What are friends for?
Rope
Daughter at Uni, couple of weeks ago, thought she had lost
her bank card, so reported it lost to the bank.
Found out that the previous day some one had emptied her
account via a Lloyds-TSB ATM - fortunately covered by CCTV,
which clearly shows Vickys 'friend' doing the deed.
She must have taken it when she was visiting Vicky that
Sunday.
Now the police are on the case and intend to prosecute for
theft and fraud.
The family, who used to be next door neighbours, now live
in another village about 5 miles away. They have already
bailed out their darling-daughter-who-can-do-no-wrong to
the tune of Ł20k with a second mortgage!
I can see a world of shit happening in the not to distant
future!
--
Rob_P
UKRM(at)indqualtec.co.uk
uppercase(d) BBIWYMC#1 BOG#11? MRO#31 IBCDBBB#1(kotl)
FJ1200, CCM130 Benelli Cabiolet
Easily confused.
Adrian
> Except to steal your bank card and empty your account!
>
> Daughter at Uni, couple of weeks ago, thought she had lost her bank
> card, so reported it lost to the bank.
>
> Found out that the previous day some one had emptied her account via a
> Lloyds-TSB ATM - fortunately covered by CCTV, which clearly shows Vickys
> 'friend' doing the deed. She must have taken it when she was visiting
> Vicky that Sunday.
>
> Now the police are on the case and intend to prosecute for theft and
> fraud.
There's one question that the bank are definitely going to ask in those
circumstances, which may well make life a little interesting.
How did the friend know her PIN?
> I can see a world of shit happening in the not to distant future!
Let's hope it's the right kind of shit for the right people, eh...?
wessie
> Except to steal your bank card and empty your account!
>
> Daughter at Uni, couple of weeks ago, thought she had lost
> her bank card, so reported it lost to the bank.
>
> Found out that the previous day some one had emptied her
> account via a Lloyds-TSB ATM - fortunately covered by CCTV,
> which clearly shows Vickys 'friend' doing the deed.
> She must have taken it when she was visiting Vicky that
> Sunday.
>
> Now the police are on the case and intend to prosecute for
> theft and fraud.
>
perhaps your daughter should be a bit more careful with her PIN?
--
wessie at tesco dot net
BMW R1150GS
antonye
>
> There's one question that the bank are definitely going to ask in those
> circumstances, which may well make life a little interesting.
>
> How did the friend know her PIN?
TBF, it doesn't take much to look over someone's shoulder and
watch them type it in, especially as you may be more "trusting"
of friends?
--
Antony
The Older Gentleman
<snip>
Move to a less pikey university.
--
BMW K1100LT Ducati 750SS Yamaha XT600E Honda CB400F
chateau dot murray at idnet dot com
"What you're proposing to do will involve a lot of time
and hassle for no tangible benefit."
Tosspot
Funny you should mention that, as an experiment, started in the spring,
I've been grabbing peoples PINs. My success rate is around 80%, with a
bit of margin for the "It's 1234, when it's actually 2234", but I dont
reckon, when I get it, I'm often wrong.
So, I recommend to the group, whenever in a Tesco queue, an ATM moment,
even a tankup, have a go at getting the pin of the person in front of
you. I guarantee you will be shocked how easy it is.
For an example, I saw a bloke type in his pin on a CC, I whispered in
the ear to the girl with me the number, and pointed out *my* card was
good for three large cash, how much did she think his was worth? It did
raise an ethical issue, whether to tell him he's a fuckwit, or smack him
and grab the crard.
Got a little old ladies this morning out of boredom.
antonye
>
> So, I recommend to the group, whenever in a Tesco queue, an ATM moment,
> even a tankup, have a go at getting the pin of the person in front of
> you. I guarantee you will be shocked how easy it is.
I've ranted at my wife a few times for not being more careful
when putting her pin in, especially as she's a one-fingered-typer.
I always cover the pin pad with my wallet - I have to get my
card out of my wallet and then put it back in, so I just hold
it over my pin hand - which I reckon makes it almost impossible
to see my pin as I type.
But you're right. I've often wondered what people would do if
you stood in the queue at the till/atm and spoke out loud the
number as they typed it... it's probably a good job that I'm
not brave enough to try it!
--
Antony
T i m
wrote:
>So, I recommend to the group, whenever in a Tesco queue, an ATM moment,
>even a tankup, have a go at getting the pin of the person in front of
>you. I guarantee you will be shocked how easy it is.
I was in the queue at an ATM this morning and the old dear at the
machine was obviously having big problems with something. Eventually
she looked round at me and said "could you help me check my balance
please dear?"
I gave her a push and she hit the floor like a sack of crap. Useless.
<I'll get me coat> ;-)
Grimly Curmudgeon
drugs began to take hold. I remember T i m <ne...@spaced.me.uk> saying
something like:
>Eventually
>she looked round at me and said "could you help me check my balance
>please dear?"
>
>I gave her a push and she hit the floor like a sack of crap. Useless.
>
><I'll get me coat> ;-)
The black hoodie with the fringe on top?
Here...
--
Dave
GS850x2 XS650 SE6a
"It's a moron working with power tools.
How much more suspenseful can you get?"
- House
Bo...@hotmail.co.uk
wrote:
Well hiding the pin can backfire too.
I have been hiding it for about 5 years, since
the fake front thing was first exposed.
I happened to be with a colleague round about then as I
did the hiding thing and they were most offended that I
did not "trust" them. No amount of explanation
seemed to be able to justify it to them.
