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• serious truck accident lawyer lundi, 20 janvier 2025 01:11

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• G2Gcash lundi, 20 janvier 2025 01:11

  RBS today admitted that it had failed to invest properly in IT
  systems for decades, as customers woke up to find money had
  been emptied from their accounts by a computer glitch.
  
  
  Supermarket trolleys full of food were abandoned, mothers were unable to buy
  milk for babies and motorists could not purchase fuel as the
  error also left Britain's shoppers high and dry last night.
  
  
  
  On the biggest online shopping day of the year, customers of the Royal Bank of Scotland (RBS) Group, which includes NatWest and Ulster Bank,
  were left unable to use their debit or credit cards.
  
  
  
  
  Problem: A computer glitch at NatWest left customers unable to use their cards or
  make online purchases
  
  Chief executive Ross McEwann insisted the bank was now investing heavily in building
  IT systems that its customers 'can rely on', adding that he was 'sorry for the inconvenience we caused'.
  
  
  On the first working day of the month and just three weeks before Christmas, some customers found
  their wages had gone missing and they had gone overdrawn as direct
  debits went out.
  
  
  
  
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  The problem - which lasted for around three hours between 6.30pm and 9.30pm
  yesterday - also affected use of the bank's cash
  machines, smartphone apps and websites, on 'Cyber Monday'.
  
  
  Other customers logged on to find they were overdrawn - when there should have been funds available in their accounts,
  but the bank said this had only happened to a small number of
  people.
  
  
  
  
  Shocked: RBS customer Rachael Horrocks,
  24, pictured at her workplace in Berkshire, found her account value was negative today, despite her having
  'a reasonable amount of funds in there yesterday'
  
  
  
  Mr McEwann said: ‘Last night's systems failure was unacceptable.
  
  
  
  CUSTOMERS COMPLAIN AT SPEED OF RBS RESPONSE ON TWITTER
  
  Customers complained that it took RBS and NatWest at least
  one hour to alert customers to the problem via
  Twitter.
  
  Once the details were made public, the banks were met with a tidal
  wave of frustration and anger from people stranded without money or turned away from tills.
  
  
  
  Many people complained direct to the Help Twitter feeds of NatWest and RBS.
  
  
  Andy Neillans said: ‘Can't believe it took so
  long to get an announcement out. Looks like
  issues for last one hour plus, and this is the first info.'
  
  And Samuel Cramer wrote: ‘I'm stuck - unable to either go home
  or go where I'm meant to be going, so hurry up with it.
  Switching banks first chance I get.'
  
  
  
  ‘Yesterday was a busy shopping day and far too many of our customers were let down, unable to make purchases and withdraw cash.
  For decades, RBS failed to invest properly in its systems.
  
  
  'We need to put our customers' needs at the centre of all we do.
  It will take time, but we are investing heavily in building IT systems our customers
  can rely on. I'm sorry for the inconvenience we caused our customers.
  
  We know we have to do better.
  
  
  ‘I will be outlining plans in the New Year
  for making RBS the bank that our customers and the UK need it to be.
  
  This will include an outline of where we intend to invest for
  the future.'
  
  As well as anger among internet users, people complained about being caught up in long
  queues at supermarkets and petrol stations as those affected
  struggled to find alternative payment methods.
  
  The bank has apologised to customers across the country who were hit by the problem.
  
  Reports of cards being declined began at 6.30pm - when many people go online to buy groceries after work.
  
  
  
  
  
  
  
  Not in use: A mother and baby pass an out-of-order NatWest cashpoint
  in the town of Olney, Buckinghamshire
  
  
  
  At 7pm, one customer reported NatWest cards being declined
  ‘en masse' at a supermarket in Kent.
  
  
  'I WAS FORCED TO CANCEL MY JOB INTERVIEW BECAUSE I HAD NO MONEY TO GET THERE'
  
  
  
  NatWest customer Natasha Lewis said her card was declined while getting petrol
  last night, which caused ‘a huge lot of grief as I knew I had
  money in there', and she had to call her partner to walk up to pay for it instead.
  
