Banks

Depends on the bike. I appreciate it'd be an expensive solution "just"
for getting the shopping in.

 

Fair point. I'd forgotten about DD. But I prefer to control what I pay:
*usually* it's the full amount, but on occasion it isn't.

 

See earlier reply

Didn't know that was an option, TBH. Every day's a school day.

 

What's the issue with doing it online then? All my cards have web sites
that allow me to view statements and make one-off payments. And my bank
account has an online facility that allows me to do most things without
direct intervention with bank staff. I even get a better rate of
interest on my current account as a reward for logging in at least once
a month.

Other than to TOG, I don't think I've had reason to write a cheque in
about a ten years. They're completely obsolete.

 

Hill climb entries.

--
+-------------------------------------------------------------------+
| Pete Fisher at Home: |
| Aprilia Shiver Yamaha WR250Z/Supermoto "Old Gimmer's Hillclimber" |
| Gilera GFR * 2 Moto Morini 2C/375 |
+-------------------------------------------------------------------+

 

I don't think I do, you know.

 

I was responding to Mr Auvache. Where did I say I used a cheque or was
particularly bothered? I only picked up the info from reading a
document at work and thought it worth sharing.

I rarely use cheques - to pay an annual insurance premium, a society
membership fee and credit card bills. I will carry on using them for as
long as the banks support them, how else am I going to pay the bills I
refer to above? - go the bank, withdraw cash from ATM and then hand over
the cash to the cashier? Sod that for a game of soldiers.

 

I guess it depends on how you define "substantial". I do my supermarket
shop by bus but then there is only me to buy for. I have previously done
the weekly supermarket shop by pedal bike (front and rear panniers) and
also by VFR (throwovers) and R1150GS (hard rear panniers plus cargo
net).

There are obviously some things which are so big and bulky that the
above modes don't work. If I'm lucky friends will take me in their car
or else I opt for delivery but it is often so expensive that it has to
be a really bulky and expensive item before I'll contemplate forking out
the cash. If it's a discretionary purchase then I'll simply not buy the
item - good way to save money.

 

Cold be wore....could hve spelt dog

and can't be arsed duble hiting the bum keys on this pot

 

No *wucking* fay! The number of times utility companies have
screwed up my bills[1] in the 11 years I've been in the UK, there's no way on
earth I'll let any of them near a variable debit scheme. They send me a
bill, I write them a cheque. Occasionally, if I'm caught overseas, I'll
do an internet transfer. But it's always me paying them, not them taking
money from me!

[1] Including the time the electrickery company *added* my credit to the bill!

--
Ivan Reid, School of Engineering & Design, _____________ CMS Collaboration,
Brunel University. Ivan.Reid@[brunel.ac.uk|cern.ch] Room 40-1-B12, CERN
GSX600F, RG250WD "You Porsche. Me pass!" DoD #484 JKLO#003, 005
WP7# 3000 LC Unit #2368 (tinlc) UKMC#00009 BOTAFOT#16 UKRMMA#7 (Hon)
KotPT -- "for stupidity above and beyond the call of duty".

 

Oddly, I've had no problems with utilities and DD in over 30 years -
except in early days when I had no money in my account; but then that
was hardly their fault.

One good use for cheques as far as I'm concerned is that I'm the
membership & admin secretary for an enthusiast group. Cheques cost us
postage only (83p for 100 at the moment) to bank. The debit/credit card
machine we use either costs us about 40p for debit cards or about 3.5%
on a credit card to process. So a lot more money from cheques stays
within our organisation instead of passing to the banks (which is
already to the tune of about £2k/year)

 

Ace wibbled forthrightly:

I'd check it, IIWY. What bank are you with?

 

CIC

 

Most of the travel insurance that includes winter sports that I've seen
on these "freebie" offers tends to only cover being on-piste. There's
no off-piste cover nor park/pipe cover.

It'd be interesting to see what you guys get.

 

The little corner shop in Southampton that does Honda parts is still
using one of those swipe machines with the carbon paper to take a credit
card imprint.

They have to ring up a number to verify it, of course, but he reckons
it's cheaper than getting in a proper chip-and-pin machine.

 

Heh. I saw one of those slidey-machines in use in Chile in January.

Better still, on last season's ski trip, the rep took our credit card
details by shoving a piece of paper over the card and rubbing it with
a pencil to get an impression, and then getting us to sign it.
Perfectly valid, apparently.

 

Oh, there are places, but then the bitch's voice pops up with,
"Unknown item in bagging area. Please remove before continuing." And
if you try to pay with paper money, it buzzes and spits it out unless
it's a brand spanking new bill straight from the mint. The last time I
used one, it saw I was buying paint and insisted I show my ID to the
human, in case I might be a teenage graffiti vandal. Friggin robots.
They only exist to save labor costs and put more cashiers on the
dole.

 

That surprises me a lot. The banks card more to process transactions
through the less fraud secure methods. So his transaction fees will
be a shitload more than if he had a chin'n'pin machine.

To be honest, I wouldn't use my card anywhere that still does stuff
like that. There's no reason for a retailer to holder your CC details
at all these days.

 

It'll allow certainly allow them to process a 'card-holder not
present' transactions. But frankly, if you're going to do that you
may as well just give them your actual card for all the security it
has around it.

It surprises me you'll do something like that, but not use a cashpoint