karohemd: by LJ user gothindulgence (Blofeld)
[personal profile] karohemd

OK, I haven't actually written any other parts (using that headline) but that's beside the point.

Today: The post office.
This morning, I went to the post office to send off a CD and only two people in the queue ahead of me (about 8 people) had business I would associate with a post office (sending a parcel and buying stamps), all the others handed in some form or other or picked up their pension or pay a bill.
As the name suggests, it's the post office, for sending and receiving mail, for purchasing stamps and other related material, nothing else.

An example I actually know about: Car tax.
Why do I have to fill in a stupid form, write an antique cheque and take them both to the post office to pay my car tax? It's now slightly more convenient for me as the post office around the corner from work now finally does car tax but previously, I had to go to the bloody one in town.
Why is there no way of paying this by bank transfer or even better, by standing order/direct debit (the standard method of paying bills in Germany for the last 40? 50? longer? years)?

Almost everyone has a mobile phone that has more processing power and memory than my first PC and high speed broadband internet but their banking (not to mention plumbing and other things around the house, but that's a completely different rant) is from the 19th century. I really don't get it.

ETA: What it boils down to is an inherit difference in mentality and the administrative (and social) structures/processes between this country and the one I grew up in.
And if I hear the term "historically" one more time as an excuse for why things are as they are, I'm going to scream. There is no reason whatsoever why things can't change, especially not in a period of 50 years or more.
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Date: 14/6/06 01:09 pm (UTC)
From: [identity profile] bibliogirl.livejournal.com
Car tax can now be done online (at least if you have an electronic MOT certificate, which should be everyone within the next few months). At the moment it's done in person or by post because you have to show other documents (specifically the MOT cert, and up until quite recently the insurance certificate -- that can now be checked electronically by the DVLA)

Many countries have non-postal services available at the post office; the UK is by no means unique.

Date: 14/6/06 01:10 pm (UTC)
From: [identity profile] bibliogirl.livejournal.com
(And you have been able to buy car tax by post for at least as long as I have been involved in paying it.)

Date: 14/6/06 01:11 pm (UTC)
From: [identity profile] borusa.livejournal.com
Why is there no way of paying this by bank transfer or even better, by standing order/direct debit (the standard method of paying bills in Germany for the last 40? 50? longer? years)?

Because it's also a point of checking that the car is insured and MOT'd. Of course, you can now buy it online, as they've moved the MOT system to being properly computerised.

Given that Post Offices have been providing other services than pure post-related activities for the last century or more, it shouldn't really come as a surprise to you.

Date: 14/6/06 01:11 pm (UTC)
From: [identity profile] lineoutrecords.livejournal.com
It's crap. It doesn't make it any easier that more and more post offices are being shut down.

Date: 14/6/06 01:13 pm (UTC)
From: [identity profile] faerierhona.livejournal.com
car tax can be done online, in person or by post. I just got my reminder...

As for banking, i can do everything in 2 minutes from my PC, and if I had a better phone could do it from that!

Date: 14/6/06 01:21 pm (UTC)
From: [identity profile] karohemd.livejournal.com
Car tax only recently, though. At least this means that I'll be able to do it when it comes round in October.

Oh, I can do that, too but online banking has only been working properly for a few years. There has been a jump from the dark ages of cheque writing to online banking with nothing in between. There are still people about who don't own/can't use a computer and don't have a net connection, they have to do use the antique system.
If I wanted to, say, pay a one off bill to my landlord's bank account and couldn't do it online, I could go to my bank and do it there but it would cost a horrendous fee (can't remember how much, it was about 10 years ago, but it was at least £15) because he's with a different bank. I don't understand what the problem is because a standing order wasn't a problem and free, too.

Date: 14/6/06 01:21 pm (UTC)
From: [identity profile] dr-wez.livejournal.com
Banks are historically pretty crappy for two reasons:


  1. They are late adopters - taking on a new technology means expenditure for them in making sure they aren't going to get a horrible black-eye when it turns out to have a huge and very obvious flaw in it.
  2. They are there to make money - allowing you to do simple, instantaneous transfers from A to B would mean your money spending less time in a "clearing" account, and so they'd be able to make less profit from investing clearing account funds...

Date: 14/6/06 01:25 pm (UTC)
From: [identity profile] faerierhona.livejournal.com
I have been doing car tax by post for years!

And as for the paying it in problem - that's your bank. I do that for free

Date: 14/6/06 01:27 pm (UTC)
From: [identity profile] karohemd.livejournal.com
Which would involve sending documents that should not leave the house (insurance and MOT) by registered post, IIRC.