  
  But the 26-year-old nursery nurse from Birmingham experienced further problems this morning, being woken up
  by a text message that she was overdrawn.
  
  
  
  Since then she has had to cancel a job interview because she had
  no money to get there, and was not able to reschedule it.
  
  
  Ms Lewis told MailOnline: ‘I rang customer services, to be
  on hold for an hour to be told I took money out which was not in there.
  
  I explained I got paid that day and I checked my available balance
  first like I always do.
  
  ‘Then (the woman on the phone) told me that my money
  had disappeared and there were no signs of
  money going into my account yesterday. She wanted to take
  money out of my savings to cover it.
  
  ‘I said "no" as it's not my fault the money has gone, so I shouldn't have
  to pay. I had a job interview today which I've had to
  cancel as I've got no access to money to get there as my
  partner has the car. The bank is a joke.'
  
  She added that she will be changing banks if the problem
  is not sorted today, because she has a number of bills
  to come out tomorrow.
  
  
  Posts on Twitter included: ‘NatWest useful banking - really?
  
  Useless banking is more appropriate.' Another person tweeted: 'I'm pleased that Natwest has crashed.
  No, not that. Furious, that's it.'
  
  RBS customer Rachael Horrocks, 24, said: 'Just checked my account now this morning and
  my account was in minus, when I had a reasonable amount of funds in there yesterday.
  
  Today they just disappeared.
  
  The freight imports co-ordinator, who works in Colnbrook, Berkshire, near London Heathrow Airport, told MailOnline: 'I
  was ringing RBS for one hour this morning, only to be told that
  they don't know when they will be able to return services back to normal.
  Absolutely useless.'
  
  She said there was around £200 in the affected account when she checked at 4pm
  yesterday, but found it was showing -£65 when she woke
  up this morning.
  
  Ms Horrocks added later on: 'I have called again now and they have advised me that people should start seeing their money back in their accounts, but mine
  still has not been restored.'
  
  Another customer, Jill Gale, said she was affected last night and by the outage last year - and has finally
  had enough of NatWest, so switched banks this morning.
  
  
  The 34-year-old from County Durham told MailOnline: ‘My
  wages disappeared last year for three days and last night when I filled up my
  car I couldn't pay for my petrol.
  
  ‘Why should I carry £50 cash in my purse? Surely having my card and ensuring I have valid funds in the account should be enough.
  As it happens I had a separate Visa which I used.
  
  
  ‘But it is humiliating when it happens, even though the people
  behind me were in the same position - and two of them didn't have any other way of paying.
  
  
  ‘Needless to say, the first thing I have done this morning is change
  banks. My new bank will close my old accounts when the
  switch is successful, but not without a complaint from me first.'
  
  Meanwhile, a pilot and his crew who arrived yesterday in the
  Falklands for a two-month tour found once they reached their base that they could
  not use their cards when they went to a cashpoint to pay for dinner.
  
  
  The pilot's mother Sarah Prosser told MailOnline:
  ‘They all had to queue up to use a phone to call home to find out what was
  going on and to tell families that they could
  not access any money.
  
  ‘Not only are the poor lads away from home for Christmas, but they can't buy anything either.
  
  
  
  
  NatWest apologised for the glitches and told the Twitter community it was trying to resolve the situation
  
  
  
  ‘The least RBS/NatWest could do would be to fly some "Christmas cheer"
  down to them and sort their accounts out as soon as possible, as
  a way of saying sorry.'
  
  
  Q&A: WHAT SHOULD YOU DO NOW?
  
  HOW MANY PEOPLE WERE AFFECTED?
  
  It is believed around 750,000 people unsuccessfully tried to take out
  cash last night. Many more had problems with credit
  or debit card payments. And a small number of people have also found their accounts to
  be incorrectly overdrawn, the bank said.
  
  CAN I CLAIM COMPENSATION FOR THIS?
  
