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Author: KevKev Date: Jul 9, 2007 04:57
http://news.bbc.co.uk/1/hi/business/6272606.stm
"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.
Kevin
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Author: John BJohn B Date: Jul 9, 2007 05:17
On 9 Jul, 12:57, Kev mwfree.net> wrote:> http://news.bbc.co.uk/1/hi/business/6272606.stm
>
> "London Underground said that fare dodgers will still be able to use
> cheques to pay their fares, and fines, to ticket inspectors".
> So only a fare dodger can pay by cheque. If I happen to lose my
> ticket or I am mugged will I have to find some other means of payment
> or would I become a fare dodger.
>
Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?
If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).
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Author: KevKev Date: Jul 9, 2007 05:33
On Jul 9, 1:17 pm, John B johnband.org> wrote:> On 9 Jul, 12:57, Kev mwfree.net> wrote:
>>
>> "London Underground said that fare dodgers will still be able to use
>> cheques to pay their fares, and fines, to ticket inspectors".
>> So only a fare dodger can pay by cheque. If I happen to lose my
>> ticket or I am mugged will I have to find some other means of payment
>> or would I become a fare dodger.
>
> Does *anyone* still have a personal cheque guarantee card that isn't
> also a debit card?
>
> If not, then the difference that this makes to anyone is precisely 0
> (since company cheques will still be accepted).
>
> --
> John Band
> john at johnband dot orgwww.johnband.org ...
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Author: Steve PurdySteve Purdy Date: Jul 9, 2007 05:53
> On 9 Jul, 12:57, Kev mwfree.net> wrote:>> http://news.bbc.co.uk/1/hi/business/6272606.stm
>>
>> "London Underground said that fare dodgers will still be able to use
>> cheques to pay their fares, and fines, to ticket inspectors".
>> So only a fare dodger can pay by cheque. If I happen to lose my
>> ticket or I am mugged will I have to find some other means of payment
>> or would I become a fare dodger.
>> >
> Does *anyone* still have a personal cheque guarantee card that isn't
> also a debit card?
>
> If not, then the difference that this makes to anyone is precisely 0
> (since company cheques will still be accepted).
>
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Author: John BJohn B Date: Jul 9, 2007 06:08
On 9 Jul, 13:33, Kev mwfree.net> wrote:>> Does *anyone* still have a personal cheque guarantee card that isn't
>> also a debit card?
>
>> If not, then the difference that this makes to anyone is precisely 0
>> (since company cheques will still be accepted).
>
> Well my cheque cards aren't debit cards and the company account
> doesn't have either a cheque card or a debit card. So I will be
> stuffed.
AIUI, company bank accounts don't ever have cheque guarantee cards.
They only exist for personal bank accounts. So your company can still
pay for your Tube tickets by cheque, if you want it to.
> Since I use a credit card I don't see what advantage a debit card
> gives, except that if I lose it I will have to cover the cost of the
> misuse whereas if a cheque is misused then it is fraud pure and simple
> and down to the bank.
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Author: Jack TaylorJack Taylor Date: Jul 9, 2007 07:30
Kev wrote:
> http://news.bbc.co.uk/1/hi/business/6272606.stm
>
> "London Underground said that fare dodgers will still be able to use
> cheques to pay their fares, and fines, to ticket inspectors".
> So only a fare dodger can pay by cheque. If I happen to lose my
> ticket or I am mugged will I have to find some other means of payment
> or would I become a fare dodger.
Cheques? What are they? I've only used my cheque book about three times in
the last five years.
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Author: eastendereastender Date: Jul 9, 2007 07:41
John B wrote:
> Also, the position on fraud is *exactly the same* for debit cards and
> cheques - if someone nicks your money, the bank will refund it once
> you ask them and once they've investigated.
Up to a point - apart from the the fact that debit cards aren't covered by
the Consumer Credit Act, banks are less likely to rush to refund you as
it's your money not theirs as with a credit card.
E.
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Author: KevKev Date: Jul 9, 2007 07:54
On Jul 9, 2:08 pm, John B johnband.org> wrote:> On 9 Jul, 13:33, Kev mwfree.net> wrote:
>>
> It means you can spend money conveniently from your current account,
> without having to mess about with an obsolete, time-consuming and
> expensive technology.
>
> Also, the position on fraud is *exactly the same* for debit cards and
> cheques - if someone nicks your money, the bank will refund it once
> you ask them and once they've investigated.
>
> (personally, I'd trust "secure electronic encryption" over "a piece of
> paper anyone can nick & write whatever they like on", but maybe that's
> just me).
>
> --
> John Band
> john at johnband dot orgwww.johnband.org
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Author: Jack TaylorJack Taylor Date: Jul 9, 2007 08:26
Kev wrote:
>
> All of what you said can equally be done with a credit card and I can
> get up to 4 weeks to pay it off, and I can use a cheque to do it with.
> To be fair almost all my purchases are with a credit card.
I do the same but make a single payment by electronic banking.
> Obsolete, well maybe but still does the job. Time consuming, do
> cheques take that much longer than a debit card and whether it is a
> cheque, credit or debit card by far the quickest way to pay is with
> cash. My personal cheques are free so no disadvantage there.
> Can't really pay my council tax, gas, electric, telephone by card
> unless I want to spend forever on the phone.
I've never paid any of those items by phone (in fact, I've never paid
ANYTHING by phone - far too slow). All of them are paid either by standing
order or by being directly billed to my credit card (and a lot more, like
health insurance/dental fees besides). I've never used my debit card yet.
> On line banking, not very quick and I don't do dd's.
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Author: Nick LevertonNick Leverton Date: Jul 9, 2007 11:27
>On 9 Jul, 12:57, Kev mwfree.net> wrote:>> http://news.bbc.co.uk/1/hi/business/6272606.stm
>>
>> "London Underground said that fare dodgers will still be able to use
>> cheques to pay their fares, and fines, to ticket inspectors".
>> So only a fare dodger can pay by cheque. If I happen to lose my
>> ticket or I am mugged will I have to find some other means of payment
>> or would I become a fare dodger.
>> >
>Does *anyone* still have a personal cheque guarantee card that isn't
>also a debit card?
>
>If not, then the difference that this makes to anyone is precisely 0
>(since company cheques will still be accepted).
My debit/guarantee card will still guarantee a GBP100 cheque even when
I haven't enough funds to pay a GBP100 debit transaction.
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