what is a "fair" unpaid Direct Debit charge?

posted_2

No it is my quote, in the wrong place, I suggest you also read things fully before posting.

Nathan_Spleen

posted wrote: »

No it is my quote, in the wrong place, I suggest you also read things fully before posting.

I do. And I also go to the trouble of making sure I attribute quotes to the source so it doesn't look like I'm misrepresenting the views of others.

It would be genuinely helpful if you would learn how to use the quote function.

posted_2

Thanks for your direction, the post was corrected one second after I hit the post button, and it was caused by a clipboard browser bug btw.

willo65

Nathan_Spleen wrote: »

I suspect he plucked the figure out of the air. Tesco pay way more than 7p for a tin of beans.

Ok I guessed at the figures but a store I used to work in charged 5x more for the product than they bought it for but thought that tesco paying 4p for a tin of beans wasn't likely.

willo65

Nathan_Spleen wrote: »

But it's not a matter of consumer choice as in most cases You HAVE to have a bank account to process you salary or benefits and as such personal banking is a utility and should be regulated as one. This is why the beans analogy doesn't stand up.

It has been said on many threads that options are available in these cases and I think from memory the options are post office and HSBC's basic account - so there is a choice why not use it.

Nathan_Spleen

willo65 wrote: »

It has been said on many threads that options are available in these cases and I think from memory the options are post office and HSBC's basic account - so there is a choice why not use it.

If you had actually read my post you would know that I was arguing that there is no choice in having a PCA or not - regardless of how it is structured. Clearly, buying a tin of beans is matter of choice and so your analogy goes nowhere.

Nathan_Spleen

willo65 wrote: »

It has been said on many threads that options are available in these cases and I think from memory the options are post office and HSBC's basic account - so there is a choice why not use it.

So let me get this right: you base this on ''I think from memory'' and this amounts to ''so there is a choice'' ? Hardly convincing is it?

posted_2

The choice is whether you run the account in credit or not.

willo65

Nathan_Spleen wrote: »

So let me get this right: you base this on ''I think from memory'' and this amounts to ''so there is a choice'' ? Hardly convincing is it?

I know accounts exist with no/little charges but from memory the institutions are .......etc etc

willo65

Nathan_Spleen wrote: »

If you had actually read my post you would know that I was arguing that there is no choice in having a PCA or not - regardless of how it is structured. Clearly, buying a tin of beans is matter of choice and so your analogy goes nowhere.

but you have to buy food to live whether its a tin of beans, a loaf of bread or a hot dog. So you have no choice in buying food.