  RBS said it will consider claims for compensation on a ‘case-by-case' basis and
  insisted that if anyone has been left out of pocket
  as a result of the problems, ‘we will put this right'.
  But it will not reimburse people for inconvenience or time wasted, although it has apologised for this.
  
  If customers are unhappy with the response,
  they can then complain to the free Financial Ombudsman Service.
  
  
  HOW DO I GET IN TOUCH WITH THE BANK?
  
  The bank has asked everyone affected to get in touch.
  It can be contacted on the freephone numbers
  0800 151 0404 (NatWest), 0800 151 0405 (RBS), or 0800 046 5486 (Ulster).
  
  
  
  I'VE BEEN SENT AN EMAIL SAYING MY SECURITY DETAILS HAVE BEEN RESET
  
  There is a phishing scam trying to trick customers into giving away security details to fraudsters.
  Security experts are advising people not to click on the links in any
  email claiming to be from the bank. If you have concerns about this, you should call
  the bank
  
  HOW CAN I SWITCH MY BANK ACCOUNT?
  
  Switching bank accounts takes seven working days and
  all incoming and outgoing payments will be moved to your new account,
  by your new bank, MoneySavingExpert.com said.
  
  
  
  And NatWest customer Kim Forsdyke, 48, of Wraysbury, Berkshire,
  said: ‘Went to pay in a shop last night and card got declined.
  Put it in the cash machine and got declined.
  
  
  'Went for a meal for my daughter's birthday
  and card got declined again. This morning,
  went to log onto internet banking and cannot.'
  
  Woman, 21 of Streatham, south London, said: 'I was also unable to access
  my app yesterday for the times stated as well as even past
  9:30pm.
  
  'Also, I was trying to purchase a camera from Currys which was at
  a reduced price as a result of the recent Black Friday, and was unable to
  as it stated that the transaction was unsuccessful. Looks like
  NatWest will be losing a customer.'
  
  MailOnline reader Melissa, of Cheshire, said she was trying to buy Christmas presents online from
  clothing retailer Topshop, but 'because NatWest messed up, the transaction went through six times even though it got declined each
  time - and I got charged nearly £500'.
  
  Another reader, Keri, from Liverpool, said she was declined when trying to buy shopping today  - and then found her account was overdrawn and a £300 payment in had gone missing.
  
  
  ‘To try and save some embarrassment I tried to transfer money from my savings account into my
  current account, only to find they had lost the hundreds made
  into that account online on Sunday had also gone missing,'
  she added.
  
  ‘I went straight to the bank - resulting in me not only being late for work, but the
  time spent on the phone to the complaint department meant I
  had to request work allow me the day off - now more out of pocket.
  
  
  ‘I've got direct debits due this week to credit cards.
  Who knows whether they'll find the missing money or how long
  when they do. Worrying about my credit scoring now as well as everything else.'
  
  Megan Clarke, 20, who went shopping last night at the Trafford
  Centre in Manchester, had a fortunate escape after filling up her car with petrol before
  the glitch occurred.
  
  Trying to get money: Megan Clarke, 20, who went shopping at the
  Trafford Centre in Manchester last night, described seeing
  a queue by a cash machine, 'with many panic-stricken people'
  
  
  
  
  She told MailOnline: ‘My card got declined three times in a shop.
  I went to the cash machine and it said "unable to access account contact provider".
  A queue starting forming by the cash machine,
  with many panic-stricken people in need of money to get home.'
  
  Susan Allen, director of customer solutions at
  RBS Group, told BBC News today: 'We sincerely regret the inconvenience that customers have had.
  There have been some fairly horrible stories this morning about
  the inconvenience and distress caused for people out shopping yesterday evening.
  
  
  
  'If anybody is out of pocket, then we have made a commitment that we will make sure that everybody is put back in the right position.
  
  'It's very upsetting when you hear the stories, and I've talked to
  a number of customers and seen their stories
  this morning, so I can understand the frustration and anger
  that people are feeling.'
  
  She also told BBC Radio 5 Live: 'We put all our focus on getting it fixed and we now start the detailed work on what went wrong.
  We understand the impact on our customers.
  
