2023/02/04
日替わり内室やってみた
はじめエロゲーだと思ってやってたら、結構奥深いアプリだった!
やるなら面倒くさいけど、チュートリアルちゃんとやらないと訳分からないまま進行することになってしまう。
〜様々なアプリを楽しむために〜
はじめエロゲーだと思ってやってたら、結構奥深いアプリだった!
やるなら面倒くさいけど、チュートリアルちゃんとやらないと訳分からないまま進行することになってしまう。
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by x poker играть 2025年1月20日 11:48 AM
Mourners at the funeral of victims killed in Sunday’s Coptic church
fire in the Imbaba neighbourhood of greater Cairo
Egyptians voiced outrage Monday over reports that firefighters and
paramedics took over an hour to respond to a blaze that
tore through a Coptic Christian church and killed
41 people.
Grief has spread over Sunday’s fire among Copts, the Middle
East’s largest Christian community, which makes up at least 10 million of Muslim-majority Egypt’s population of 103 million.
But many other Egyptians have also voiced outrage over the
disaster in the now scorched Abu Sifin church, located
in the greater Cairo neighbourhood of Imbaba west of the Nile River.
As debate flared on social media, one Twitter user charged that the reportedly slow response time “is not just negligence, it’s complicity”.
The charred Abu Sifin church located in the densely populated Imbaba neighbourhood west of the Nile
river
“My cousin’s children died,” video creator Moha El Harra said in a widely shared online livestream after
Sunday’s blaze, which was blamed on an electrical fault.
“I’m from the area. I know that the ambulance could have been there in three minutes. It took them an hour and a half.
“All we want is justice — for the local ambulance authority, the fire services,
civil defence. All of them need to be held to account.”
– Smoke inhalation –
Funerals were held in two Cairo churches for 41 victims of the fire that ripped through a Coptic Christian church during Sunday mass
Health Minister Khaled Abd el-Ghaffar had declared Sunday that “paramedics were informed of the fire at 8:57 am” and the first ambulance “arrived at the site at
exactly 8:59 am”.
But many challenged this, with eye-witnesses saying it took “an hour and a half” for emergency services to arrive.
“No, the ambulance did not arrive within two minutes,
” one local resident, Mina Masry, told AFP. “If the ambulance
had come on time, they could have rescued people,” he added, stressing that many lives were lost to smoke inhalation, not burns.
A statement from the public prosecutor’s office confirmed that asphyxiation caused all of the 41 deaths as the corpses bore “no other visible injuries”.
Another local witness, Sayed Tawfik, said that, as the inferno raged, some panicked people inside “threw
themselves out of windows to escape the fire”.
Fire in Cairo church
He pointed to a car parked on the street with a deep indentation which he said was “left by
a person who is now lying in the hospital with a broken arm and back”.
Residents said bystanders braved flames and smoke to save children from the burning building.
“Everyone was carrying kids out of the building,” said Ahmed Reda Baioumy, who lives next to the church. “But the fire was getting bigger and you could only go in once or
you would asphyxiate.”
– Child victims –
The public prosecutor’s office said that asphyxiation caused all of the 41 deaths as corpses bore “no other visible
injuries”
Slow response times of emergency services are not unusual in Egypt, where neighbourhood residents routinely improvise rescue efforts, even within the megalopolis of Cairo.
Smoke detectors and alarms and fire escapes are rare and in many areas, such as Imbaba, warrens of narrow roads make it hard for fire engines to reach disaster sites.
Baioumy, the neighbour, told AFP that firefighters were hampered by the church’s location “on a very narrow street”.
Egypt, with its informal residential areas and often dilapidated infrastructure, has suffered several deadly fires in recent years.
Most recently, a church went up in flames a week ago in the eastern Cairo district of Heliopolis, though no deaths or injuries were reported.
Egyptian police gather outside the Abu Sifin church after the blaze blamed on an electrical fault
Because the Coptic church fire happened during Sunday mass, when local families flock to the church and its daycare services, children were among the victims.
Though officials have not confirmed how many minors died, AFP correspondents at the funeral Sunday night saw several child-sized coffins.
Local media published a list from the Imbaba Hospital listing the names of 10 people killed who were aged under 16.
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The staff at London’s Dandelyan bar clearly didn’t rest on their laurels after coming second
in the World’s Best Bar Awards 2017.
Because it has been named the best bar in the world in 2018, MailOnline
Travel can exclusively reveal.
