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Banks,

they're driving me mad

Female
wonderoushen  Female  Gwynedd
30-Apr-2020 11:34 Message #4778522
Small businesses and sole traders get paid a lot in cash and cheques and need to have a branch within easy daily distance to bank takings, all but 2 banks only have branches in the county town in the centre of the island now, for many thats a 10-15 mile drive.
Male
BOYDEL  Male  Surrey
30-Apr-2020 12:05 Message #4778524
I was more looking at Personal rather than Business banking and I believe there is now a banking app for mobile phones which allows you to scan cheques - see link.

In the wider picture having poor access to services generally is a downside of living in a rural location - offset to some degree by cheaper property prices of course.

I remember Kirsty Allsop making latter point for London workers looking to buy property by telling them that every extra few minutes commute time they accepted would save them tens of thousands in purchase costs.

https://www.telegraph.co.uk/personal-banking/current-accounts/image-based-cheque-clearance-goes-live-today-banks-do-works/
Female
wonderoushen  Female  Gwynedd
30-Apr-2020 19:12 Message #4778566
Not everyone has a smart phone, and that still dosen't deal with the issue of people who get paid in cash.

My son has been seconded to work on the governments furlough scheme and he's spending a lot of time on the phone to business owners, who are quite successful who don't know how to use email, they either employ someone within the firm to do all the admin stuff or its all sent somewhere else off site. By the governments own calculations on using an app for contact tracing only 50% of the population has a smart phone, of that 50% how many actually know how to use them for more than faceache and twatter is anyones guess.

I don't think that its just a problem for rural areas either, many towns and cities have banks that are hard to get too or don't have a branch at all. Thats without taking into acount the areas with poor mobile reception, theres plenty of bits of Manchester that have very poor reception.
Male
BOYDEL  Male  Surrey
30-Apr-2020 20:08 Message #4778574
The alternative is to go back to the era when everyone was charged to operate a personal bank account - and a large enough charge would enable more branches/more staff - though after the internet era has come in to being businesses will be optimising their operations around that.

Of course some older business owners may be technophobes as you say - but over time that will be eradicated as pretty much all school leavers are now tech savvy.

As for CV tracing app even 5% of the population being tracked would be statistically pretty significant.
Male
fosy  Male  Leicestershire
30-Apr-2020 22:35 Message #4778583
boydel,

"In the wider picture having poor access to services generally is a downside of living in a rural location - offset to some degree by cheaper property prices of course."

i live in a town and my house is c.£200,000, to move to a village just 2/3mls away the same spec house is c. £220,000...housing has always been more expensive in the countryside.
its seen as an idyll which comes with a premium, despite fewer services.
Male
BOYDEL  Male  Surrey
1-May-2020 10:11 Message #4778600
Fosy

I assume yr own location is in a select location in Leics as looking on Rightmove at say 3 bed semis they start at c.£125k in Leicester itself but within 15 miles drop to £85k as a starting price - I used a 3 bed semi example as they are the most common property type in UK.

In similar vein for Hen - Gwynedd semis start from below £100k which is now 1/3rd of average UK property price.
Female
wonderoushen  Female  Gwynedd
1-May-2020 10:29 Message #4778603
It very much depends on where you live, you can get a 2 or 3 bed terrace for less than 100k in some of the scuzzier parts of places like Holyhead, but once you get to the nicer and more desirable places its quite a big jump in price. I think you actually need to spend some time in the places described to you, to see for yourself the difficulties as well as the pleasures and not rely so much on the limited sort of research you can do online. Rightmove is a great site, but it dosen't tell you the whole story, like how seasonal and insecure a lot of the employment is, its great that we live in an area where someone with a resonable salary can own a house and that a family can manage on a single income, but you've got to get that reasonable salary first and save for a deposit and rents are skewed by holiday lets.
Male
BOYDEL  Male  Surrey
1-May-2020 10:58 Message #4778612
Obvs as per the TV Locations x3 show - actual location is paramount even different sides of same street can have radical pricing differences.

In fact N Wales is a place I have visited around 40 times so hardly a stranger just doing remote online research.