  'It is completely unacceptable that customers couldn't access their
  own money. The investigations would suggest it is completely unrelated to the volumes on Cyber Monday.'
  
  A spokesman also told BBC Radio Four's Today programmethat for ‘even one customer not to
  be able to access their money was unacceptable'.
  
  
  The problems have rekindled memories of the meltdown the
  bank suffered in the summer of 2012, which delivered days of issues.
  
  
  
  
  Sale denied: Twitter users vented their frustration about the
  crash
  
  A technical glitch millions saw unable to access their salaries in what was branded one of the biggest IT failures at a
  UK bank.
  
  
  
  'I COULDN'T PURCHASE MILK FOR MY FOUR-WEEK-OLD BABY'
  
  
  
  A mother said she was left without milk for her four-week-old baby after the NatWest glitch.
  
  
  Kady Pike, 25, of Basingstoke, Hampshire, told MailOnline she
  went to a Tesco store last night to purchase milk for her
  child Ted, but her card was declined three times. 
  
  
  
  She then went to the cashpoint outside the store
  only to receive the message that the machine ‘cannot process request at this time'.
  
  
  
  
  
  
  
  
  Ms Pike said: ‘I have just suffered an acute cardiac arrest bought on by a suspected clot I my lung,
  so my trips outside of the house are very few and far between.  
  
  ‘Seeing that my card had been declined; naturally I panicked - a)
  My newborn baby needs his milk and b) What's happened to my money?'
  
  She then called NatWest but said the member of staff
  was unable to help further than putting her through to the customer service team.
  
  
  Upon calling them, she was put on hold for 10 minutes and eventually decided to hang up.
  Her father later went out to buy the milk.
  She added on BBC Radio 5 Live: 'We put all our focus on getting it fixed
  and we now start the detailed work on what went
  wrong. We understand the impact on our customers.
  
  
  
  Branches were forced to open late and on a Sunday
  to cope with the aftermath of millions of people unable to receive money or pay bills.
  
  
  A investigation by City regulator the Financial Conduct Authority into the outage last year is still ongoing.
  
  
  Yesterday's high profile collapse has dealt a further blow
  to RBS NatWest as it tries to rebuild its reputation after  that
  event and being forced into a taxpayer rescue during the financial crisis.
  
  
  Experts say Britain's bank customers could face increasing technical
  problems due to systems creaking under the weight of new technology and
  increased online payments.
  
  Banks were early adopters of  IT systems when technology was still young and still rely substantially on decades old platforms that have high levels of demand placed on them
  thanks to the internet age.
  
  MoneySavingExpert.com creator Martin Lewis said: ‘People
  have been left stranded and unable to get home, embarrassed in shops, and
  missed out on hot deals on the biggest shopping
  day of the year - all because NatWest, RBS and Ulster haven't got their act together.
  
  
  ‘This is at least the third time in the last
  18 months this has happened, and while thankfully it was
  shorter than last summer's almost a month-long
  outage for Ulster customers - it should still raise huge questions for customers.
  
  
  ‘Couple this not-fit-for-purpose technology with the fact
  its bank accounts are mostly far shy of the best-buy deals,
  and many of its customers should genuinely be looking to place their custom elsewhere.'  
  
  
  Iain Chidgey, from data management company Delphix, told MailOnline: ‘Software glitches are becoming more
  and more frequent in the banking industry. Often the cause is insufficient testing.
  
  
  ‘The databases in financial institutions are large
  and often more complex than in other companies. IT departments provide copies of databases
  for testing, but by the time a copy is available,
  the data itself is often old.
  
  
  ‘In our data-intensive world, data can be obsolete after only a couple of hours, but
  when refreshing just a single testing data set can takes days, the data will never
  be up to date enough for risk free testing.'
  
  And, following the technical problems, security specialist firm
  Check Point today warned customers to watch out
  for phishing emails which appear to have been sent by their bank.
  