The Perrier-sponsored World’s 50 Best Bars awards was held
in a glittering ceremony at London’s iconic Roundhouse today –
and it’s London that dominates this year’s list, with
U.S watering holes also featuring heavily in the prestigious ranking.
Cheers! London’s Dandelyan bar, pictured, has been named the best bar in the world in 2018
Dandelyan, which is housed in the luxury Mondrian hotel, debuted on the top 50 list at No.50 in 2015, then jumped to No3 in 2016.
It was created by forward-thinking cocktail creator and bartender Ryan Chetiyawardana
Two of Dandelyan’s cocktail creations, left and right.
The focus of Dandelyan is ‘to bring a stylish neighbourhood
vibe to the glamour of the Mondrian Hotel on London’s Southbank,
with sustainability and nature to the fore’. Since opening in September 2014, Dandelyan has launched
five cocktail menus all with a focus on botany
And there was much rejoicing: The Dandelyan team celebrate their
bar being named the world’s best at London’s Roundhouse
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Hitting the right notes: Last year’s No.1, American Bar
at The Savoy, pictured, now claims the No.2 position
The staff at American Bar pose proudly in front of the bar.
It’s said to be one of the most historically important bars open today
The cocktails at the American Bar almost count as works of art.
This one is called Curtain Call
Dandelyan, which is housed in the luxury Mondrian hotel, debuted on the top 50 list
at No.50 in 2015, then jumped to No3 in 2016.
Created by forward-thinking cocktail creator and bartender Ryan Chetiyawardana,
the focus of Dandelyan is ‘to bring a stylish neighbourhood vibe to the glamour of the Mondrian Hotel on London’s Southbank, with sustainability and nature to
the fore’.
Since opening in September 2014, Dandelyan has launched five cocktail menus
all with a focus on botany.
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This week Mr Chetiyawardana posted a message on social media in which he
explained that the bar will soon be ‘killed off’ and reborn on the same site with the same team
but as a reinvented concept.
Overall, London celebrates 10 bars on the 2018 list, welcoming four newcomers – Scout (No.28), Three Sheets
(No.29), Swift (No.46) and Coupette (No.18), which
also wins the Best New Opening Award, sponsored by Thomas Henry.
Connaught Bar (No.5) also receives the Heering Legend of the List
title, which recognises the bar that has performed most consistently over the 10-year history of the
list. Last year’s No.1, American Bar at The Savoy, now claims the No.2 position, while established London destinations including Bar Termini (No.6), Oriole (No.17) and Happiness Forgets (No.35) also remain on the list.
The US boasts 10 bars on the list with The NoMad (No.4) in New
York crowned Best Bar in North America sponsored by Michter’s Distillery,
for the second consecutive year. New York’s Dante
cracks the top 10, climbing seven places to No.9, while Employees Only jumps 11 places back to No.26.
The city’s impressive line-up is completed by Attaboy (No.15), The Dead Rabbit (No.16), and BlackTail (No.41).
The US boasts 10 bars on the list with The NoMad (No.4) in New York crowned Best Bar in North America sponsored by Michter’s Distillery,
for the second consecutive year
The bar staff at The NoMad work their magic. The bar’s website says:
‘Award-winning Bar Director Leo Robitschek has created a beverage program that celebrates
classically-focused cocktails, while delving into two new arenas: festive, large-format drinks and a
selection of reserve cocktails crafted with rare spirits.
An extensive selection of both approachable and
sought-after wines and beers are available as well’
New York’s Dante, pictured, cracks the top 10, climbing seven places to
No.9, while Employees Only jumps 11 places back to No.26. The city’s impressive
line-up is completed by Attaboy (No.15), The Dead Rabbit (No.16), and BlackTail (No.41)
San Francisco is represented by two bars: Tommy’s (No.40) and Trick
Dog (No.44). Chicago celebrates a new entry on to the list with the debut
of Lost Lake at No.50. Miami’s Sweet Liberty climbs six places to
No.21 with the industry paying special tribute to John Lermayer, one of its founders who
sadly passed away earlier this year, with the Industry
Icon Award, sponsored by Seedlip.
Spain also has plenty to celebrate this year with two new entries on the list.
Paradiso from Barcelona enters the top 50 at No.37, having been named
the One To Watch in 2017, while Salmon Guru from Madrid enters at No.47
– a significant jump following its debut at
No.82 in 2017.
The city of Paris is represented by three bars again this year
with Le Syndicat jumping an impressive 10 places to No.24.
Little Red Door now sits at No.33 and Candelaria at No.42.
