Sorry, I meant from the 2 correlating threads.
Spread the cost might have been on the roadmap for a while, but when the details were released, people were generally more appreciative (despite it looking worse on paper).
I wasnāt - the rate is terrible compared to other options. Maybe that will change, maybe it wonāt. But right now theyāre not targeting individual transactions or messing up the feed; itās āhiddenā away in the account tab. Thatās fine as far as Iām concerned, Iām sure it will be useful to some to take a loan out with their bank.
Starling messed this up from day one, staring with the changing of the UI and putting these where people were managing their savings. From there it was all down hill.
Edit: and Monzo staff were up front and centre responding. Iāve yet to see a Starling response.
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Yeah, the Monzo testing is just for a loan. Iām not sure how spread the cost would work anyway. Youād have to make the purchase before knowing whether you would be accepted for the loan?
So you have already bought it why spread anything? Is it cheaper than Monzoās overdraft?
The difference will hopefully be, that Monzo wonāt be acting in a predatory manner. I wonāt be impressed if they start shoving ads for it in my feed. Let me know the service is there, and then leave me to turn it on if/when I want it.
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thatās not the difference in the product which is what I was asking, thatās the difference in approach
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They have responded, they did it by deleting or ignoring every comment. Kris comment whilst trying to be helpful is almost the polar opposite. It should be obvious to anyone (especially a bank) why pushing loans to people in their statement (feed or whatever means they use) is irresponsible. Sarahās comments where essentially just fire fighting the whole perception it was there because of declined transaction.
Also as pointed out by someone over there, itās a direct contravention of their ethicās policy.
All Banks that offer them advertise loans but there is a time and a place for it. Lloyds do it to me, they offer it in my online banking but NEVER in my account feed.
This is a little bit of an extreme argument but valid (i think) What if they did a deal with commuter club in the market place. Then for every TFL transaction on my card they could advertise CC. Advertising in someones bank feed is Yahoo scanning email for relevant adverts (sorry I am repeating myself from previous posts). This is not Google I will not pay for my banking through adverts and selling of my personal data.
disclaimerā¦ I copy and pasted that image from āover thereā to save me going to find it and screengrab it again
other disclaimerā¦ itās obvious to everyone I am pissed off with Starling, but I canāt talk about on their community without being censored and deleted by Annes Army. Iām happy to not post my feedback here if it annoys people
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āMake banking more inclusive by putting customer needs firstā - Aside from the loan debacle, how is charging Ā£20 for a bank statement, and Ā£60 if you lose your card abroad putting customer needs first?
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Empty marketing speak.
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The ethics statement Starling posted, which the community had to push for and took them ages to get up, is a complete work of fiction in my opinion. They donāt act in accordance with it and if they think they do then thereās something seriously wrong. It was written to say the right things to please people/shut them up.
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Why do they charge Ā£60 if you lose it abroad, surely the replacement is sent to your UK home address wherever in the world you lose it. Unless for that Ā£60 they send it out to wherever you are in the world (but Iām doubtful!). Seems a bit of a con.
They send it to you, wherever.
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Ā£60 is way to much, I can send something DHL Express to say Australia next day for Ā£20
It says on the website itās because itās a āhighly manual processā or words to that effect. Iāve no idea what that means though.
If it is highly manual thatās not the customers fault, it is possible to automate it, Credit Card providers have been doing it for years. For Ā£60 Iād expect it hand delivered by Anne herself, which I suppose would be a highly manual process. 
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To be fair they donāt have an online banking just the app.
agreed
Iāve been following the thread and it looks like there are some interesting suggestions over there but overall I suspect it will fall on deaf ears.
I can only assume Kris is now wading in as the issue is clearly not going away. I have no doubt he has the best of intentions and no complaints are ever personal, but heās openly admitted he doesnāt work on the product and doesnāt seem to understand the base of the concerns.
The product owner should be on there as the person responsible and the person capable of actually making changes. Unfortunately, weāve seen nothing of the person who launched loans and claimed was their product since the launch.
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Iām torn on this sort of issue since you talk of someone ācapable of making changesā. Sure, letās get the empowered bank people to consult the community but with Starling as with Monzo I will defend the right of the bank to make their own choices based on their own priorities.
I will equally defend the rights of customers to take their business elsewhere as a result of those choices.
What I struggle with is customers trying to drive the organisation. I get that itās hard not to when the organisation is āwrongā but thereās a line there somewhere that I think shouldnāt be crossed.
Does that make any sort of sense?
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I absolutely defend them making their own decisions, but to launch something as a product owner on a community, then never show up again despite a huge number of questions and issues is a whole different thing.
If they came back and said this is how weāre doing it because thatās how weāre doing it, thatās one thing, but to delete the discussion and never show up againā¦ 
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