Of course this is exactly the sort that it would seem a
decent plan to hide it from:-)
The Older Gentleman
Doki
"Rope" <sp...@ukrm.net> wrote in message
news:VA.000029f...@ukrm.net...
> Except to steal your bank card and empty your account!
>
> Daughter at Uni, couple of weeks ago, thought she had lost
> her bank card, so reported it lost to the bank.
>
> Found out that the previous day some one had emptied her
> account via a Lloyds-TSB ATM - fortunately covered by CCTV,
> which clearly shows Vickys 'friend' doing the deed.
Heh. A lass I know lived with a girl who asked to borrow her USB stick for
something or other. Said lass later borrowed the laptop of the USB stick
borrower and found all her third year essays on the PC, nicely labelled up
with various bits being lifted out here and there and stuck into the other
girl's essays.
How did the friend get the PIN?
The Older Gentleman
> You WHAT? I know you're completely paranoid about personal banking,
> but how the fuck can you manage without ATMs?
I don't actually use much cash. I cash a cheque for £120 or so once a
week, and that does me fine. I use CCs for just about everything.
>What do you do when you
> go abroad, FFS?
Take some cash, and use CCs for just about everything.
>Quite apart from the sheer inconvenience you must face
>having to go to bank counters all the time
Oddly, the queues for the ATM are frequently longer than they are for
the counters.
Catman
> antonye wrote:
>> Adrian wrote:
>>> There's one question that the bank are definitely going to ask in those
>>> circumstances, which may well make life a little interesting.
>>>
>>> How did the friend know her PIN?
>>
>> TBF, it doesn't take much to look over someone's shoulder and
>> watch them type it in, especially as you may be more "trusting"
>> of friends?
>
> Funny you should mention that, as an experiment, started in the spring,
> I've been grabbing peoples PINs. My success rate is around 80%, with a
> bit of margin for the "It's 1234, when it's actually 2234", but I dont
> reckon, when I get it, I'm often wrong.
>
> So, I recommend to the group, whenever in a Tesco queue, an ATM moment,
> even a tankup, have a go at getting the pin of the person in front of
> you. I guarantee you will be shocked how easy it is.
>
Innit just. Been doing similar for a while. I think it helps that I'm
quite tall...
--
Catman MIB#14 SKoGA#6 TEAR#4 BOTAFOF#38 Apostle#21 COSOC#3
Tyger, Tyger Burning Bright (Remove rust to reply)
116 Giulietta 3.0l Sprint 1.7 145 2.0 Cloverleaf 156 V6 2.5 S2
Triumph Sprint ST 1050: It's blue, see.
www.cuore-sportivo.co.uk
Tosspot
> Ace <b.ro...@ifrance.com> wrote:
>
>> You WHAT? I know you're completely paranoid about personal banking,
>> but how the fuck can you manage without ATMs?
>
> I don't actually use much cash. I cash a cheque for £120 or so once a
> week, and that does me fine. I use CCs for just about everything.
A WHAT!? You cash a what? Hands up who still got their cheque book.
>> What do you do when you
>> go abroad, FFS?
>
> Take some cash, and use CCs for just about everything.
Now that is strange, I'd *much* rather use an airport/bank atm than use
my CC abroad. The chances of it getting cloned are just far too high.
>> Quite apart from the sheer inconvenience you must face
>> having to go to bank counters all the time
>
> Oddly, the queues for the ATM are frequently longer than they are for
> the counters.
I'm still wibbling about cashing cheques, the queues I can handle.
Bear
Older Gentleman says...
> Ace <b.ro...@ifrance.com> wrote:
>
> > You WHAT? I know you're completely paranoid about personal banking,
> > but how the fuck can you manage without ATMs?
>
> week, and that does me fine. I use CCs for just about everything.
You, sir, are fucking *weird* :)
It's like a throwback to a bygone era :)
--
2002 Yamaha R1
Saab Aero Sport
M J Carley
>The Older Gentleman wrote:
>> I don't actually use much cash. I cash a cheque for £120 or so once
>> a week, and that does me fine. I use CCs for just about everything.
>A WHAT!? You cash a what? Hands up who still got their cheque book.
Moi. They're very handy for paying bills.
--
Differenza fra il rivoluzionaro e il cialtrone. Il rivoluzionario
rompe l'orologio e invece di presentarsi alle nove si presenta alle
nove meno cinque. Il cialtrone rompe l'orologio e si alza alle undici.
Michael Carley: http://people.bath.ac.uk/ensmjc/
Champ
Older Gentleman) wrote:
>Ace <b.ro...@ifrance.com> wrote:
>
>> You WHAT? I know you're completely paranoid about personal banking,
>> but how the fuck can you manage without ATMs?
>
>I don't actually use much cash. I cash a cheque for £120 or so once a
>week, and that does me fine.
You *cash a cheque*?!?!?! What, in the bank itself?!?!?
Christ, I don't think I've done that since about 1984.
Weirdo.
--
Champ
Two standard issue crutches
To email me, neal at my domain should work.
The Older Gentleman
>
> Now that is strange, I'd *much* rather use an airport/bank atm than use
> my CC abroad. The chances of it getting cloned are just far too high.
It happened once, in South America, but why should I worry? It's not my
money, is it? It's the bank's.
And there seem to be a lot of ATM probs these days. Lebanese loops,
shoulder surfing, etc.
The Older Gentleman
> You *cash a cheque*?!?!?! What, in the bank itself?!?!?
Well, in the Nationwide BS, actually. If I want £120 cash, I pay in a
cheque for £125-130, and the surplus goes to swell my BS account.