For most people it is pretty obvious that places like Wales and indeed much of the West Country suffer from a major lack of well paid full time jobs - with many people consigned to min wage seasonal wok in retail/hospitality and the other half of the year as benefit claimants. In both locations of course wealthy retirees or others wanting a holiday home will be boosting local prices when homes are sold to highest bidder - thus mandating that in many cases young adults needing to make a career often have to relocate to larger towns/cities where 80% of UK pop live as that is where the jobs are.

Remote working may increase long term due to CV and that will enable people to buy bigger/better properties in cheaper locations - provided they have a fast internet connection.
Male
fosy  Male  Leicestershire
1-May-2020 11:23 Message #4778614
boydel,

i really dont know where you are getting your figures from, or from what year !

from the rightmove w/site;
"The majority of sales in Leicester during the last year were semi-detached properties, selling for an average price of £213,502. Terraced properties sold for an average of £173,702, with detached properties fetching £336,072...source HM Land Registry.This material was last updated on 6 April 2020."

you were right to assume a 3 bed semi, its in a nice area but not select.
if i came across a 3b semi for £125k i would snap it up, as that would be almost plot value only.
Male
Maglorian  Male  North Yorkshire
1-May-2020 11:34 Message #4778615
WH is perfectly right to want to bank the traditional/community way. Sadly the drive is to digitise and create a remote dependence on banking. The old way involves people and costs more, which is not good for share holders profit and divis.

I had to chuckle to myself though. Watching poor fosy turn the debate into property values and commodity fetishism.
Male
BOYDEL  Male  Surrey
1-May-2020 11:39 Message #4778617
Leicester centre has 3 bed semis at the £125k price point - but no doubt in locations you would not deem appealing - data from RMove this morning - both in town centre and as I said within a 15 mile radius for the cheaper ones I mentioned - and the figures are current asking prices per se not sold prices from the past...

Today's offerings for 3 bed semis in Leicester itself vary from £125k to £425k - whilst the dearer ones will of course be far larger than the cheaper ones as well as in better locations. Just being on a main road can drop the price by around 15% - vs same property on a side road close by.
Male
BOYDEL  Male  Surrey
1-May-2020 11:48 Message #4778619
Mags - as I flagged earlier there is a price to be paid by bank customers if they want to revert to staffing levels from say the 1960s/70s - ie before computerisation culled millions of white collar jobs.

Today if you keep a personal bank account in credit most people will not be paying any bank charges - unlike the earlier era.

Obvs for many yrs most of us prefer online/phone banking as it's instant and convenient and available 24/7 so the sector makes tens of thousands of bank staff redundant and shuts lots of branches.

Change is the only permanency in life...
Male
fosy  Male  Leicestershire
1-May-2020 15:02 Message #4778645
boydel,

yes,on first look you are right with the prices [3b semis], but like when buying anything that appears cheap there is usually a reason for it.

you are right about the areas being unappealing...had to smile when i saw one was on Cokayne Road, i,ll say no more ;¬)
however, its not just about area, another one was of non typical layout, one d/bedroom and 2 singles and as its ex rental i bet a pound to a pinch of snuff a double bedroom was converted into two bedrooms, as the sq. floor area is that of a two bed.

leicester has more than its fair share of "non standard construction" homes, of which a few of these cheap houses advertised are of steel framed or concrete build, extremely difficult if not impossible to get a mortgage on, and not the sort i would take a punt on, especially due to their ages now.
i,ll leave you to ponder what "major renovations" might mean to estate agents, i have my own take on that.

i,ll stand by my initial statement which brought about this conversation.
when i looked at "going rural", if i didnt want to have to add money to the purchase then the only option was to "drop a bedroom", due to the premium pricing of village properties.
the prices i quoted are for sound, ready to move into homes, in decent areas.
Male
BOYDEL  Male  Surrey
1-May-2020 17:31 Message #4778663
I don't know how Leicestershire prices fared since say 1995 (the last time we had bargain prices after the crash) - but in SE prices are up 5/5 fold since then - and parts of London up by 10 fold.

