Things you always wanted to know the answer to [Vol. 5]

[Dr Jekyll]

Tyre Smoke said:

I know the difference before you ask, but I am useless at a concise explanation. How do you easily explain the difference to someone who has incorrectly used 'affect' for 'effect' and vice versa?

'Affect' is something you do, 'effect' is what happens as a result of doing something.

[Halmyre]

jonwm said:

How come if I press the brakes on my car there is very little noise, if I pull the old fashioned handbrake up there again is little noise unless they lock yet if I pull the parking brake button the car slows with an almighty grinding noise.

I think the electronic brake applies considerably more force than either the pedal or a conventional handbrake. I sometimes apply it when the car is moving only slightly and it's like hitting a brick wall.

[DRFC1879]

captain_cynic said:

ambuletz said:

Q: Does anyone know if there's a purchasing limit on a debit card?

I'm with HSBC... fancy making a big purchase, in the region of about £2-3k on my debit card soon for a computer. It's the biggest purchase I will have ever made (apart from maybe shelling out over a grand on car insurance during uni days in 1 lump sum).

Is there a limit? would it get declined right away? or is it something i need to make the bank aware of before I do the purchase.

This largely depends on your bank. As far as I am aware there isn't a legal limit, only a requirement to automatically report transactions over £10k (from.mlemory) due to money laundering regulations.

£25K is the magic number for my cards per the product statements but as has been mentioned a call to the bank would.lilely get around this.

I paid off my car finance with a debit card over the phone a few weeks ago. £23k went straight through so the above sounds reasonable.

[Frimley111R]

DRFC1879 said:

captain_cynic said:

ambuletz said:

Q: Does anyone know if there's a purchasing limit on a debit card?

I'm with HSBC... fancy making a big purchase, in the region of about £2-3k on my debit card soon for a computer. It's the biggest purchase I will have ever made (apart from maybe shelling out over a grand on car insurance during uni days in 1 lump sum).

Is there a limit? would it get declined right away? or is it something i need to make the bank aware of before I do the purchase.

This largely depends on your bank. As far as I am aware there isn't a legal limit, only a requirement to automatically report transactions over £10k (from.mlemory) due to money laundering regulations.

£25K is the magic number for my cards per the product statements but as has been mentioned a call to the bank would.lilely get around this.

I paid off my car finance with a debit card over the phone a few weeks ago. £23k went straight through so the above sounds reasonable.

Check with your bank as they may automatically stop it as a security measure if it's an uncommonly large amount for you. Best to give them a quick call to inform them first.

[The Mad Monk]

Frimley111R said:

Best to give them a quick call to inform them first.

That won't take long.

[MartG]

Buying a car recently - 'only' £7.5K - trying to pay by bank transfer triggered all sorts of anti-fraud issues, but paying by debit card went straight through

[generationx]

The Mad Monk said:

Frimley111R said:

Best to give them a quick call to inform them first.

That won't take long.

I did this when paying the deposit on my last car. It took about 5 minutes.

[The Mad Monk]

generationx said:

The Mad Monk said:

Frimley111R said:

Best to give them a quick call to inform them first.

That won't take long.

I did this when paying the deposit on my last car. It took about 5 minutes.

Look. It's no good me putting up these snappy one liners, if you are just going to knock them down!

[generationx]

The Mad Monk said:

generationx said:

The Mad Monk said:

Frimley111R said:

Best to give them a quick call to inform them first.

That won't take long.

I did this when paying the deposit on my last car. It took about 5 minutes.

Look. It's no good me putting up these snappy one liners, if you are just going to knock them down!

[deadtom]

Evoluzione said:

I think the idea of the thread is that you harp on about it for a while in your own words and make out to be an expert in this field (pun intended).

dammit, I was just limbering up my typing muscles to do just that when someone came along with a convenient link to a far more reliable and well written source.

harrumph.

[talksthetorque]

captain_cynic said:

This largely depends on your bank. As far as I am aware there isn't a legal limit, only a requirement to automatically report transactions over £10k (from.mlemory) due to money laundering regulations.

£25K is the magic number for my cards per the product statements but as has been mentioned a call to the bank would.lilely get around this.

10k was the trigger for the car buying debit card experience we had, had to do a 9k and a 3.5k, went through no problems.

Those money launderers would never work out that little wheeze would they.