Tosspot
> Tosspot <Frank...@esa.int> wrote:
>
>> Now that is strange, I'd *much* rather use an airport/bank atm than use
>> my CC abroad. The chances of it getting cloned are just far too high.
>
> It happened once, in South America, but why should I worry? It's not my
> money, is it? It's the bank's.
Yeah, but it's the hassle factor when it stops working and the issuer
says you need a new one, and you say "But I'm in South America"[1], at
least with a bank card its a quick phonecall to get the limit increased.
> And there seem to be a lot of ATM probs these days. Lebanese loops,
> shoulder surfing, etc.
That is slightly concerning, but I get around this by not using pikey
atms. Still each to his own, interesting the paranoia persists, but
over different aspects of essentially the same thing, card fraud.
[1] Having lost CCs in the middle of Spain I can testify how much of a
pain this is.
darsy
Gentleman) wrote:
> Champ <n...@champ.org.uk> wrote:
> > You *cash a cheque*?!?!?! What, in the bank itself?!?!?
>
> Well, in the Nationwide BS, actually. If I want £120 cash, I pay in a
> cheque for £125-130, and the surplus goes to swell my BS account.
you mean you pay in a cheque from your bank into your BS?
You're a loony.
--
d.
TOG@Toil
>
> >> Now that is strange, I'd *much* rather use an airport/bank atm than use
> >> my CC abroad. The chances of it getting cloned are just far too high.
>
> > It happened once, in South America, but why should I worry? It's not my
> > money, is it? It's the bank's.
>
> Yeah, but it's the hassle factor when it stops working and the issuer
> says you need a new one, and you say "But I'm in South America"[1], at
> least with a bank card its a quick phonecall to get the limit increased.
>
> > And there seem to be a lot of ATM probs these days. Lebanese loops,
> > shoulder surfing, etc.
>
> That is slightly concerning, but I get around this by not using pikey
> atms. Still each to his own, interesting the paranoia persists, but
> over different aspects of essentially the same thing, card fraud.
Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM
and forced to withdraw cash :-)
>
> [1] Having lost CCs in the middle of Spain I can testify how much of a
> pain this is.
I keep CCs separate. Between my three main cards, I have a credit
limit of about 40k. If one goes AWOL, I'm still OK.
TOG@Toil
>
> How did she know the pin?
So-called mate, out shopping together, looks over shoulder... Who's
going to think a best mate is gonna defraud you?
TOG@Toil
Adrian
like they were saying:
>> > And there seem to be a lot of ATM probs these days. Lebanese loops,
>> > shoulder surfing, etc.
>> That is slightly concerning, but I get around this by not using pikey
>> atms. Still each to his own, interesting the paranoia persists, but
>> over different aspects of essentially the same thing, card fraud.
> Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM and
> forced to withdraw cash :-)
But can you convince the mugger that it's not just a really crap attempt
to get out of being robbed...?
Catman
> On Tue, 07 Oct 2008 08:55:56 +0100 in uk.rec.motorcycles, Tosspot
> says:
>
>> The Older Gentleman wrote:
>>> Ace <b.ro...@ifrance.com> wrote:
>>>
>>>> You WHAT? I know you're completely paranoid about personal banking,
>>>> but how the fuck can you manage without ATMs?
>>> I don't actually use much cash. I cash a cheque for £120 or so once a
>>> week, and that does me fine. I use CCs for just about everything.
>> A WHAT!? You cash a what? Hands up who still got their cheque book.
>
> it's cheque or c.£100 cash, ditto the airport valet parking service I
> use at Gatwick and finally my Doctors is cheque payment for chargeable
> stuff.
>
>
I know where mine is. Chiropodist and Masseuse find them convenient.
Dentist does not take switch.
Paul Carmichael
> Ace <b.ro...@ifrance.com> wrote:
>>What do you do when you
>> go abroad, FFS?
>
> Take some cash, and use CCs for just about everything.
Heh. Wouldn't work here. I've bought stuff from shops for several hundred
euros, got my card out and been told where the cash machine is.
Often one goes to a restaurant that has all those CC stickers on the door
so one thinks fine, they take Visa, AA or whatever. Time comes to pay the
bill and all of a sudden your card doesn't work. "There's a cash machine
around the corner Sir".
--
Paul.
CBR1100XX SuperBlackbird (Buen mueble de patio), Orbea Dakar
BOTAFOT #4 BOTAFOF #30 MRO #24 OMF #15 UKRMMA #30
http://paulcarmichael.org/ (content pending)
The Longhaired Boxhead via MotorcycleKB.com
>Yeah, but it's the hassle factor when it stops working and the issuer
>says you need a new one, and you say "But I'm in South America"[1], at
>least with a bank card its a quick phonecall to get the limit increased.
And how is that going to work if the card's been cloned and there's none of
*your* money left in the account? Hmm?
As TOG says, a lot of us either carry more than one card or use one that the
issuer will be replacing quickly no matter where you are in the world (Amex,
for example). Or both.
--
Message posted via MotorcycleKB.com
http://www.motorcyclekb.com/Uwe/Forums.aspx/uk-motorcycle/200810/1
Switters
Older Gentleman) allegedly wrote:
> I don't actually use much cash. I cash a cheque for œ120 or so once a
> week, and that does me fine. I use CCs for just about everything.
Asides from the digs about cheques and counters, I'm suprised no-one has
picked you up on how you equate 'not much cash' with '£120/week'.
In pure cash terms, I probably use about £25 a month.
