MSE News: MPs call for cheque guarantee card return

Lokolo

JuicyJesus wrote: »

You cannot respond to any of my points, so you are resorting to abuse and personal insults. Stay classy.

It's "Stay Classy San Diego" silly

noh

2sides2everystory wrote: »

Don't be so dense, noh. For example, what kind of person was your mother? Hardly typical I suspect and what would she have thought if she visited her local bank branch and they refused to serve her because she hadn't her card and PIN or worse, that she had her card and had forgotten her PIN? Was she the type to have said "oh silly me" or the type to have said "But you know me" or a different type altogether?

And you most certainly aren't typical of a current senior citizen even though you will inevitably become one. I am talking especially about anyone that has never worked in an office during the period in which personal computers were allocated to them individually - such people will be most unlikely to have a problem changing as rapid technological change will have been forced upon them at work after about 1990.

Unfortunately there is a significant senior citizen population who do not fit into that convenient bracket and who retired before they were forced to get involved in such stuff at work. And remember that in 1990s there were far more people retiring from real jobs rather than office jobs who would only come into contact with computers in terms of line printer output they could barely decipher, and new fangled bills that were hardly works of art.

Yet you dismiss the statistic much along the lines that there might only be one or two technologically illiterate veterans left and might be impatient to see them gone too.

I'm not the one being dense.
There will be fewer and fewer "senior citizens" left that refuse to use alternatives to cheques as time goes on that is a fact.

It also seems that the ones who claim they cannot get by without cheques even now are in the minority. See this newspaper article on the subject.


"Ros Altmann, director general of Saga, says: 'One fifth of people over 75 say they couldn't manage to pay their bills without cheques."

Lokolo

pinkdalek wrote: »

HOW DARE YOU! Just who do you think you are? Obviously someone who gets some sick pleasure in insulting people on a website, probably would not have the audacity to say it to Juicy Jesus face to face.

2sides, I suggest you just stick to hiding behind your Daily Mail, and leave this forum unless you can come up with constructive comments and not personal insults.

Just give up, trust me, I get bored of having to repeat crap to him all the time and then he just ends up insulting me when he has no response lol

pinkdalek

Lokolo wrote: »

Just give up, trust me, I get bored of having to repeat crap to him all the time and then he just ends up insulting me when he has no response lol

Yeah I realise that Lokolo :beer:

2sides2everystory

The young of today, eh? Who dragged them up? Some of us I suppose. How we must have failed.

I get bored of having to repeat crap to him all the time

Don't you think I get a little sick of hearing it, Lokolo? Take a look in the mirror - in another thread you asserted "Only 3 banks were bailed out" and I gave you a response which indicated that there was a lot more to it than you asserted. Still waiting on that one but here you are running with the hounds on this thread instead like some weekending banker yourself.

It also seems that the ones who claim they cannot get by without cheques even now are in the minority

YES you bloody little monsters, so they need protection and a voice if they are senior citizens, not a flippin' knock down on the basis that they are no longer the main event.

TheTruthMachine

2sides2everystory wrote: »

The abolition of cheque guarantee nonsense was just the right little push/excuse for retailers to take the easy route by making all purchases totally impersonal, and to enable them to employ a hoard of child labour to man the tills behind no-brain CHIP&PIN transactions. It means many retailers now discriminate against elder citizens who are not a fraud risk in the first place because they are careful with their chequebooks, and thereby they also toe the line preferred by their bank whose business banking charging system is also geared to dissuade retailers from accepting cheques.

Thats not very nice calling staff in retail establishments "Child labour"

As for the elderly not being a fraud risk. They (I have witnessed this myself in shops) either have their PIN written down, Say their pin out loud or carry their pin letter round with them

But I forgot, pointing that out makes me look like I am discriminating against the elderly.

masonic

Namecalling and personal insults are the clearest sign somebody has no point and knows that their argument carries no water.

2sides2everystory:
What is the difference between these two options:
1) Signing a cheque and then handing it over along with a cheque guarantee card
2) Handing over a Chip & Signature card and then signing a printed receipt

To me they involve exactly the same actions for the customer. If anyone has problems with Chip & PIN, they can simply ask their bank for a Chip & Signature card. Problem solved, no need to bring back cheque guarantee cards, but also no need to get rid of (unguaranteed) cheques since they still serve some purposes for merchants unable to process transactions involving plastic cards.

2sides2everystory

Actually masonic when I read your post last night I meant to say at first reading I quite liked the idea. I am sure something like that could be developed. But I also got to thinking that I believe there is still a small but significant number of bank customers who use cheques to obtain cash regularly at their local branch and for postal purchases/bill pay but at the shops they spend cash.

Sorry I didn't respond last night, but I got distracted by that superb BBC movie broadcast at nine on BBC2, 'Page Eight'.

By the way, with teenagers who are paid a pittance for working in the high street yet who undertake very adult roles and responsibilities, I know what I meant when I called them child labour.

masonic

2sides2everystory wrote: »

Actually masonic when I read your post last night I meant to say at first reading I quite liked the idea. I am sure something like that could be developed. But I also got to thinking that I believe there is still a small but significant number of bank customers who use cheques to obtain cash regularly at their local branch and for postal purchases/bill pay but at the shops they spend cash.

Sorry I didn't respond last night, but I got distracted by that superb BBC movie broadcast at nine on BBC2, 'Page Eight'.

The system already exists. It is called 'Chip & Signature' and is an alternative to 'Chip & PIN'. All banks should be offering Chip & Signature cards to customers who tell them they have trouble remembering and/or using a PIN.

2sides2everystory

But the banks don't do that, do they? My elderly parents lives have been temporarily on hold this last week whilst they wait for a PIN reminder or new PIN (they don't know which they are to expect).