Date: 14/6/06 01:29 pm (UTC)
From: [identity profile] karohemd.livejournal.com
Maybe I'm just too German...

Date: 14/6/06 01:38 pm (UTC)
From: [identity profile] karohemd.livejournal.com
To be honest, I haven't tried a bank transfer at my bank since I've got online banking, they might have changed that.

It went like this
Me: I would like to transfer £x from my account x to Mr y's account y at bank z.
Bank person: Sorry, we can't do that, that's a different bank.
Me: o_O!!!!
BP: What you could do is write us a cheque which we'll then transfer to the other bank and that'll be £s;ludicrous amount.
Me: Wouldn't it be easier if I just gave my landlord a cheque
Them: Or that.
Me: *leaves shaking head and wondering in which third-world country I had landed*
That was in 1996.

Date: 14/6/06 01:39 pm (UTC)
From: [identity profile] nina321.livejournal.com
There's nothing stopping you going to the DVLA to pay for your car tax. However, their queues are generally longer than in the post office.

As far as I'm aware, banking is just as easy on the internet as it is in the branch, and bills and that are generally paid by direct debit. Mine are anyway!

Date: 14/6/06 01:40 pm (UTC)
From: [identity profile] karohemd.livejournal.com
1. I would see your point if it were a few years, not 50odd.

2. So are German banks.

Date: 14/6/06 01:42 pm (UTC)
From: [identity profile] karohemd.livejournal.com
I'm not driving to Swansea or whereever they are and there is no branch in Cambridge.

Oh, direct debit has been available for years but it's not that everyone uses it. It's a lot easier for everyone involved but it's difficult to change the mindset.

Date: 14/6/06 01:43 pm (UTC)
From: [identity profile] belak-krin.livejournal.com
Everywhere (used to) have a Post Office - thus it is (was)the best place to hand out pensions, check taxes etc etc.

Was a great system until they started privatising and closing local branches

Date: 14/6/06 01:45 pm (UTC)
From: [identity profile] bibliogirl.livejournal.com
I can't remember what's specified on the form, and don't have one handy to look at since my tax isn't due any time soon, but it is possible to get duplicates of either of those documents if needed (I've had to do both at one time or another in the past)

Date: 14/6/06 01:46 pm (UTC)
From: [identity profile] faerierhona.livejournal.com
how weird - NEVER had that happen!

Date: 14/6/06 01:47 pm (UTC)
From: [identity profile] bibliogirl.livejournal.com
Direct debit is only really feasible for medium sized or larger companies. For small companies, accepting direct debits is an administrative nightmare. Bank transfers are generally fine, except in the occasional case when one bank's systems don't play nicely with another's and you wind up with a credit on your account and no idea where it came in from...

Date: 14/6/06 01:51 pm (UTC)
From: [identity profile] karohemd.livejournal.com
What's wrong with automatically paying my pension into my account?

Date: 14/6/06 01:52 pm (UTC)
From: [identity profile] karohemd.livejournal.com
It could just have been a stupid bank clerk. I never tried again afterwards as it was a one-off thing and could set up standing orders/direct debits for everything else.

Date: 14/6/06 01:52 pm (UTC)
From: [identity profile] new-brunette.livejournal.com
You've already had a torrent of people pointing out that car tax can be done online, so I won't repeat the point. More importantly, many small post offices provide community services, such as the distribution of state benefits and central bill payment to those people who've historically never had bank accounts - low-waged, weekly, paid in cash folk, pensioners, etc.

If you removed all of the other non-core services from the post office, it would make many more of them non-viable and they'd have to close, leaving a lot of people in a mess.

Date: 14/6/06 01:59 pm (UTC)
From: [identity profile] bibliogirl.livejournal.com
Not everyone has a bank account.

Date: 14/6/06 02:00 pm (UTC)
From: [identity profile] rirekon.livejournal.com
If you don't pick it up there's no evidence you're alive.

Date: 14/6/06 02:01 pm (UTC)
From: [identity profile] karohemd.livejournal.com
Yes, but only for less than a year, IIRC.

I guess what it boils down to is an inherit difference in administrative (and social) culture. The British dislike of change is a well known fact so certain processes have been kept despite being completely unnecessary and out of date.

Which brings me to another point of irritation: The word "historically" being used as an excuse for the state of things.

You know, sometimes I think that being bombed to oblivion and forced to rebuilt and restart from scratch would be a very good thing for a few other countries, too. It certainly helped Germany detaching itself from its past.

Date: 14/6/06 02:03 pm (UTC)
From: [identity profile] karohemd.livejournal.com
Oh, I remember, because nobody knows that you live where you live, you don't actually exist.
I could write a thesis about my rants...
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