CT
> In pure cash terms, I probably use about £25 a month.
You don't go to the pub much, do you?
--
Chris
Cab
Gentleman) wrote:
> And there seem to be a lot of ATM probs these days. Lebanese loops,
> shoulder surfing, etc.
I received a document from my BiL ages ago where it showed how card
cloning was done. Very interesting it was. It involved a card reader
slotted onto the ATM AND a small camera hidden in a brochure dispenser
to film the PIN entry.
Very nifty it was.
--
Cab
Cab
wrote:
> > Take some cash, and use CCs for just about everything.
>
> Heh. Wouldn't work here. I've bought stuff from shops for several hundred
> euros, got my card out and been told where the cash machine is.
>
> Often one goes to a restaurant that has all those CC stickers on the door
> so one thinks fine, they take Visa, AA or whatever. Time comes to pay the
> bill and all of a sudden your card doesn't work. "There's a cash machine
> around the corner Sir".
Oh yes? I've never had that problem. Mind you, I know the Spaniards do
like the colour of money. I remember once going to an Estate Agents
with my FiL and he whipped out around €8000 in €500 notes.
I was gobsmacked.
--
Cab
Eddie
>
> Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM
> and forced to withdraw cash :-)
Not even with your credit card?
--
Eddie ed...@deguello.org
His: ZX-9R, Elefant 900 http://www.last.fm/group/ukrm
Hers: Monster S4R, GSX600F (breaking, everything must go!)
TOG@Toil
> On Tue, 07 Oct 2008 06:55:01 GMT, totallydeadmail...@yahoo.co.uk (The
Kids' pocket-money - that's £25 a week each. Newsagent bill, paid in
cash every week: another tenner. Odds and sods: it soon adds up.
TOG@Toil
TOG@Toil
> TOG@Toil wrote:
>
> > Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM
> > and forced to withdraw cash :-)
>
> Not even with your credit card?
>
Colin Irvine
<totallyde...@yahoo.co.uk> squeezed out the following:
Yep!
--
Colin Irvine
ZZR1400 BOF#33 BONY#34 COFF#06 BHaLC#5
http://www.colinandpat.co.uk
Eddie
> On Tue, 7 Oct 2008 05:16:50 -0700 (PDT), "TOG@Toil"
> <totallyde...@yahoo.co.uk> squeezed out the following:
>
>> On 7 Oct, 13:02, Eddie <ed...@deguello.org> wrote:
>>> TOG@Toil wrote:
>>>
>>>> Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM
>>>> and forced to withdraw cash :-)
>>> Not even with your credit card?
>>>
>> Dunno. Erm, oh, I suppose so. A CC PIN works in a cashpoint, does it?
>
> Yep!
<fx:brandishes knife>
Let's check, shall we?
Colin Irvine
squeezed out the following:
>Colin Irvine wrote:
>> On Tue, 7 Oct 2008 05:16:50 -0700 (PDT), "TOG@Toil"
>> <totallyde...@yahoo.co.uk> squeezed out the following:
>>
>>> On 7 Oct, 13:02, Eddie <ed...@deguello.org> wrote:
>>>> TOG@Toil wrote:
>>>>
>>>>> Effectively, yes. Oh, and I can't be marched at knifepoint to an ATM
>>>>> and forced to withdraw cash :-)
>>>> Not even with your credit card?
>>>>
>>> Dunno. Erm, oh, I suppose so. A CC PIN works in a cashpoint, does it?
>>
>> Yep!
>
><fx:brandishes knife>
>
>Let's check, shall we?
Good idea.
Do you think they'll charge him interest on the withdrawel?
Bear
says...
> withdrawel?
Is that a spelling mistake or a staggeringly clever joke I've been
whooshed by?
I demand to know the truth sir.
--
2002 Yamaha R1
Saab Aero Sport
Eddie
> On Tue, 07 Oct 2008 13:41:37 +0100, Eddie <ed...@deguello.org>
> squeezed out the following:
>
>> Colin Irvine wrote:
>>> On Tue, 7 Oct 2008 05:16:50 -0700 (PDT), "TOG@Toil"
>>> <totallyde...@yahoo.co.uk> squeezed out the following:
>>>
>>> Yep!
>> <fx:brandishes knife>
>>
>> Let's check, shall we?
>
> Good idea.
>
> Do you think they'll charge him interest on the withdrawel?
At a higher than usual rate, I should imagine.
Colin Irvine
squeezed out the following:
>In article <tjmme414t3hrrqm26...@4ax.com>, Colin Irvine
>says...
>
>> withdrawel?
>
>Is that a spelling mistake or a staggeringly clever joke I've been
>whooshed by?
The former - but thanks for the compliment!
I go with Mark Twain - "I don't give a damn for a man that can only
spell a word one way".
Bear
says...
> On Tue, 7 Oct 2008 14:01:27 +0100, Bear <bastard...@gmail.com>
> squeezed out the following:
>
> >In article <tjmme414t3hrrqm26...@4ax.com>, Colin Irvine
> >says...
> >
> >> withdrawel?
> >
> >Is that a spelling mistake or a staggeringly clever joke I've been
> >whooshed by?
>
> The former - but thanks for the compliment!
No worries ... to my shame, I actually re-read it about 10 times, in
case it was something I'd missed.
> I go with Mark Twain - "I don't give a damn for a man that can only
> spell a word one way".
You say potato ... oh no, hang on ... that doesn't work :)
Colin Irvine
squeezed out the following:
>In article <92pme45musjv9k1m4...@4ax.com>, Colin Irvine
>says...
