http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.

Kevin

On 9 Jul, 12:57, Kev wrote:
http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.


Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?

If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).

--
John Band
john at johnband dot org
www.johnband.org

On Jul 9, 1:17 pm, John B wrote:
On 9 Jul, 12:57, Kev wrote:

http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.

Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?

If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).

--
John Band
john at johnband dot orgwww.johnband.org

Well my cheque cards aren't debit cards and the company account
doesn't have either a cheque card or a debit card. So I will be
stuffed.
Since I use a credit card I don't see what advantage a debit card
gives, except that if I lose it I will have to cover the cost of the
misuse whereas if a cheque is misused then it is fraud pure and simple
and down to the bank.

Kevin

"John B" wrote in message
ups.com...
On 9 Jul, 12:57, Kev wrote:
http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.


Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?

If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).


Yes I do - I refuse to have debit card on my current account - any dipping
into my money is limited to ME, by the time I get my statement it's going to
be much too late! Even more so when they go contactless (like Oyster) as
the criminals will just wave their thieving mitts near your wallet.

We have to make the stand NOW


Steve

On 9 Jul, 13:33, Kev wrote:
Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?

If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).

Well my cheque cards aren't debit cards and the company account
doesn't have either a cheque card or a debit card. So I will be
stuffed.

AIUI, company bank accounts don't ever have cheque guarantee cards.
They only exist for personal bank accounts. So your company can still
pay for your Tube tickets by cheque, if you want it to.

Since I use a credit card I don't see what advantage a debit card
gives, except that if I lose it I will have to cover the cost of the
misuse whereas if a cheque is misused then it is fraud pure and simple
and down to the bank.

It means you can spend money conveniently from your current account,
without having to mess about with an obsolete, time-consuming and
expensive technology.

Also, the position on fraud is *exactly the same* for debit cards and
cheques - if someone nicks your money, the bank will refund it once
you ask them and once they've investigated.

(personally, I'd trust "secure electronic encryption" over "a piece of
paper anyone can nick & write whatever they like on", but maybe that's
just me).

--
John Band
john at johnband dot org
www.johnband.org

Kev wrote:
http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.

Cheques? What are they? I've only used my cheque book about three times in
the last five years.

John B wrote:

Also, the position on fraud is *exactly the same* for debit cards and
cheques - if someone nicks your money, the bank will refund it once
you ask them and once they've investigated.

Up to a point - apart from the the fact that debit cards aren't covered by
the Consumer Credit Act, banks are less likely to rush to refund you as
it's your money not theirs as with a credit card.

E.

On Jul 9, 2:08 pm, John B wrote:
On 9 Jul, 13:33, Kev wrote:



It means you can spend money conveniently from your current account,
without having to mess about with an obsolete, time-consuming and
expensive technology.

Also, the position on fraud is *exactly the same* for debit cards and
cheques - if someone nicks your money, the bank will refund it once
you ask them and once they've investigated.

(personally, I'd trust "secure electronic encryption" over "a piece of
paper anyone can nick & write whatever they like on", but maybe that's
just me).

--
John Band
john at johnband dot orgwww.johnband.org

All of what you said can equally be done with a credit card and I can
get up to 4 weeks to pay it off, and I can use a cheque to do it with.
To be fair almost all my purchases are with a credit card.
Obsolete, well maybe but still does the job. Time consuming, do
cheques take that much longer than a debit card and whether it is a
cheque, credit or debit card by far the quickest way to pay is with
cash. My personal cheques are free so no disadvantage there.
Can't really pay my council tax, gas, electric, telephone by card
unless I want to spend forever on the phone. On line banking, not very
quick and I don't do dd's.
To me the big advantage with cheques is that I know where the hell I
am with them.

Kevin

Kev wrote:

All of what you said can equally be done with a credit card and I can
get up to 4 weeks to pay it off, and I can use a cheque to do it with.
To be fair almost all my purchases are with a credit card.

I do the same but make a single payment by electronic banking.

Obsolete, well maybe but still does the job. Time consuming, do
cheques take that much longer than a debit card and whether it is a
cheque, credit or debit card by far the quickest way to pay is with
cash. My personal cheques are free so no disadvantage there.
Can't really pay my council tax, gas, electric, telephone by card
unless I want to spend forever on the phone.

I've never paid any of those items by phone (in fact, I've never paid
ANYTHING by phone - far too slow). All of them are paid either by standing
order or by being directly billed to my credit card (and a lot more, like
health insurance/dental fees besides). I've never used my debit card yet.

On line banking, not very quick and I don't do dd's.

It probably depends upon your bank or building society. Mine is extremely
user-friendly and quick. I can sign-on, make my monthly payment, transfer
cash to my current account (from my high-interest Internet banking account)
and sign-off again in around 60-90 seconds. It would take me that long to
find a chequebook and pen.

In article . com,
John B wrote:
On 9 Jul, 12:57, Kev wrote:
http://news.bbc.co.uk/1/hi/business/6272606.stm

"London Underground said that fare dodgers will still be able to use
cheques to pay their fares, and fines, to ticket inspectors".
So only a fare dodger can pay by cheque. If I happen to lose my
ticket or I am mugged will I have to find some other means of payment
or would I become a fare dodger.


Does *anyone* still have a personal cheque guarantee card that isn't
also a debit card?

If not, then the difference that this makes to anyone is precisely 0
(since company cheques will still be accepted).

My debit/guarantee card will still guarantee a GBP100 cheque even when
I haven't enough funds to pay a GBP100 debit transaction.

Admittedly the bank will charge me about 80 quid in excess ripoffs if
I do that and the money isn't in my account three days later, but there
is a difference in the two functions.

Nick
--
http://www.leverton.org/blosxom ... So express yourself