25 July 2014

Devil's Advocate

Archive for: February, 2009
Roger ElwellYes Please - Colchester

Incompetence and Ignorance Over Pension

27 February 2009  |  2845 views  |  1  |  Recommends 0

There is mucho incompetence over the pension issue that is in the Press at present. Our politicians are jumping on the bandwagon and either don't understand the issues, or are playing dumb for their own ends, and it's not very edifying to see this happen. The truth is that, in the RBS pension scheme, anyone who leaves is entitled to claim their p...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Leave Fred's Pension Alone!

26 February 2009  |  2664 views  |  0  |  Recommends 0

Picture the scene. “Hey, Tone. Many of of us don’t like the mess you left the country in, so you’re losing your PM’s pension.” “Maggie. Loads of your humble citizens think you wrecked the country when you were in charge. Say adieu to your pension. Oh, and by the way, you’ll have to pay back half of what you’ve received already.” “Johnny Bo...

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Roger ElwellYes Please - Colchester

Lending Controls, Yes - But The Cost Will Be High

23 February 2009  |  2337 views  |  0  |  Recommends 0

Most old-fashioned lending bankers would probably see the belated recognition that we need to reintroduce lending controls as a step in the right direction. For some time now, some of us have argued ...

TagsRisk & regulationRetail bankingGroupOnline Banking
Roger ElwellYes Please - Colchester

How to Pay the Bonuses

16 February 2009  |  2490 views  |  0  |  Recommends 1

So, we have contractual issues that mean lots of people in banks need to be paid bonuses. So be it. Pay them then, but here's how it should be done. 1) The first £5,000 in bonuses should be paid i...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Bank Bosses Let Off...Why?

11 February 2009  |  2621 views  |  1  |  Recommends 0

Admittedly, I only saw the news reports last night, but I can’t help having the feeling that the Treasury Select Committee missed a great opportunity yesterday. What the news reports showed was our l...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

When is 0.1 percent 'Healthy'? - Bank Insults Again

04 February 2009  |  2087 views  |  0  |  Recommends 0

You couldn’t make it up… Not content with insulting me over their loan offers recently (see previous blogs), my bank has now compounded the insult by mailshotting me with an offer to take out an inst...

TagsOnline bankingRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Locks on Cards - And Not Before Time

04 February 2009  |  2845 views  |  2  |  Recommends 1

The Handelsbanken announcement is most welcome. It's interesting how some ideas keep being revisited. I remember, a number of years ago, being involved in a feasibility study for a UK bank that want...

TagsCardsRetail bankingGroupOnline Banking
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