>> On Tue, 7 Oct 2008 14:01:27 +0100, Bear <bastard...@gmail.com>
>> squeezed out the following:
>>
>> >In article <tjmme414t3hrrqm26...@4ax.com>, Colin Irvine
>> >says...
>> >
>> >> withdrawel?
>> >
>> >Is that a spelling mistake or a staggeringly clever joke I've been
>> >whooshed by?
>>
>> The former - but thanks for the compliment!
>
>No worries ... to my shame, I actually re-read it about 10 times, in
>case it was something I'd missed.
>
>> I go with Mark Twain - "I don't give a damn for a man that can only
>> spell a word one way".
>
>You say potato ... oh no, hang on ... that doesn't work :)
It does aurally.
Bear
says...
> >You say potato ... oh no, hang on ... that doesn't work :)
>
> It does aurally.
I know, but we're working in a text medium here.
"The gypsy Romana was a medium ...
... I was a large myself, which probably explains why we never wore each
other's clothing".
Champ
>In the referenced article, Tosspot <Frank...@esa.int> writes:
>>The Older Gentleman wrote:
>
>>> I don't actually use much cash. I cash a cheque for £120 or so once
>>> a week, and that does me fine. I use CCs for just about everything.
>
>>A WHAT!? You cash a what? Hands up who still got their cheque book.
>
>Moi. They're very handy for paying bills.
I'm still confused - one pays bills on the internet, surely?
--
Champ
Two standard issue crutches
To email me, neal at my domain should work.
Adrian
were saying:
>> I go with Mark Twain - "I don't give a damn for a man that can only
>> spell a word one way".
> You say potato ... oh no, hang on ... that doesn't work :)
potatoe?
Higgins@work
> On Oct 7, 10:01 am, totallydeadmail...@yahoo.co.uk (The Older
>
> Gentleman) wrote:
> > Champ <n...@champ.org.uk> wrote:
> > > You *cash a cheque*?!?!?! What, in the bank itself?!?!?
>
> > Well, in the Nationwide BS, actually. If I want £120 cash, I pay in a
> > cheque for £125-130, and the surplus goes to swell my BS account.
>
> you mean you pay in a cheque from your bank into your BS?
>
> You're a loony.
>
Reminds me of a cleaner many years ago, just as MoD made the final
changeover from cash wage payments to bank transfer.
The bloke would go to the bank every Thursday, withdraw his weekly
wage, count it and then put half back in.
Colin Irvine
<the.best.na...@gmail.com> squeezed out the following:
<vbg> Priceless.
Simian
> Walking into a normal bank or Post Office and asking them for a cash
> withdrawal of >30000 chfs doesn't even bat an eyelid. This one is a
> little more than that, but I don't anticipate any trouble.
>
> And their largest note is 1000 francs, so it doesn't even make too
> much of a bulge in the wallet.
I accompanied a friend who was buying a car a little while ago.
Apparently she phoned the bank to make sure taking out for £12,500 in
cash would be fine...
When we turned up they (small local branch) didn't have any fifties,
and would only give out £9000 in twenties, the rest was in tens.
Thankfully, I had a rucksack with me, and the car dealer had a cash
counting machine.
I've used a debit card for my last few dealer purchases, as their
preferred payment method.
Bear
> On Tue, 07 Oct 2008 09:08:51 -0500, "Simian"
> <Simian@in_valid.semi-evolved.org> wrote:
>
> >Ace wrote:
> >
> >> Walking into a normal bank or Post Office and asking them for a cash
> >> withdrawal of >30000 chfs doesn't even bat an eyelid. This one is a
> >> little more than that, but I don't anticipate any trouble.
> >>
> >> And their largest note is 1000 francs, so it doesn't even make too
> >> much of a bulge in the wallet.
> >
> >I accompanied a friend who was buying a car a little while ago.
> >Apparently she phoned the bank to make sure taking out for £12,500 in
> >cash would be fine...
> >
> >When we turned up they (small local branch) didn't have any fifties,
> >and would only give out £9000 in twenties, the rest was in tens.
>
> and tens. Tossers.
Move to a less pikey bank :)
My local Lloyds were fine with the £4k I drew out in cash the last time
I bought a bike (ie recently) - all in 50s.
> >I've used a debit card for my last few dealer purchases, as their
> >preferred payment method.
>
> I think there's a limit on debit cards here, although ICBW. In any
> case I think there's still some sort of charge involved - I remember
> popping out to use a cash machine with two different cards to buy a
> pair of skis a couple of years ago, the negotiated discount being
> dependent on a cash sale.
Really? That's interesting. When I bought the Saab, the amount to pay
(after trade-in) was something ITRO £9-10k, and I did that via debit
card, on the grounds that a) the dealer wanted to charge an extra 1.5%
if I used a credit card and b) I didn't fancy carrying £10k around with
me when I didn't have to. Paying by debit card worked fine.
Other than I found it slightly worrying that one could spang £10k on the
back of a simple chip & PIN transaction :)
Jim
Ace <b.ro...@ifrance.com> wrote:
>>I've used a debit card for my last few dealer purchases, as their
>>preferred payment method.
>
No - there's no limit at all on paying for stuff on debit card. This is
different to the ATM daily withdrawal limit. Another good reason to use
a credit card in restaurants and petrol stations.
That said, they do monitor for fraudulent activity: I went through a
spate of having transactions refused and then getting a call from HSBCs
India call centre.