Conversely if Leics is similar to SE in terms of price changes it means the town centre places at £125k today were only £25k in mid 1990s - when UK average wage was around £17k and a semi was say 1.5 x average wage (though local wages would be a fair bit lower in fairness so a higher multiple).

As always the cheapest locations will be a magnet for the poorer households which brings the usual issues.

Back in 1995 a friend bought a cheap ex-Council repo flat in Windsor - and that had the solitary actual bedroom divided in two with timber frame panels - right across the only window and you could reach around the sill area in to the adjacent room. However it was a great investment like all property in SE and had she kept it till now - it would fetch around £215k versus the £45k she paid.

Female
wonderoushen  Female  Gwynedd
1-May-2020 19:07 Message #4778675
If you're familiar with N Wales and any rural area you should know that theres s difference in what rural means, theres what I'd term as deep rural places like here and villages within a commutable distance of a large town or three. Somewhere say in north Cheshire will be far more expensive because of the connectivity to Cheshire, Liverpool and Manchester than somewhere nearer here where the connection is to Bangor and other deeply rural areas.
Male
BOYDEL  Male  Surrey
1-May-2020 20:05 Message #4778679
Yes obvs the whole urban vs rural descriptors are both on a very long continuum with many grades along the way.

From Rightmove
"Last year most property sales in Gwynedd involved terraced properties which sold for on average £135,497. Detached properties sold for an average price of £262,878, while semi-detached properties fetched £168,457."

Semis are they most common type of UK property and at average £168k in Gwynedd are around 44% cheaper than UK average property price - whilst terraced properties at £135k are 55% cheaper than the overall UK average.

Occupational types in Gwynedd correlate very closely with both the whole of Wales as well as UK overall - though I imagine local salaries will be somewhat lower - official sources say average is 24% lower than UK overall - citing £28.4k for Gwynedd full time jobs vs £37.4k for UK overall (2018/2019 tax year data)

Of course overall some 25% plus of all UK jobs are part time and that will likely also apply in Gwynedd too - with most part time roles being at min wage and many also seasonal and supplemented with benefits - noting that over half of all UK households are net takers from the Tax/Welfare system.
Male
fosy  Male  Leicestershire
1-May-2020 20:52 Message #4778681
Maglorian, AvitoDauphine, Wandering4Fun, Witheflow, withgoodintent, et al.

im surprised you read my posts, whether or not with malice in mind, im really made up...;¬)

firstly, i will point out that i was not the one who introduced property to this thread.

if you look through the threads you will see that many go off at a tangent, if only briefly, and often it adds to the colourful tapestry of online life.
now we "normals" understand that this is quite an alien concept to single subject, obsessed political trolls who pop up from time to time, trying to inflict their misery on others...
but maggie, you are good for a laugh at the very least !

btw, i havent seen your cross dressing alter ego recently, have you had a barny with yourself ??

you take good care now, and get well soon...
Male
BOYDEL  Male  Surrey
1-May-2020 20:55 Message #4778682
Sounds like a typical Les Dawson Mother in Law joke - if she had a mirror she would pick a fight with herself lol
Male
fosy  Male  Leicestershire
1-May-2020 22:24 Message #4778689
youre not wrong !
lol.
Male
NotHermit  Male  Derbyshire
2-May-2020 00:05 Message #4778693
Old Less Dawson joke,
My mother in law never had a fly in her living room, never a fly in her living room!

She kept a bucket of shirt in the kitchen!
Female
JustLyn  Female  Cheshire
2-May-2020 09:53 Message #4778696
WH is perfectly right to want to bank the traditional/community way. Sadly the drive is to digitise and create a remote dependence on banking. The old way involves people and costs more, which is not good for share holders profit and divis.

I think it's a good move where rural communities have converted the local pub to become a Post Office / bank, food store, community centre. It's really good if communities can do it by contributing to it and have ownership, but then maybe some contribution from taxes would equalise a bit back to less densely populated areas.

I wonder if there is a national agency to help them do it, where a library bus could travel and swap books etc. and help people to set things up.

