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Sept 13, 2021 15:15:34 GMT
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Post by TallPaul on Sept 13, 2021 15:15:34 GMT
Who knew that breasts are so unhygienic? It's a wonder most of us make it out of nappies! All those midwives and health visitors must have been wrong all these years.
I'm afraid anyone looking forward to a cashless society has absolutely no idea how real people live their lives. For example, when I was in a shop on Saturday, waiting to pay my £1.79 in cash, the man in front was using the Paypoint terminal, which in that particular shop has to be done with cash. Even if he'd gone next door to the Post Office and paid by debit card, the cashiers seem to take cash from one draw and put it in another.
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Post by Phantom of London on Sept 13, 2021 17:18:29 GMT
When I was Frozen a week or so again, I went to buy a programme, when the usher very politely told me "we only now except cards only sir," so years of paying by cash is very habit forming for me, so I was more than happy to pay with my card, then I said as quick as a shot to the usher "the cards don't both me anyway." That ushers was hysterics and made his day.
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Sept 13, 2021 21:15:58 GMT
Post by Phantom of London on Sept 13, 2021 21:15:58 GMT
And black cab drivers who all got credit card machines installed when Uber came along, but when you want to use it it’s “out of order, mate”. Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling.
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Sept 13, 2021 22:23:35 GMT
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Post by Kim_Bahorel on Sept 13, 2021 22:23:35 GMT
I have given up on the idea of going back to theatre and if it goes cashless then I don't have and can't get a debit card. Someone suggested a card and tried to apply and I was rejected. I don't hold any hope for my future to be honest.
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Sept 14, 2021 10:59:00 GMT
Post by MrBraithwaite on Sept 14, 2021 10:59:00 GMT
Quite shocked about the no-cash policy in England when I was there two weeks ago. Theatres, museums. Took me a while to figure out, who accepts cash. Thankfully I came prepared this time, but normally don't pay a few pounds with credit card...can be incredibly expensive for foreign tourists, if they have the wrong card.
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Post by lynette on Sept 14, 2021 17:00:08 GMT
And black cab drivers who all got credit card machines installed when Uber came along, but when you want to use it it’s “out of order, mate”. Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling. The machine costs them of course and you have to awkwardly add the tip ( prob people don't bother now so much) so extends the transaction. Before you would just round up the cash you had in your hand as you ran out…most times in black cabs recently it has been obvious the driver didn’t want me to use the machine except one chap whose machine worked fast and efficiently.
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Sept 14, 2021 17:20:00 GMT
Post by londonpostie on Sept 14, 2021 17:20:00 GMT
I might not have used cash for a year and have made no conscious decision to do that. It seems I decided to carry an emergency tenner otherwise my little wallet only contains a contactless debit card and Oyster card. I can't even think when I last had change rattling in a pocket. Had no idea.
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Sept 14, 2021 17:39:05 GMT
Post by BurlyBeaR on Sept 14, 2021 17:39:05 GMT
I might not have used cash for a year and have made no conscious decision to do that. It seems I decided to carry an emergency tenner otherwise my little wallet only contains a contactless debit card and Oyster card. I can't even think when I last had change rattling in a pocket. Had no idea. Same. I used to put my loose change in a jar and then cash it in at a Coinstar machine. The jar’s empty! And I found some old £20 notes and had a panic that they’d expired, had to Google to find out it’s not until September 22.
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Sept 14, 2021 18:41:54 GMT
Post by The Matthew on Sept 14, 2021 18:41:54 GMT
And I found some old £20 notes and had a panic that they’d expired, had to Google to find out it’s not until September 22 Argh! For a moment there I thought you meant next Wednesday, and then I checked and it's September 2022.
(It's only a year. What am I going to be able to spend £80 cash on in a year?)
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Sept 14, 2021 22:24:27 GMT
Post by Phantom of London on Sept 14, 2021 22:24:27 GMT
Interesting one. TFL say that all cabs must except payment cards, so the passenger has a right to pay by card. So if their card machine is out of order and the passenger doesn’t have cash and I’m sure that the cabbie won’t tell you from the start of the journey that their card machine is out of order. What is the passenger meant to do? If they then turn the machine on and say something along the lines, “it is temperamental and it might just start working again.” Then I certainly wouldn’t tip. I am surprised how people are tolerant on other people not to pay tax or very little tax, I find that mind boggling. The machine costs them of course and you have to awkwardly add the tip ( prob people don't bother now so much) so extends the transaction. Before you would just round up the cash you had in your hand as you ran out…most times in black cabs recently it has been obvious the driver didn’t want me to use the machine except one chap whose machine worked fast and efficiently. It is a difficult one. It is fair to say that black cabs are very tax efficient, they generally use the same accountant and I have heard they one driver only payed £400 tax a year. Which is abhorrent, as they done well with furlough. It is a TFL requirement that black cabs take cards, it is the passenger’s right to pay with a card. So the passenger is in their rights to not pay the driver? I prefer Uber than black cabs, for that reason.
