop paying your mortgage. That's rule 1 of mortgage club 

I was under same impression whole my life, for some weird reason 

[Eoin McLove]

I assumed it was something every adult had been told about.

[Caomhaoin]

Yes, I just mean the ownership is kind of illusory until you've made the last second payment.