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MikeWhite

marvin wrote: »

sadly, this time, he is absolutely right, the payee gets charged not the payer.

On the other hand if you did deliberately write bouncy cheques you would be committing a criminal offence.

I don't think he is, Lloyds say this:

Returned cheque If a cheque credited to your account is returned to us unpaid by another bank or branch, for any reason, we will debit your account, advise you and either return it to you or present it again for payment
No charge

marvin

MikeWhite wrote: »

I don't think he is, Lloyds say this:

Returned cheque If a cheque credited to your account is returned to us unpaid by another bank or branch, for any reason, we will debit your account, advise you and either return it to you or present it again for payment
No charge

No he was right in the principle of who gets charged, the rest is down to the policies of individual banks.

MikeWhite

marvin wrote: »

No he was right in the principle of who gets charged, the rest is down to the policies of individual banks.

Well that's just weird.

Let's say I write a cheque from a Lloyds account and it bounces. If it were paid into an account where the payee gets charged would we really both be charged? And vice versa, if that person paid a cheque to me, neither of us would be charged?

marvin

MikeWhite wrote: »

Well that's just weird.

Let's say I write a cheque from a Lloyds account and it bounces. If it were paid into an account where the payee gets charged would we really both be charged? And vice versa, if that person paid a cheque to me, neither of us would be charged?

No only the payee is at risk of being charged for the bounced cheque not the payer. It is then up to the payee to recover their costs from the payer. The cheque is a private matter between the payee and the payer. This is where cheque guarantee cards came from businesses would only accept a cheque if the bank issuing guaranteed to accept it. It then became a matter between the payer and their bank about unauthorised overdrafts.

MikeWhite

marvin wrote: »

No only the payee is at risk of being charged for the bounced cheque not the payer. It is then up to the payee to recover their costs from the payer. The cheque is a private matter between the payee and the payer. This is where cheque guarantee cards came from businesses would only accept a cheque if the bank issuing guaranteed to accept it. It then became a matter between the payer and their bank about unauthorised overdrafts.

Now I am totally confused. Lloyds say they will charge me (the payer) if I write a cheuqe and then it is returned due to me having insufficient funds to pay it.
This is what they say:

We charge each time we have to return a cheque unpaid or there is insufficient money in your account to pay a standing order or Direct Debit.

Am I completely missing something here? I feel like I am - sorry!

grayme-m

MikeWhite wrote: »

Now I am totally confused. Lloyds say they will charge me (the payer) if I write a cheuqe and then it is returned due to me having insufficient funds to pay it.
This is what they say:

We charge each time we have to return a cheque unpaid or there is insufficient money in your account to pay a standing order or Direct Debit.

Am I completely missing something here? I feel like I am - sorry!

Isn't that exactly what we are talking about here, you getting you cheque back, unpaid?

MikeWhite

grayme-m wrote: »

Isn't that exactly what we are talking about here, you getting you cheque back, unpaid?

My head hurts. I'm going to think about this again tomorrow!

marvin

MikeWhite wrote: »

My head hurts. I'm going to think about this again tomorrow!

I am not very good at explaining things, my wife tells me, I always assume people know things when they probably don't. I understand it can never understand why others don't.

NonGeographicalMan

I have checked with NatWest and apparently they won't charge me a fee if the just over £3 cheque from Ovivo bounces. They will only charge Ovivo a further fee if that happens and if of course Ovivo's account is no longer even still working at all they won't be able to do that either.

However I am sure from a bad experience years ago that NatWest did charge you, the payee, if a cheque paid in to your account bounced but perhaps they have changed that policy following complaints. In any event I am sure they will have recouped that lost unfair fee by numerous other new iniquitous practices such as now charging £6 per month just to be overdrawn on an Approved Overdraft, whereas previously you only paid the large interest rate involved until a few months ago.

So anyway I may as well try and pay in the cheque from Ovivo and see what happens but I won't be passing a bank to let me do that until Wednesday.

Regarding the enthusiasm for GiffGaff I really don't get it personally. I did a lot of work looking at all the options in January and I reckon the £10 per month Tesco Mobile 1 month contract deal with 500 minutes and 1Gb of data is actually a better bet if you only want to pay £10 per month.

Above all else if anything goes wrong with GiffGaff there is no customer service line you can call to have things put right.

flashnazia

NonGeographicalMan wrote: »

Also just to say that surely the most obvious suitable replacement network for those obsessed with cheapness at all costs and for anyone who does not mind having to suffer annoying advertisement as the price for being free is:-

https://www.sambamobile.com

They are only charging £5 for a SIM. Less than the cost of one month's service with any of their rivals.

I thought they are broadband only? Do they offer calls and texts too?