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Sept 14, 2021 22:30:25 GMT
Post by Jon on Sept 14, 2021 22:30:25 GMT
I find it strange that they've given the £20 note a lengthy withdrawal period compared to the other notes. I suppose if it weren't for the pandemic, it'd have been withdrawn this year.
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Sept 15, 2021 9:30:30 GMT
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Post by hairspray57 on Sept 15, 2021 9:30:30 GMT
I'm afraid anyone looking forward to a cashless society has absolutely no idea how real people live their lives. The world changes and people move with it. Real people lived their lives without electricity, the NHS, television, minimum wage, mobile phones and the internet - we adapt and get used to the new norm. Twenty years ago CDs and DVDs were king and we’ve all adapted well to non-physical forms like legal downloads and then streaming. Fifteen years ago the idea of logging into your bank account and paying your bills through a mobile phone app would have sounded impossible. Ten years ago a new ABBA album sounded like crazy talk. Five years ago the idea of paying to watch live theatre broadcasts from the comfort of your sofa would have felt pointless. We will become a cashless society. It won’t happen overnight but it will come because the truth is we don’t need it and the only reason we use it now is because independent retail isn’t setup for cashless payments yet and old habits die hard. Kids are getting their own cash cards from around the age of six now - GoHenry cards are becoming incredibly popular, so we are probably just a generation or two away from a real conversation about a cashless society. There is still a fair amount of people who use little or no internet on a daily basis. My neighbour has no access whatsoever for example. And quit a lot of those who use it daily for communication or looking up the news or weather or stuff on Google don’t use online banking. Banks are still pretty busy.
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Post by Kim_Bahorel on Sept 15, 2021 10:11:05 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future.
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Sept 15, 2021 10:36:29 GMT
Post by londonpostie on Sept 15, 2021 10:36:29 GMT
Just in case ... contactless payment (i.e. with a card) does not have to mean internet banking. It's also not a credit card.
It's a card with a chip, which is directly linked to your account. When you make a contactless payment the amount you are paying automatically comes out of your account right then.
Fwiw, I avoided it at first and had the most basic free account. Then one day I was in Santander and they said about contactless and opened up a separate account which I use for contactless and Internet shopping.
You can move money from one account to the other at the hole in the wall - take out cash of one, pay it into the other. You can also do that at the counter or online.
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Sept 15, 2021 10:49:23 GMT
Post by hairspray57 on Sept 15, 2021 10:49:23 GMT
Just in case ... contactless payment (i.e. with a card) does not have to mean internet banking. It's also not a credit card. It's a card with a chip, which is directly linked to your account. When you make a contactless payment the amount you are paying automatically comes out of your account right then. Fwiw, I avoided it at first and had the most basic free account. Then one day I was in Santander and they said about contactless and opened up a separate account which I use for contactless and Internet shopping. You can move money from one account to the other at the hole in the wall - take out cash of one, pay it into the other. You can also do that at the counter or online. The thing is those who don’t online bank rely on only their monthly statements for banking. With contactless lots of small payments become harder and harder to keep track of so those people often prefer Cash for the smaller things.
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Sept 15, 2021 11:38:14 GMT
Post by londonpostie on Sept 15, 2021 11:38:14 GMT
That's a point. Fwiw, you can get those mini statements from the hole in the wall, or just get a balance on the screen.
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Sept 15, 2021 12:55:18 GMT
Post by christya on Sept 15, 2021 12:55:18 GMT
I doubt I'll ever go back to using cash. I keep some in my purse for situations where card payments aren't available, but I honestly couldn't tell you what's in there just now as I haven't had any reason to look for months. I've also managed to get the parents to move from cash to card - contactless has been a real winner for them, as has showing them how to use internet banking. Though Dad will still insist on reconciling his bank statement each month, even though he's already seen a more up to date version of it online.
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Sept 15, 2021 14:06:56 GMT
Post by Phantom of London on Sept 15, 2021 14:06:56 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it.
On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs.
I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office.
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Sept 15, 2021 14:20:09 GMT
Post by BurlyBeaR on Sept 15, 2021 14:20:09 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future. Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward.
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Sept 15, 2021 14:27:32 GMT
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Post by Deleted on Sept 15, 2021 14:27:32 GMT
I know people are posting that they don't use cash and that. But you have to think of people who can't use cards or can't get cards when you are doing this. The more and more it happens people are going to phased out of being able to live - full stop! If companys cut off that resource for people now in shops many shops aren't taking cash. So I am living on a edge that when my phone breaks or my cooker breaks I can't get a new one because all the companies have decided that money is dirty. As consumers that I am assuming have a conscience have to really stop thinking of themselves otherwise I literally have no future. Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward. Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely.
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Sept 15, 2021 14:31:35 GMT
Jon likes this
Post by BurlyBeaR on Sept 15, 2021 14:31:35 GMT
Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward. Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely. Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise.
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Sept 15, 2021 14:38:44 GMT
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Post by Deleted on Sept 15, 2021 14:38:44 GMT
Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely. Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get.