On the other hand, I don't think there is some underhand motivation from a big brain to blindly lead society into some form of subversive connectedness, we can't hold back progress and this needs to work alongside old style access points. I think big business will always want to try to infiltrate to monitor us, but in a way, this also provides work for people working for those organisations, often from home, in those communities we want to protect.

I was a pilot for First Direct Bank back in 1995 for Internet Banking, and I started my non-nursing degree with the Open University and laughingly now, in Information Technology through dial-up with a computer that did much less than even a basic Android does now, pre Pentium, and where typing an email involved using some programming codes to get the punctuation.
It's even better now with fingerprint access and I can do more from my Android phone than my Windows 10 laptop.
I don't like HSBC who owns First Direct but I've stuck with them because they have always had people I can understand at the end of the phone, the once a year I might need to phone them.

My son with autism, if I wasn't around, could not pay the occasional cheque he gets into a bank so he just never cashes them in the odd time he gets paid for a it of work from the Trafford Autism Group. But Sterling Bank are just introducing how you can take a picture of your cheque and and their system allows it to be recognised to accept the credit.

I think the problem with banks is yes, they are too big for their boots, but at the same time, the fear of big brother always has some negative dark and eerie assumption, but if the system changes for banks to be part of the support (and I don't mean giving away money) system, it's the philosophy that needs to change not the technology?

Sorry folks, but this does link to politics again!
Before someone says I want to live in a communist state, I don't. They seem to be run by dictatorships, but the link to politics is the perception of rights for no one to know where we are, what we are watching, who are we speaking to?
Then there is the perception of the big capitalist state wanting to cash in on us, flog us stuff.

But banking is part of our sharing system, they could be both technological and philanthropical to check the elderly and the isolated are still present and OK, and if we are tracking thieves and paedophile behaviour at the same time, then why does it matter if Microsoft or Amazon are watching I am trying to but a Rosemary plant?

As for housing, my ex council house is apparently now worth £250,000, even with the broken glass up the ginnels and the old sink on the pavement on the next road, but I think it is more complicated than rural v city.
Within 5 miles of Manchester there is Chorlton village that has a village feel but it isn't really a village any more, but a 2 bed terraced will set you back £300,000. You'd be happy to sit out with your cappuccino in one of the many bijou and quirky old fashioned shops.
If you go to Clayton, where I used to work, you could buy a much nicer terraced house for £70,000.
The difference is Clayton is still dragging it's reputation of being a bad area with muggings, families who have members
Male
Wandering4fun  Male  North Yorkshire
2-May-2020 09:58 Message #4778697
My bank has allowed you to photograph cheques for some time now. Not that I see many cheques.
Male
The_38th_Parallel  Male  Essex
2-May-2020 10:45 Message #4778703
I still use cheques for certain things .
Especially when it pays to have a paper trail, in case 'owt goes awry.

But I can't think of anything that would attract me to live "deep rural", wherever that might be, even if the property was a steal.
If doing so meant not having many of the things that elsewhere you might take for granted, e.g. easy access to a variety of shops, banks & other facilities, non-existent or bad internet connection or above basic mobile reception, no reliable (or any) public transport, under funded local authority services, more expensive fuel to name but a few.
And we know from here that that is exactly what it's like, lol.
I'm not saying they're the be all and end all, but life's difficult enough as it is, without having those sort of added hurdles to have to encounter every day.
Male
BOYDEL  Male  Surrey
2-May-2020 11:00 Message #4778704
Yes SG - it's a bit of a paradox that retirees often look to relocate to the country at a time of life when better levels of all the services you mention are most needed.

Sometimes you have a wife who has never driven and when she loses her husband who is normally a few years older and who also has 3 or 4 years lower lifespan that can leave such a person in a pretty isolated situation.
Female
wonderoushen  Female  Gwynedd
2-May-2020 11:27 Message #4778707
Not everybody's suited to country life, just as not everybody's suited to city life, being surrounded by noise and bustle, pollution and so many other people would drive me crazy. We have less crime here, people smile and say hello to each other in the streets, you get to know shop staff, theres no automatic assumption that you're a crazy axe murderer because you look some one in the face and smile. After my parents been here a couple of months they said they hadn't felt a sense of community like this since the 50's or 60's.


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