--
CB500 (blue + flies)
The Longhaired Boxhead via MotorcycleKB.com
>
>
>>> Walking into a normal bank or Post Office and asking them for a cash
>>> withdrawal of >30000 chfs doesn't even bat an eyelid. This one is a
>>When we turned up they (small local branch) didn't have any fifties,
>>and would only give out £9000 in twenties, the rest was in tens.
>
>and tens. Tossers.
They all do that, sir. It still amazes me that not only the largest available
denomination is a 50 quid note, but also the fact that nobody wants to use
them either and rather carry a backpack full of fivers.
>>I've used a debit card for my last few dealer purchases, as their
>>preferred payment method.
>
>I think there's a limit on debit cards here, although ICBW. In any
>case I think there's still some sort of charge involved - I remember
>popping out to use a cash machine with two different cards to buy a
>pair of skis a couple of years ago, the negotiated discount being
>dependent on a cash sale.
Over here (dunno about Switzerland) you have to pay a fee if you want to pay
cash into most business accounts so I'd guess that when combined with the
hassle of actually going to the bank, taking the hit on the card payment fee
is the preferred option. AFAIK the fees on debit cards are fairly reasonable
(fixed fee in most cases IIRC).
--
Message posted via MotorcycleKB.com
http://www.motorcyclekb.com/Uwe/Forums.aspx/uk-motorcycle/200810/1
Bear
MotorcycleKB.com says...
> Ace wrote:
> >
> >
> >>> Walking into a normal bank or Post Office and asking them for a cash
> >>> withdrawal of >30000 chfs doesn't even bat an eyelid. This one is a
> >[quoted text clipped - 9 lines]
> >>When we turned up they (small local branch) didn't have any fifties,
> >
> >Last time I bought a bike in the UK was similar - 7 grand+ in twenties
> >and tens. Tossers.
>
> They all do that, sir. It still amazes me that not only the largest available
> denomination is a 50 quid note, but also the fact that nobody wants to use
> them either and rather carry a backpack full of fivers.
Do we not have a £100 note?
<googles>
Kinell. Apparently, we don't but the sweaties do:
http://en.wikipedia.org/wiki/Banknotes_of_the_pound_sterling
Jim
Ace <b.ro...@ifrance.com> wrote:
>>>>I've used a debit card for my last few dealer purchases, as their
>>>>preferred payment method.
>>>
>>>I think there's a limit on debit cards here, although ICBW.
>>
>>No - there's no limit at all on paying for stuff on debit card.
>
Well, plainly not, no. Arse.
CT
> Really? That's interesting. When I bought the Saab, the amount to
> pay (after trade-in) was something ITRO £9-10k, and I did that via
> debit card, on the grounds that a) the dealer wanted to charge an
> extra 1.5% if I used a credit card and b) I didn't fancy carrying
> £10k around with me when I didn't have to. Paying by debit card
> worked fine.
Indeed. I did the same when I bought my Audi.
> Other than I found it slightly worrying that one could spang £10k on
> the back of a simple chip & PIN transaction :)
Yeah, I thought it a tad weird; tap in some numbers and £12.5k goes
winging its way out of the account. I did have to briefly speak to
someone at the bank over the phone for an added layer of security.
--
Chris
Blott
"Bear" <bastard...@gmail.com> wrote in message
news:MPG.235580664...@news.individual.de...
I think most banks will do some checking if it is outside you normal buying
pattern. When I bought a horse a couple of years ago at Doncaster
Bloodstock sales I paid with my switch card. They had to phone through for
authorisation, the person on the other end of the phone then asked to speak
to me and asked a few questions about recent transactions. I suppose it's a
bit different from my usual 20 quid at Tescos. DBS did say next time they
would accept a cheque.
Danny
CT
> Do we not have a £100 note?
>
> <googles>
>
> Kinell. Apparently, we don't but the sweaties do:
>
> http://en.wikipedia.org/wiki/Banknotes_of_the_pound_sterling
*Technically* we have (or have had) a £1,000,000 note:
http://news.bbc.co.uk/1/hi/england/london/7645866.stm
--
Chris
CT
> I think most banks will do some checking if it is outside you normal
> buying pattern. When I bought a horse a couple of years ago at
> Doncaster Bloodstock sales I paid with my switch card.
I hope you got some good steaks out of it.
--
Chris
Bear
says...
>
> "Bear" <bastard...@gmail.com> wrote in message
> news:MPG.235580664...@news.individual.de...
> > In article <9frme495540lvcvef...@4ax.com>, Ace says...
> >> On Tue, 07 Oct 2008 09:08:51 -0500, "Simian"
> >> <Simian@in_valid.semi-evolved.org> wrote:
>
> > Other than I found it slightly worrying that one could spang £10k on the
> > back of a simple chip & PIN transaction :)
>
> I think most banks will do some checking if it is outside you normal buying
> pattern.
I'm trying to recall if they did ... I'm fairly sure they didn't though.
Jim
Blott <bl...@home.con> wrote:
>> Other than I found it slightly worrying that one could spang £10k on the
>> back of a simple chip & PIN transaction :)
>
>I think most banks will do some checking if it is outside you normal buying
>pattern. When I bought a horse a couple of years ago at Doncaster
>Bloodstock sales I paid with my switch card. They had to phone through for
>authorisation, the person on the other end of the phone then asked to speak
>to me and asked a few questions about recent transactions. I suppose it's a
>bit different from my usual 20 quid at Tescos. DBS did say next time they
>would accept a cheque.
I thought that horses were bought and sold in guineas?
Bear
Yeah, but not in common usage, eh?
I am amazed we don't have at least a £100 note though.