Miami’s Sweet Liberty, pictured, climbs six places to No.21 with the industry
paying special tribute to John Lermayer, one of its
founders who sadly passed away earlier this year,
with the Industry Icon Award, sponsored by Seedlip
Sweet Liberty’s interior is definitely on the hip side – it’s an industrial twist on the classic sixties diner theme
San Francisco is represented in the top 50 list
by two bars: Tommy’s (No.40) and Trick Dog (No.44). In this image the staff of Tommy’s
express their gratitude for featuring in the
ranking – and remind San Franciscans how lucky they are to
have them
Chicago celebrates a new entry on to the list with the debut of Lost Lake, pictured, at No.50
Singapore leads Asia’s ranking with five bars featured.
Manhattan (No.3) enters the top three and claims
the title of Best Bar in Asia, sponsored by Hennessy. Singapore is
also represented by Atlas (No.8), Operation Dagger (No.23)
and 28 HongKong Street (No.34), while Native jumps 34 places to No.13 to take the Highest Climber
Award, sponsored by Nikka Whisky.
To add to the city-state’s accolades, Singapore-based bartender Joe Schofield, recently of Tippling
Club (No.58) and now heading the Sensorium project, has
been named the Altos Bartenders’ Bartender for his ground-breaking flavour developments.
La Factoría in Old San Juan, Puerto Rico, comes in at No.36, while Mexico
City’s Licorería Limantour climbs to an impressive No.11.
Fifty Mils, also located in the Mexican capital, enters the ranking at No.45.
Florería Atlántico (No.14) from Buenos Aires, Argentina,
is named Best Bar in South America, sponsored by Asahi.
Joining the success in South America is Carnaval in Lima, Peru (No.68), which
takes home the Campari One To Watch Award.
Licorería Limantour, pictured, in Mexico City is the eleventh best bar in the world, according to this year’s awards
Florería Atlántico (No.14), pictured, in Buenos
Aires, Argentina, is named Best Bar in South America
Sante! Le Syndicat, pictured, in Paris, is the highest-ranking French bar on the
list
The exterior of Le Syndicat certainly gives nothing away about the cocktail-making magic that goes on inside
Singapore leads Asia’s ranking with five bars featured. Manhattan (No.3), pictured,
enters the top three and claims the title of Best
Bar in Asia
The exterior of Manhattan certainly makes a statement.
You know you’re entering a classy establishment as you
cross the threshold
Atlas, pictured, in Singapore ranks No8
on the list. But its interior is surely the grandest of them all
Drinkers at Atlas can quaff away in surroundings that are
fit for royalty. To add to Singapore’s accolades, Singapore-based bartender Joe Schofield, recently of Tippling Club (No.58) and now heading the Sensorium project,
has been named the Altos Bartenders’ Bartender for
his ground-breaking flavour developments
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The cross came in from Noni Madueke and this time, it did not fly over the
Cucu’s nest. Marc Cucurella met it perfectly for his first Premier
League goal in Chelsea colours, Enzo Maresca’s plan to pummel Brentford’s box with balls
finally earning them the breakthrough.
It set them on their way to moving within two points of Liverpool
at the top of the table, Nicolas Jackson scoring their second goal to give
enough daylight that Bryan Mbeumo’s late strike was nothing
more than a nuisance by the end.
Chelsea can temporarily overtake their rivals
next weekend, by virtue of their trip to Everton being played before Liverpool
take on Tottenham. December 3, 2021 was the last time this
club topped the table and when they weren’t chanting Maresca’s name, you could hear the home supporters at Stamford Bridge were singing:
‘We’ve got our Chelsea back.’
Maresca maintains there is nothing to see here, mind. Just
as actors will not speak the name ‘Macbeth’ for
fear it will bring a hex upon their heads, neither will you catch Chelsea talking of the title, their head
coach reiterating here: ‘I don’t think we are ready to compete.’ And yet, Liverpool sense something wicked is
coming their way, even if they have a game in hand.
It is a team, managed expertly by Maresca, that took full advantage on a weekend when every other result went
their way. Liverpool, Arsenal, Manchester City, they all faltered.
But Chelsea did not, even if Mbeumo did set up
the nervy ending.
The only downside to this victory was in stoppage time,
Cucurella was shown a yellow card for a crunching challenge and at full-time, he was handed another,
with a one-match suspension incoming. ‘I asked the referee
and he said the second yellow card was for a “bad attitude”,
‘ Maresca confirmed.
