howard mcsweeney1- Location: Dover
- Registered: 12 Mar 2008
- Posts: 62,352
#1
we all know that many shops and businesses do not accept cheques any longer.
age concern done a national survey to gauge the views of the over 55's, the response was very strong in that they wanted the cheque to remain.
i still use mine to pay bills by post.
what does the team think?
Guest 651- Registered: 12 Mar 2008
- Posts: 5,673
#2
I am on cheque number 6 of a book issued in 2006 !!
The cheque numbers have falled dramatically over the years, and they are one of the most costly methods of processing a payment. Alternatives will be found, perhaps more along the telephone route
Been nice knowing you :)
howard mcsweeney1- Location: Dover
- Registered: 12 Mar 2008
- Posts: 62,352
#3
mine is rarely used paul, however a young whippersnapper like yourself is in the digital and electronic age and brought up with the technology.
i do not have a credit card, use a debit card sometimes.
i will not buy anything that i cannot afford to pay for immediately, past the age of mortgages and the like.
i only use my debit card now and again when buying something in a shop, never use it over the phone.
mind you the last time i tried to use it over the phone was paying my council tax a year or so ago, had so many problems that i gave up and sent them a cheque.
just in case paul the fuhrer thinks that i am having a go, the same thing happened before that with "brutish gas".
Guest 657- Registered: 13 Mar 2008
- Posts: 3,037
#4
I'm on cheque 5 of a book issued in 2008.
Guest 686- Registered: 5 May 2009
- Posts: 556
#5
Most bills are paid by Direct Debit, shopping is mostly done using a Debit Card. I use a Credit/Debit card for on-line stuff fairly frequently too. I write about 3 or 4 cheques a year and for these occasions I don't have much choice in the matter.
It would appear, then, that the death of the cheque is a foregone conclusion; probably smartly followed by actual folding and rattling cash.
Those who are distainful of technology will have to adapt I suppose.
Phil West
If at first you don't succeed, use a BIGGER hammer!!
Guest 649- Registered: 12 Mar 2008
- Posts: 14,118
#6
Well I have about 3 books ayear and would be lost with out it.
Guest 690- Registered: 10 Oct 2009
- Posts: 4,150
#7
I`ve used 2 cheque`s in the last 2 years or so, and both have gone to JHG in the last month. (Will drop the second one this week John).
Tell them that I came, and no one answered.
#8
Can't remember how to write a cheque and used to get my secretary in Lagos to do them for me. All I had to do was sign them. Nigerians use a lot of cheques and are quite some way behind on the DD front. I haven't written a cheque in the Uk for over 5 years.
Guest 655- Registered: 13 Mar 2008
- Posts: 10,247
#9
I still regularly write cheques, milk bill and newspapers every month for example. From my business as well, several suppliers like to receive cheques. It is a lot cheaper from the business to pay on-line but not all small businesses like that. I also receive a lot of cheques through the businesess for new client registration fees for instance.
Guest 657- Registered: 13 Mar 2008
- Posts: 3,037
#10
I must admit I too still receive cheques. Many magazines and newspapers pay by cheque for articles, stories and photographs. I've only come across a few that want to pay directly to bank accounts.
Guest 693- Registered: 12 Nov 2009
- Posts: 1,266
#11
I use cheques for my business transactions and the reason I do so is a profound distrust of online banking. I'm on my second cheque book this year; I know I'm fighting the inevitable, but I will carry on using cheques as long as I can.
True friends stab you in the front.
Guest 675- Registered: 30 Jun 2008
- Posts: 1,610
#12
Have to say that the last cheque book I was sent is still in its envelope and buried at the back of the desk under a few years of accumulated paperwork.
Politics, it seems to me, for years, or all too long, has been concerned with right or left instead of right or wrong.
Richard Armour
Guest 651- Registered: 12 Mar 2008
- Posts: 5,673
#13
People have distrust, but don't think of things like the Direct Debit Guarantee Scheme... if you have any sort of dispute about money going from your account you can quote it to your bank and it should be immediately refunded.....
Been nice knowing you :)
howard mcsweeney1- Location: Dover
- Registered: 12 Mar 2008
- Posts: 62,352
#14
i am with andy on this one, i have a deep distrust of the internet with regard to bank details.
there will always be someone that is clever enough to outwit any secure payment system that comes into operation.
i still use cash withdrawn from bank machines for the vast majority of my purchases, and always shred any ministatement as soon as i get home.
always amazes me when i go to the machine and see a receipt or ministatement left there by the previous user.
Guest 690- Registered: 10 Oct 2009
- Posts: 4,150
#15
I`ve done internet banking now for nearly four years with no problems. It`s so convenient if I want to transfer a payment to anyone, and to see what my balance and transactions are at anytime of the day and night. I`ve found I can save better as well, just transferring over from one account to another. The gutter media probably pick up a story now and then and go to town on it, but with the millions of people banking online today, it`s got to be the most convenient way, whether you like banks or not. I appreciate distrust of things being forced on the individual, but this is the future.
Tell them that I came, and no one answered.
howard mcsweeney1- Location: Dover
- Registered: 12 Mar 2008
- Posts: 62,352
#16
i don't doubt that colin, it is just that we all need to do our transactions in a way that we feel comfortable with.
Guest 651- Registered: 12 Mar 2008
- Posts: 5,673
#17
I have brought and sold on eBay for 10 years (so I have just found out!) and have probably banked online, paid bills, transfers to individuals. I now also do the same on my mobile phone.
People are convinced that online dealing is dodgy, but so long as you have decent passwords and only go direct to bank websites and not click into emails then there shouldn't be a problem.
Not only is it very convenient, it is probably hundreds of times safer than dealing in cash or handing a card over....
Been nice knowing you :)
Guest 690- Registered: 10 Oct 2009
- Posts: 4,150
#18
I`ve done ebay as well for the last 5 years Paul, and never had any problems at all. I do know some people do, but they`re the exception rather than the rule. If internet banking was too risky, the cheque book would stay, and banks wouldn`t stand a chance of doing away with them. The day will come I`m sure when cash will also be a thing of the past, with everyone having some sort of electronic data card.
Tell them that I came, and no one answered.
Guest 655- Registered: 13 Mar 2008
- Posts: 10,247
#19
I use on-line banking extensively but you have to be careful with log-in information and not give any away. In addition there is spyware to be careful of. I scan for spyware with three different programmes in rotation and at least once a day.
Guest 690- Registered: 10 Oct 2009
- Posts: 4,150
#20
Just out of interest Barry, are they quick scans or full scans you do daily? My full ones take nearly 3 hours!
Tell them that I came, and no one answered.