Jim
Bear <bastard...@gmail.com> wrote:
>> I think most banks will do some checking if it is outside you normal
>> buying pattern.
>
>I'm trying to recall if they did ... I'm fairly sure they didn't though.
It's an "expert" system - so sod's law means it'll happily let your 10k
car purchase through but you should expect the card to be stopped just
when you arrive abroad with a flat mobile battery.
Catman
> On Tue, 7 Oct 2008 08:43:56 GMT, ens...@bath.ac.uk (M J Carley) wrote:
>
>> In the referenced article, Tosspot <Frank...@esa.int> writes:
>>> The Older Gentleman wrote:
>>>> I don't actually use much cash. I cash a cheque for £120 or so once
>>>> a week, and that does me fine. I use CCs for just about everything.
>>> A WHAT!? You cash a what? Hands up who still got their cheque book.
>> Moi. They're very handy for paying bills.
>
> I'm still confused - one pays bills on the internet, surely?
DD, surely?
--
Catman MIB#14 SKoGA#6 TEAR#4 BOTAFOF#38 Apostle#21 COSOC#3
Tyger, Tyger Burning Bright (Remove rust to reply)
116 Giulietta 3.0l Sprint 1.7 145 2.0 Cloverleaf 156 V6 2.5 S2
Triumph Sprint ST 1050: It's blue, see.
www.cuore-sportivo.co.uk
CT
> In article <xn0fw59o...@news.individual.net>, CT says...
> >
> > Technically we have (or have had) a £1,000,000 note:
> > http://news.bbc.co.uk/1/hi/england/london/7645866.stm
>
> Yeah, but not in common usage, eh?
Oh, no. I had just read that article the other day and was mildly
amused/interested by it.
> I am amazed we don't have at least a £100 note though.
It does seem silly. It's not a great deal of money these days is it?
Even so, as someone has already mentioned, a lot of places won't even
accept a £50 note, so what chance a £100 note would have is anybody's
guess!
--
Chris
Switters
wrote:
> I think most banks will do some checking if it is outside you normal
> buying pattern.
Uh, unless you're in the trade, a £3-10k transaction for a car/bike is
going to be outside one's normal buying pattern.
Switters
<totallyde...@yahoo.co.uk> allegedly wrote:
> On 7 Oct, 12:16, "CT" <m...@christrollen.co.uk> wrote:
>> Switters wrote:
>> > In pure cash terms, I probably use about £25 a month.
>>
>> You don't go to the pub much, do you?
>>
> Or if he does, someone else pays....
heh. Na, I'm usually at home with a bottle of red.
Switters
<totallyde...@yahoo.co.uk> allegedly wrote:
> Kids' pocket-money - that's ś25 a week each.
How much? Jeezus, that's some weed habit they have.
> Newsagent bill, paid in
> cash every week: another tenner. Odds and sods: it soon adds up.
I don't do newspapers either. This is the 00s man.
TOG@Toil
> On Tue, 7 Oct 2008 06:56:53 -0700 (PDT), "Higgins@work"
>
> >changeover from cash wage payments to bank transfer.
>
> >The bloke would go to the bank every Thursday, withdraw his weekly
> >wage, count it and then put half back in.
>
> <vbg> Priceless.
>
TOG@Toil
OK, why not a CC card for the extra protection? Unless the car dealer
shoves a premium on for it.
Catman
> On Tue, 07 Oct 2008 14:43:00 GMT, Catman
> <cat...@rustcuore-sportivo.co.uk> wrote:
>
>> Champ wrote:
>>> On Tue, 7 Oct 2008 08:43:56 GMT, ens...@bath.ac.uk (M J Carley) wrote:
>>>
>>>> In the referenced article, Tosspot <Frank...@esa.int> writes:
>>>>> The Older Gentleman wrote:
>>>>>> I don't actually use much cash. I cash a cheque for £120 or so once
>>>>>> a week, and that does me fine. I use CCs for just about everything.
>>>>> A WHAT!? You cash a what? Hands up who still got their cheque book.
>>>> Moi. They're very handy for paying bills.
>>> I'm still confused - one pays bills on the internet, surely?
>> DD, surely?
>
Oh well batted. You are, of course, correct.
Simian
> On Tue, 07 Oct 2008 14:39:58 GMT, "Blott" <bl...@home.con> allegedly
> wrote:
>
> > I think most banks will do some checking if it is outside you normal
> > buying pattern.
>
> Uh, unless you're in the trade, a #3-10k transaction for a car/bike
> is going to be outside one's normal buying pattern.
When A. bought the Jazz, she paid the ~8k with a debit card, straight
through, no phone calls or security checking.
40mins later when we she bought a 40 quid t-shirt (well within her
normal buying patterns...) the transaction had to be authorised over
the phone. Apparently buying the car had triggered something...
somewhat ex post facto stable door bolting, I thought, but there you go.
Eddie
>
> When A. bought the Jazz
If that's not a euphemism, it really should be.
--
Eddie ed...@deguello.org
His: ZX-9R, Elefant 900 http://www.last.fm/group/ukrm
Hers: Monster S4R, GSX600F (breaking, everything must go!)
Blott
"Jim" <nu...@0.0.0.0> wrote in message
news:kq8sr5-...@89kh6zkKVIrqrXZuA5BD.0.0...>>> Other than I found it slightly worrying that one could spang Ł10k on the
>>> back of a simple chip & PIN transaction :)
>>
>>I think most banks will do some checking if it is outside you normal
>>buying
>>pattern. When I bought a horse a couple of years ago at Doncaster
>>Bloodstock sales I paid with my switch card. They had to phone through
>>for
>>authorisation, the person on the other end of the phone then asked to
>>speak
>>to me and asked a few questions about recent transactions. I suppose it's
>>a
>>bit different from my usual 20 quid at Tescos. DBS did say next time
>>they
>>would accept a cheque.