Chelsea moved two points off the Premier League top spot after beating Brentford 2-1
Marc Cucurella stooped to head home the Blues’ opening goal before half-time
Nicolas Jackson wrapped up a crucial victory after firing beyond goalkeeper Mark Flekken
Brentford boss Thomas Frank was unhappy with Cucurella for dropping down holding his
face to win a free-kick in stoppage time, accusing him of being a faker as he added: ‘I will say it
to Cucurella because I respect him massively.’
Cucurella’s sponsors Puma partook of some damage limitation after his two slips in their brand new boots led to Tottenham goals last weekend, launching a campaign with the tagline: ‘It’s not how
you slip, it’s how you bounce back.’
As clever as that marketing stunt was in midweek, Cucurella was not wearing the offending footwear here, which arguably
said more.
Back in a version he hoped would keep him vertical, Chelsea’s defenders refused to become
the latest team to let Brentford break through within minutes, as Manchester City, Tottenham
and others did. Instead, the best two chances of this spell fell to Jackson.
First, Malo Gusto’s cross led to a header which floated wide.
Then, Moises Caicedo’s long ball in behind found Jackson, who blasted the ball
directly at Brentford goalkeeper Mark Flekken.
Brentford’s best opportunity of the first half came after 29 minutes as Mikkel
Damsgaard seemed destined to score, only for Levi Colwill to
produce a lunging block, à la John Terry. Chelsea’s players gathered to congratulate
Colwill before arranging themselves for the corner.
Chances came and went for Jadon Sancho and Madueke, who pounced on Flekken’s
loose pass but was denied when Brentford’s goalkeeper made himself big.
Yet as per Chelsea’s crossing plan, it was in the 43rd minute when they struck.
The ball from Madueke was perfect, right into Cucurella’s path.
The man with the curly mop gladly accepted the gift as he headed beyond Flekken, his first Premier League
goal after 60 games. It is quite the redemption arc, as the
left back previously booed at Stamford Bridge for
being a £63million waste.
Cucurella’s effort set Enzo Maresca’s side on their way against the
battling Bees
His header bounced into the turf and found the far corner, leaving Flekken helpless
Jackson raced away to celebrate in front of supporters after scoring Chelsea’s second
Robert Sanchez tipped over an effort from Christian Norgaard as late nerves set in
The most crosses managed by Chelsea in a Premier League match this season were their 23 versus Nottingham
Forest.
The next nearest total was 15 against Manchester City.
In the first half alone here, the statistics said they fired 17 balls into Brentford’s box.
Though Madueke had provided the peach of a ball for Cucurella’s opener, he was having an otherwise frustrating night, too often surrendering possession. Pedro Neto was here watching from the
substitutes’ bench, but suspended after picking up five
yellow cards.
When Madueke won a corner, Chelsea hoped for a penalty given Brentford’s box resembled a WWE ring.
The refereeing team decided it was six of one and half a dozen the other.
In the 60th minute, Chelsea should have been two-up
when Sancho cut the ball back into the six-yard box.
Jackson was waiting on its edge, the goal entirely open. Yet he ballooned what should
have been a tap-in, a real head-in-hands moment which Chelsea fans feared they might be lamenting on their journeys home.
Sancho then tried to walk the ball into the goal in the 67th minute, even rounding Flekken with fast feet, but he
took too long with the chance.
Brentford began to push for the leveller and in the 73rd minute, Christian Norgaard thought he had
it.
Fabio Carvalho rattled the crossbar from just several yards out with his first touch
Jadon Sancho rounded the keeper but was unable to squeeze his effort into the empty net
Yoane Wissa denied Yoane Wissa from close range minutes before Jackson swept home
Cucurella was shown his second yellow card and was sent off
after a final whistle scrap
However, his volley was tipped over superbly by Robert Sanchez.
As nervous as Chelsea’s goalkeeper makes fans
with his feet, his hands are safe.
After 75 minutes, Jackson tried to seal the win, Flekken tipping
wide. Brentford went up the other end and with a cross of their own, Fabio Carvalho crashed the ball into
the crossbar.
But in the 80th minute, Jackson broke behind on to Enzo Fernandez’s
bending pass. With Pinnock trying in vain to stop him, he found the
bottom corner for 2-0.
Brentford made it 2-1 in the 90th minute, Mbeumo finishing a one-v-one.
Chelsea survived the late onslaught, though Cucurella was shown his two yellows amid
the chaos to slightly dampen spirits.
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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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