[popeyewhite]

MartG said:

Buying a car recently - 'only' £7.5K - trying to pay by bank transfer triggered all sorts of anti-fraud issues, but paying by debit card went straight through

Try NatWest for the full clusterfk.

Italy a while back, filled up with petrol, elderly parents sat in hirecar. NatWest declined payment, forecourt chap unsympathetic, had to leave my parents in the car while I ran 2 miles back to the hotel to get some cash. Furious. Yes, I'd informed the bank I was on holiday a week or two previously.

[anonymous-user]

When shopping why do old people have to touch every product, fondle it, spend 5 minutes looking at it, look at the very back of the shelf, which means pulling them all out, then just put them back and move onto the next product to repeat the process. Squeezing bread is one, I can understand to a point batch produced bread, but bread made in a factory, they are all the fking same....

Edited by anonymous-user on Friday 18th June 14:42

[V8mate]

The Spruce Goose said:

When shopping why do old people have to touch every product, fondle it, spend 5 minutes looking at it, look at the back, which means pulling them all out, then just put them back and move onto the next product to repeat the process. Squeezing bread is one, I can understand to a point batch produced bread, but bread made in a factory, they are all the fking same....

And then when they realise you're waiting to access the same item... they drop their guts.

[Sway]

talksthetorque said:

captain_cynic said:

This largely depends on your bank. As far as I am aware there isn't a legal limit, only a requirement to automatically report transactions over £10k (from.mlemory) due to money laundering regulations.

£25K is the magic number for my cards per the product statements but as has been mentioned a call to the bank would.lilely get around this.

10k was the trigger for the car buying debit card experience we had, had to do a 9k and a 3.5k, went through no problems.

Those money launderers would never work out that little wheeze would they.

Even if they did, it'd be reviewed...

[HappyMidget]

popeyewhite said:

MartG said:

Buying a car recently - 'only' £7.5K - trying to pay by bank transfer triggered all sorts of anti-fraud issues, but paying by debit card went straight through

Try NatWest for the full clusterfk.

Italy a while back, filled up with petrol, elderly parents sat in hirecar. NatWest declined payment, forecourt chap unsympathetic, had to leave my parents in the car while I ran 2 miles back to the hotel to get some cash. Furious. Yes, I'd informed the bank I was on holiday a week or two previously.

Can't use Lloyds debit cards for the BPMe app. Always gets declined with the automatic text asking if it was me. It's my local station, I have been going there for years, yet it is always refused. Bloody annoying.

[popeyewhite]

The Spruce Goose said:

When shopping why do old people have to touch every product, fondle it, spend 5 minutes looking at it, look at the back, which means pulling them all out, then just put them back and move onto the next product to repeat the process. Squeezing bread is one, I can understand to a point batch produced bread, but bread made in a factory, they are all the fking same....

Conscious of virus transfer and infecting infirm relatives, I've been wary of touching too much stuff in the shops, so I've noticed others doing it a lot more. But old people!! What do you achieve by fondling different copies of the same newspaper, or picking up and replacing pints of milk, or every single bloody in-date package of salmon tails?

[The Mad Monk]

What is the name of the British financial adviser - now discredited - who was top of the game in the late 20th century, and early 21st century?

Not Jim Slater. The other one?

I can't think of his name. It's driving me mad.

Edited by The Mad Monk on Friday 18th June 15:35

[Clockwork Cupcake]

The Spruce Goose said:

When shopping why do old people have to touch every product, fondle it, spend 5 minutes looking at it, look at the back, which means pulling them all out, then just put them back and move onto the next product to repeat the process. Squeezing bread is one, I can understand to a point batch produced bread, but bread made in a factory, they are all the fking same....

Not just old people, but kids too.

I had to laugh when shopping once when a mum angrily turned to her young son and shouted "Will you... STOP!!!... TOUCHING stuff" because my step-son was exactly the same at that age.

Having said that, I will always touch clothes when looking at them because the feel and texture of the fabric is as important as the colour. But I think that's different.

Edited by Clockwork Cupcake on Friday 18th June 14:53

[generationx]

The Mad Monk said:

What is the name of the British financial adviser - now discredied - who was top of the game in the late 20th century, and early 21st century?

Not Jim Slater. The other one?

I can't think of his name. It's driving me mad.

Not the Barings Bank bloke - Nick Leeson?