  
  
  
  Cash machines have been affected and one customer reported NatWest cards being declined 'en masse'
  at a supermarket in Kent
  
  
  
  The company's UK managing director Keith Bird said:
  ‘Bank customers need to be very careful not to click
  on links in emails which appear to come from RBS,
  NatWest or Ulster Bank advising them about changes
  to account security, no matter how authentic the email seems to be.
  
  
  
  
  'DECLINED CARD MEANT I COULDN'T BUY ANY CHRISTMAS PRESENTS'
  
  
  
  Suresh Mekala spent more than £13 on a train ticket from Gloucester to Bath to do some
  Christmas shopping.
  
  But it was a wasted trip as the 29-year-old ended up having his NatWest card declined at several stores - and could not buy anything.
  
  
  
  
  
  He told MailOnline: ‘I never keep cash as I use my card to pay for all my transactions.
  
  But I had a really bad day - I went to my favourite shops got lots of shopping but my card was declined several times.
  
  
  ‘NatWest is the only bank account I have and no cash. My trip
  was for nothing.
  
  'I couldn't withdraw money from cash point or check my online banking.
  I'm really frustrated with the bank.'
  
  
  ‘Attackers have jumped at this opportunity to try and trick customers affected by yesterday's technical problems
  into revealing their bank details.
  
  'For those attackers, it's just a numbers game, but it could have serious consequences
  for customers. Phishing emails continue to be the most common source for social engineering attacks.'
  
  RBS, which is 80 per cent owned by the taxpayer after being rescued during the financial crisis, has also been under fire over the last
  week over allegations that it drove distressed firms to
  collapse to buy back their assets at rock-bottom prices.
  
  
  Trade union Unite, which represents RBS staff, called for the bank to
  halt its cost cutting programme - which has seen thousands of jobs axed and IT
  functions sent abroad - in the wake of the IT problems.
  
  
  National officer Dominic Hook said: 'It is unacceptable that the bank's customers are once
  again facing inconvenience.
  
  'Unite has grave concerns that staffing challenges are exacerbating the problems facing the bank.'
  
  Richard Lloyd, executive director of consumer group Which?, said: 'Yet again consumers
  are bearing the brunt of bank failures.
  
  'RBS must explain why these IT glitches keep happening and assure customers that they are doing everything to prevent it in future.
  
  
  'Banks' IT systems are not fit for modern banking purposes, and
  it's high time the Financial Conduct Authority
  took action.
  
  'Unhappy customers should also remember it is now quicker and easier to switch banks so they can vote with
  their feet.'
  
  
  IT'S A FEELING OF DEJA-VU FOR MILLIONS OF NATWEST CUSTOMERS
  WITH CYBER MONDAY'S FIASCO BEING THE LATEST IN A LONG LINE OF
  GLITCHES
  
  NatWest's slogan is 'helpful banking', but that phrase will leave a bitter taste in the mouth for many of its customers, with the bank suffering a spate of major IT glitches recently.
  
  
  In mid-2012 the technical meltdowns were so severe that Stephen Hester,
  the former boss of NatWest owner RBS, personally apologised for the
  issues.
  
  The IT problems led to payments going missing, wages disappearing and holidays and home purchases being
  disrupted.
  
  The bank kept 1,000 branches open late for one day in all major towns and cities to help frustrated customers.
  
  
  Mr Hester admitted that NatWest had let down its customers after hundreds of people vented their anger over the issue.
  
  
  The fiasco cost the bank some £175 million in compensation.
  
  And in October 2012 the bank had to suspend a mobile phone banking App feature called GetCash, after the service was subject to a spate of ‘phishing' attacks by
  fraudsters.
  
  The bank also had huge technical problems earlier this year when the mobile
  Apps used by two million customers to access their accounts from iPhones, Android smartphones and tablets failed.
  
  
  Millions of customers were locked out of their accounts for several hours as a result.
  
  
  
  
  
  
  GET PAID £100 TO MOVE BANKS - WHO OFFERS THE BEST DEALS?
  
  
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  Read our switching banks guide for step-by step advice on switching your current account.
  
  
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