Becoming a cashless society

djl

kuohu wrote:

I'd be one of the people glaring at you!

i agree cheques are a pain and they slow everyone down :mad:

teedy23

cant argue with you Ivan as I dont know too much about it, but why are the small things ,that ordinary people do just to get by, scrutinisized so closely when banks, companies and services get away with grand theft every day of the week

IvanOpinion

Probably because if they didn't scrutinise the small things then the person on the receiving end of any fraud would find it a 'big' thing

Ivan

ShockingPink

I was out with a friend on Saturday and she took me to a lovely old-fashioned health food shop. I hadn't intended to go in, and ended up spending £16:rolleyes:

When I came to pay, I took out my card and was told they only accept cash or cheques! Had a fiver in my purse, friend had just spent all her cash as well. I had to go to the nearest cashpoint to get funds. I was sooo embarrassed!

I believe companies have to pay a fairly hefty sum to the banks for debit/credit card payments. Most of my local (small) shops have £5 or £10 minimum spends, or else a 50p fee applies.

teedy23

IvanOpinion wrote:

Probably because if they didn't scrutinise the small things then the person on the receiving end of any fraud would find it a 'big' thing

Ivan

oh Ivan, we are talking about some one who,s just bridging the gap for a couple of days, and most cards are only £100 quid which isnt even the sort of sum we,re talking about.:p

IvanOpinion

Some people get very excited about very small amounts ... they will spend hours/days chasing up that elusive 50p that has gone astray (just to prove a point to the bank ... I actually have a friend who ran up over £5 in telephone charges because of a mischarge that was less than £1 .. he kept telling me 'it was the principle of the thing').

It doesn't matter how small the amount is but if you were the one who had the money taken out of your account AFTER you reported your cheque book missing you would be asking why did nobody check. We have bred the society we deserve ... we continually look for short term gains and ignore the long term losses.

Ivan

anniecave

I was in tesco a few days ago and someone was paying by cheque, and I now understand why it was taking so long. I watched the person have to write what I think was their name and address on the back of the cheque, but they also seemed to be doing additional security stuff.

Honestly, they could have served 3 people in the time it took for this one person to pay by cheque.

Why don't the people who are writing cheques in advance of when they get paid just get a credit card (even one of the nasty high interest rate ones) and just pay it off in full all the time so they wouldn't get charged interest ?

Or am I missing something...

Also if the kids want fish and chips, why not cook them a proper meal for half the price, then after a few times you'd have spare cash ?
Suggestions for cheap meals...
beans on toast
jacket potatoes with butter and tuna

.......

MissSunshine

anniecave wrote:

Also if the kids want fish and chips, why not cook them a proper meal for half the price, then after a few times you'd have spare cash ?
Suggestions for cheap meals...
beans on toast
jacket potatoes with butter and tuna

.......

I wasn't saying I pay by cheque because I can't afford it, nor to tide us over to next payday!! My children are occasionally treated to a fish supper on the spur of the moment, I rarely carry a lot of cash, the chip shops' in a village and the nearest cash point's 10 miles away, so paying by cheque's handy.

Oh and my children can't stand baked beans

Ivan, I was rushing this morning, apologies, I've now rearranged my paragraph to make sense

Cheques are also handy now that eldest is at school, my 5 year old is too young to be responsible for money so he takes cheques to pay for school dinners, trips etc, or does everybody expect schools to take debit cards too?

Ken-Dodds-Hairy-Knodule

Cheques, cards - all the same, slowing the queue down.

pay by cash and get out of everyones way!!

Murray

ShockingPink wrote:

Most of my local (small) shops have £5 or £10 minimum spends, or else a 50p fee applies.

Most of the smaller shops local to me also have a surcharge if you spend less than £5 or £10. I was under the impression that it is against the law or some rules somewhere for them to enforce the surcharge though, maybe someone else can advise?? I certainly havent had the courage to stand my ground yet and I never have cash on me so usually end up spending more than I wanted to! Shops must love me :eek: