In message , at 10:01:04 on Tue, 17
Aug 2010, Adrian remarked:
Anyway thats besides the point - getting money back when a direct debit
has fouled up is a PITA.

Only if your bank is monumentally crap and breaching the DD Guarantee.

But only if the charge was a "mistake". Fraud is a deliberate act.
--
Roland Perry

In article
,
(David F) wrote:

How do you top up your oyster card then, magic?

Auto top-up. Any sensible person has this set up.

Not if the are an irregular user like me on a very small scale. I also
want receipts relating to actual journeys.

--
Colin Rosenstiel

"Roland Perry" wrote in message
news
In message
, at
02:48:59 on Tue, 17 Aug 2010, David F remarked:
No sensible person uses direct debit unless they really have to. And no
I'm not going to argue the toss over that one.

Well, it sends you an email every time it tops up - so if anything
untoward were to happen (it hasn't) I'd know about it.

Mine doesn't. Perhaps I need to call the helpline and ask them to fix
that?

You might have accidentally ticked the 'Hansen mode' box. Then the email
goes straight to GCHQ...

Paul S

On 17 Aug 2010 10:01:04 GMT
Adrian wrote:
gurgled happily, sounding much like they were
saying:

Anyway thats besides the point - getting money back when a direct debit
has fouled up is a PITA.

Only if your bank is monumentally crap and breaching the DD Guarantee.

Oh thats all well and good - until the company who did the direct debit
insists to your bank that it was a valid debit and your bank takes their
side instead of yours. Been there , done that, not going again.

B2003

d wrote on 17 August 2010 12:26:37 ...
On 17 Aug 2010 10:01:04 GMT
wrote:
d gurgled happily, sounding much like they were
saying:

Anyway thats besides the point - getting money back when a direct debit
has fouled up is a PITA.

Only if your bank is monumentally crap and breaching the DD Guarantee.

Oh thats all well and good - until the company who did the direct debit
insists to your bank that it was a valid debit and your bank takes their
side instead of yours. Been there , done that, not going again.

So, on the basis of one incident where your bank was crap, you think
everyone who uses direct debit is not sensible. That's not sensible, is it?

--
Richard J.
(to email me, swap 'uk' and 'yon' in address)

On Tue, 17 Aug 2010 15:01:11 +0100
"Richard J." wrote:
So, on the basis of one incident where your bank was crap, you think
everyone who uses direct debit is not sensible. That's not sensible, is it?

Well that and the fact that if you pay by cheque or credit card then you
can decide to delay payment if you want to. With a direct debit it just
comes out at a set date no matter what the state of your finances. How lazy
do you have to be to give a company direct access to your bank account just
to save yourself 2 minutes paying by another method?

Anyway , I can't be arsed to argue this one, if DD works for you then fine.

B2003

On 17 Aug, 15:01, "Richard J." wrote:
wrote on 17 August 2010 12:26:37 ...

On 17 Aug 2010 10:01:04 GMT
*wrote:
gurgled happily, sounding much like they were
saying:

Anyway thats besides the point - getting money back when a direct debit
has fouled up is a PITA.

Only if your bank is monumentally crap and breaching the DD Guarantee.

Oh thats all well and good - until the company who did the direct debit
insists to your bank that it was a valid debit and your bank takes their
side instead of yours. Been there , done that, not going again.

So, on the basis of one incident where your bank was crap, you think
everyone who uses direct debit is not sensible. *That's not sensible, is it?

Er, no; the suggestion before that was that anyone who has a reason
for avoiding direct debit is not sensible.

wrote in message
...
On Fri, 13 Aug 2010 08:02:53 -0700 (PDT)
David F wrote:
Of course, I'd probably just use my Oyster card in the first place.

How do you top up your oyster card then, magic?

Auto top-up. Any sensible person has this set up.

No sensible person uses direct debit unless they really have to. And no
I'm not going to argue the toss over that one.

B2003


No, they set up the auto top-up against a credit card where the consumer
safeguards are stronger.

--
DAS

d wrote on 17 August 2010 15:04:07 ...
On Tue, 17 Aug 2010 15:01:11 +0100
"Richard wrote:
So, on the basis of one incident where your bank was crap, you think
everyone who uses direct debit is not sensible. That's not sensible, is it?

Well that and the fact that if you pay by cheque or credit card then you
can decide to delay payment if you want to. With a direct debit it just
comes out at a set date no matter what the state of your finances. How lazy
do you have to be to give a company direct access to your bank account just
to save yourself 2 minutes paying by another method?

It's not a question of being lazy, and it's not just the 2 minutes per
transaction. It's not having to remember to make the payments. Last
year my bank account processed 125 payments by DD, that's about one
every 3 days on average. Not having to handle those payments myself is
definitely worth it to me, and I haven't had any problems with DD
payments for years. What I object to is your assumption that I'm lazy
or not sensible.

--
Richard J.
(to email me, swap 'uk' and 'yon' in address)

On 17 Aug, 09:49, wrote:
On Fri, 13 Aug 2010 08:02:53 -0700 (PDT)

David F wrote:
Of course, I'd probably just use myOystercard in the first place.

How do you top up youroystercard then, magic?

Auto top-up. Any sensible person has this set up.

No sensible person uses direct debit unless they really have to. And no
I'm not going to argue the toss over that one.

B2003

Auto top-up isn't paid for by direct debit. It is a recurring payment
authority (RPA). Two or three days after the card auto tops up, the
£20 or £40 is charged to the payment card saved against the authority.
http://www.tfl.gov.uk/termsandconditions/901.aspx