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Sept 15, 2021 15:41:41 GMT
Post by hairspray57 on Sept 15, 2021 15:41:41 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it. On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs. I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office. With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service.
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Sept 15, 2021 17:34:55 GMT
Post by Phantom of London on Sept 15, 2021 17:34:55 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it. On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs. I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office. With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service. In the good olde days, you could get a passport from the Post office for up to a year. I have just renewed my passport and doing it online isn't complex at all, the hardest part if I recall was getting a photo of good enough quality and had my initial photo rejected, just retook the photo and re-submitted it by the link they supplied in an email, it was done very easily. A pertinent example to keep cash and the very argument has been used on this thread and that is the older generation don't understand and hostile in using new technology. So how many times now do you see the older generation queue at the Post Office getting their pension? The point I am making people are very efficient and good at changing, if they're forced to.
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Sept 15, 2021 17:53:22 GMT
Post by hairspray57 on Sept 15, 2021 17:53:22 GMT
With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service. In the good olde days, you could get a passport from the Post office for up to a year. I have just renewed my passport and doing it online isn't complex at all, the hardest part if I recall was getting a photo of good enough quality and had my initial photo rejected, just retook the photo and re-submitted it by the link they supplied in an email, it was done very easily. A pertinent example to keep cash and the very argument has been used on this thread and that is the older generation don't understand and hostile in using new technology. So how many times now do you see the older generation queue at the Post Office getting their pension? The point I am making people are very efficient and good at changing, if they're forced to. I imagine a lot of the older generation use the Post office for cash withdrawals.
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Post by Jon on Sept 15, 2021 20:39:07 GMT
Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. The Citizen Advice Bureau might be of service, there is also MoneyHelper which is sponsored by DWP: www.moneyhelper.org.uk/
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Sept 17, 2021 11:53:36 GMT
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Post by Kim_Bahorel on Sept 17, 2021 11:53:36 GMT
I don't live off the grid I just have always lived with my dad ever since my mother left me as a baby. They were never married and my dad is biologically by not legally my dad. I need my mother information to apply for a passport. My dads wont do because he is not legally my dad. I don't have information on her I dont even know when she was born and the info on my birth cert says she changed her name to my dads name. A woman I used to work with her son was doing his passport and because she changed her surname when he was born and there was no documents on this she had to supply in writing to say that it was her because she had to supply her passport for the application. So I will assume that name changes and no documents pose an issue.
Sadly the goverment don't care about family matters I still need her information. It was too late when I realised this because up until 18 you can get a debit card without photo ID. Even now. Because I have lived at home with my dad (although orginally it was my grandparents who lived there and I was living with them and my dad) I have never lived anywhere else. And cards I have applied for I have needed to supply photo ID because there is anyway a discrepancy with my application. I have tried to do one of those credit score things and STILL wouldn't work. I am on the electoral roll and I had a student loan but none of this helps me. I have never earned enough to pay back my student loan and I can't make payments because I don't have a card to do that.
I was set up with just a saving account when I was a baby. But while I use it I am in the same boat that I don't have ID to prove its mine. My card got lost (later found at home). I had to go into Santander with my cash passbook which I hadn't used for years. Because its sign I dont need ID for it thankfully but the cashier was very forceful that I need to have a debit card because I was using the account alot and it was unsual. I told him that I couldn't get a passport because of my mother. He took my cash passbook talked about me to someone and said that I would only be able to get one with a passport. I was really upset because I thought he was going to take my book and shut my account. I would loose a lot more inc my job. I have been too scared to do in I have wanted to go in to ask again. But even online it says that you need photo ID to open a current account.
As I said every time I do this I have the same issue. With the Splash card that was suggested to me my application was rejected as soon as I applied. I emailed them to ask and they wouldn't tell me.
Also I don't have anyone to cosign a passport anyway I don't know many people and they either aren't in a profession that is applicable.
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Sept 17, 2021 12:03:50 GMT
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Post by Kim_Bahorel on Sept 17, 2021 12:03:50 GMT
Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either.
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Post by The Matthew on Sept 17, 2021 12:20:01 GMT
It sounds like you need specialist legal advice, as in proper specialist advice rather than a general-purpose consumer helpline or an underpaid clerk behind a counter. There are procedures in place to handle exceptional situations, and when you're dealing with a country with tens of millions of people it almost always turns out that your situation isn't so exceptional after all. Documents do get destroyed, information does get lost, and there are ways to overcome the problems, but it needs a specialist to know what those ways are.
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Sept 17, 2021 12:23:22 GMT
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Post by poster J on Sept 17, 2021 12:23:22 GMT
Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either. I would have thought given your dad is biologically your father you could get a DNA test and do a statutory declaration regarding the results to use to get you a passport or some form of ID, but you should get down to your local Citizens' Advice Bureau to get set up with some proper specialist advice. Certainly sounds like something that specialist advice could solve and that needs to be solved sooner rather than later to make your life easier. Wishing you luck!
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