17 September 2014

Devil's Advocate

Roger ElwellYes Please - Colchester

Sowing The Seeds Of The Next Housing Bubble

13 September 2011  |  4043 views  |  0  |  Recommends 0

Here in the UK, mortgage providers are already sowing the seeds of the next housing bubble. I read in this weekend’s Telegraph about a product innovation that is ‘designed to help first-time buyers get on the housing ladder’. Expecting to read about how house prices would continue to fall to affordable levels, and thus enable people to actually...

TagsRisk & regulationRetail bankingGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

Charging for Use of ATMs

24 August 2011  |  4791 views  |  3  |  Recommends 0

I think the move to charging certain people for use of other banks' ATMs is deplorable - and we have been here before, only to see it dropped. Some of us remember that the introduction of ATMs was driven not only by customer convenience, but also by cost cutting initiatives. It was deemed cheaper to dispense by machine than it was to do so over t...

TagsCardsRetail bankingGroupTransaction Banking
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Roger ElwellYes Please - Colchester

Card Payment Charges: Not the Rip-Off the BRC Thinks

18 June 2010  |  4638 views  |  1  |  Recommends 1

What a joke. Does the BRC really believe that any transfer of profits from the banks to the retail community will be passed on to customers, as they claim in their latest attack on the banks’ char

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Credit Cards: Cashback RIP

15 June 2010  |  4146 views  |  2  |  Recommends 0

Are we witnessing the beginning of the end for cashback on credit cards? I recently received a letter from my credit card provider, advising that in future I will need double the points to obtain the...

TagsCardsPaymentsGroupTransaction Banking
Roger ElwellYes Please - Colchester

Beating Nationwide's Over the Counter Ban

13 April 2010  |  4619 views  |  2  |  Recommends 0

Brilliant initiative from Nationwide, to restrict peoples' in-branch access to their own cash. It ignores those who don't want to draw £100 or more out and don't trust cash machines (like many elderl...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

How Not to Fight Card Fraud

10 March 2010  |  4194 views  |  1  |  Recommends 0

Interesting to read that card fraud has taken a dive - a welcome development I guess for the industry, and for customers, who ultimately bear the cost and, when they are the subject of fraud, the worr...

TagsCardsOnline bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

A Debit Card Development that Could Cost Us A Packet

22 January 2010  |  4124 views  |  1  |  Recommends 1

I saw an interesting article in the Daily Telegraph the other day, which suggested that the Authorities are considering adding connected lender liability to debit card purchases. If this gains tracti...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Abolition of Cheques - I Hope the Banks Vote 'No'

23 November 2009  |  5272 views  |  6  |  Recommends 2

If the banks vote to abolish cheques without first working through all the relevant scenarios where they are used today, I think they will be performing a huge disservice to the British public. The f...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Bank Restructuring Wrong on so Many Levels

03 November 2009  |  4031 views  |  3  |  Recommends 0

"I believe what we have here is a better deal for the taxpayer," so says Alastair Darling. No it isn't. The best thing for the taxpayer is for these institutions to be nursed back to healt...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Using Card Readers for the Sake of It...?

16 September 2009  |  3674 views  |  3  |  Recommends 0

I had an interesting experience in my local bank branch the other day. I went in to withdraw cash (the ATM doesn't dispense £1 coins and £5 notes), only to find that the process had changed - signifi...

TagsCardsRetail bankingGroupTransaction Banking
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