>
> I thought that horses were bought and sold in guineas?
At the time they were, 5% commission. Since DBS moved to thier new premises
last year they are sold in ŁSTG + 6% commission.
Danny
Champ
<totallyde...@yahoo.co.uk> wrote:
>> I've used a debit card for my last few dealer purchases, as their
>> preferred payment method.
>
>OK, why not a CC card for the extra protection? Unless the car dealer
>shoves a premium on for it.
Pretty much all retailers get charded by the CC companies - typically
this is around 2.5~3%. The big guys (e.g. Tesco, etc) have screwed
the CC providers down to a much lower rate, but they still pay
something, and many very small retailers get pretty much screwed.
You can see why a car dealer wouldn't want to give away 3% of the cost
of a car.
--
Champ
Two standard issue crutches
To email me, neal at my domain should work.
Lozzo
> I've used a debit card for my last few dealer purchases, as their
> preferred payment method.
I bought my old Firestorm on my Barclaycard and cleared the balance at
the end of the month once I'd sold my ZZR1100. It was an impulse
purchase.
--
Lozzo
SV650S K5, CBR600F-W, SR250 SpazzTrakka
and a shit load more 2-wheeled junk in the garage
I believe in free speech, but I still have to pay my phone bill
Grimly Curmudgeon
drugs began to take hold. I remember Tosspot <Frank...@esa.int>
saying something like:
>A WHAT!? You cash a what? Hands up who still got their cheque book.
Still in common use.
--
Dave
GS850x2 XS650 SE6a
"It's a moron working with power tools.
How much more suspenseful can you get?"
- House
Bear
says...
> We were somewhere around Barstow, on the edge of the desert, when the
> drugs began to take hold. I remember Tosspot <Frank...@esa.int>
> saying something like:
>
> >A WHAT!? You cash a what? Hands up who still got their cheque book.
>
> Still in common use.
I've used mine once in 3 years, to pay the chap who sent me the sat-nav
mount for the R1. He sends them out, then relies on people being honest
and sending him money. And doesn't give out his bank details.
Other than that, it sits in my filing cabinet, unused.
JackH
> In article <gcg49k$bt4$1...@registered.motzarella.org>, Grimly Curmudgeon
> says...
>> We were somewhere around Barstow, on the edge of the desert, when the
>> drugs began to take hold. I remember Tosspot <Frank...@esa.int>
>> saying something like:
>>
>> >A WHAT!? You cash a what? Hands up who still got their cheque book.
>>
>> Still in common use.
>
> I've used mine once in 3 years, to pay the chap who sent me the sat-nav
> mount for the R1. He sends them out, then relies on people being honest
> and sending him money. And doesn't give out his bank details.
My old man wanted a visor for one of his el cheapo lids recently.
The company that made it is German, and he ended up going direct to them for
it.
They refused to accept payment up front and insisted he pay them once he'd
received the goods and not before - pretty much unheard of in this day and
age, especially given he wasn't a regular customer or even trade.
--
JackH
02 Yamaha YZF-R6 - 03 VW Passat TDI Sport - 98 Peugeot 106 GTi
Gyp
<ne...@champ.org.uk> writes
>>Moi. They're very handy for paying bills.
>
>I'm still confused - one pays bills on the internet, surely?
I'd like to see you try and pay my milkman that way
--
Gyp
Change to dotcom to reply
Bear
> They refused to accept payment up front and insisted he pay them once he'd
> received the goods and not before - pretty much unheard of in this day and
> age, especially given he wasn't a regular customer or even trade.
Yeah I had to ask the chap to repeat himself, I was that surprised.
Apparently not one biker has ever turned him over, either. Makes one
feel rather warm inside, does that :)
Gyp
<bastard...@gmail.com> writes
>I've used mine once in 3 years, to pay the chap who sent me the sat-nav
>mount for the R1. He sends them out, then relies on people being honest
>and sending him money. And doesn't give out his bank details.
Odd one this; people won't give you their bank details so you can pay
them over the web, but they are more than happy to expect you to give
them a cheque that has exactly the same level of detail on it.
Bear
In his case though he didn't want *his* bank details being known ... me
sending him a cheque doesn't mean I get that info, but I see where
you're coming from on the "funny things some people do" front.
^..^ Lone Wolf
Wotcha.
> A WHAT!? You cash a what? Hands up who still got their cheque book.
Err - I have.
Comes in useful when sending for rally tickets, but apart from that, I can't
remember the last time I used a cheque in anger.
--
^..^ Lone Wolf
http://www.moonshiners.org.uk/
Pete Fisher
<bastard...@gmail.com> cast forth these pearls of wisdom
My UK one gets used occasionally for paying subscriptions to small set
ups like the Morini Riders Club. I shall now probably find that I could
pay even them by DD or such like.
The Credit Agricole cheque book gets used more, for paying for the
'chateau' local taxes, house and SO French Enduro Bike insurance etc..
The demands/renewals arrive in the UK by post and ICBA to look in to
paying them online. I do have a DD with EDF for the electricity though.
I see that I can credit the CA account from HSBC online now rather than
filling in paper forms. Haven't tried it yet though.
--
+----------------------------------------------------------------+
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