Cashless society ?

[otolith]

dandarez said:

The odd thing was I asked if I was being pressurised? I said 'what?'. 'Oh we have to ask now, just in case.'
I can sort of see now that had I have been a female I suppose. But even then, would they say anything? Doubtful.
Modun' world again.

It wasn’t instigated for the protection of women, it was for elderly people being ripped off for roofing or tarmac, etc. And as you often mention, you’re ancient

[Robertj21a]

craigjm said:

Robertj21a said:

Virtually all of those could have a bank account if they wanted to. Their option.

Absolute tosh.

??

A basic current account is readily available to many applicants.

[craigjm]

Robertj21a said:

craigjm said:

Robertj21a said:

Virtually all of those could have a bank account if they wanted to. Their option.

Absolute tosh.

??

A basic current account is readily available to many applicants.

About half of that 1.5m “unbanked” population would like a “basic bank account” but are barred from getting one for various reasons and without a stable job, stable home, credit history, adverse issues like bankruptcy etc a great number of those will never get one. The issue really is the 50% of that group that don’t want an account even if they could have one. This is based on things like literacy, trust, domestic violence etc. It’s not right but it’s a fact of our society that a chunk of it is excluded from banking services. It’s easy to look at the world through your own eyes and assume everyone is the same. Some of the stories behind the unbanked are based on deception, avoidance and illegal activity sure but the vast majority that are trapped in it have much more harrowing tales to tell.

[Robertj21a]

craigjm said:

Robertj21a said:

craigjm said:

Robertj21a said:

Virtually all of those could have a bank account if they wanted to. Their option.

Absolute tosh.

??

A basic current account is readily available to many applicants.

About half of that 1.5m “unbanked” population would like a “basic bank account” but are barred from getting one for various reasons and without a stable job, stable home, credit history, adverse issues like bankruptcy etc a great number of those will never get one. The issue really is the 50% of that group that don’t want an account even if they could have one. This is based on things like literacy, trust, domestic violence etc. It’s not right but it’s a fact of our society that a chunk of it is excluded from banking services. It’s easy to look at the world through your own eyes and assume everyone is the same. Some of the stories behind the unbanked are based on deception, avoidance and illegal activity sure but the vast majority that are trapped in it have much more harrowing tales to tell.

Yes, well aware of that.

The basic current account won't let you go overdrawn, so previous bankruptcy and credit history aren't as relevant as they would be for other types of account.

I accept that 50% may simply not want a bank account - but that wasn't the question.

[The Mad Monk]

Frank7 said:

You can buy a ticket from a machine at a station, or top up an Oyster Card, but my wife tells me that just buying a ticket is a more expensive way to travel than using Oyster.

Tell your wife that it is no dearer and a lot more convenient to use a contactless credit card.

[craigjm]

The Mad Monk said:

Frank7 said:

You can buy a ticket from a machine at a station, or top up an Oyster Card, but my wife tells me that just buying a ticket is a more expensive way to travel than using Oyster.

Tell your wife that it is no dearer and a lot more convenient to use a contactless credit card.

It’s cheaper to use a contactless card because it adds up all your journeys to give you the best price

[Spidersleg]

PF62 said:

So who complained? The family member / neighbour, / friend, etc. who heard about what was going on and was worried granny was handing over £20 in cash for a loaf of bread and getting bamboozled by the money shuffle and getting 50p in change.

My money would be on a snake co-worker

[Frank7]

The Mad Monk said:

Frank7 said:

You can buy a ticket from a machine at a station, or top up an Oyster Card, but my wife tells me that just buying a ticket is a more expensive way to travel than using Oyster.

Tell your wife that it is no dearer and a lot more convenient to use a contactless credit card.

Monk, I sincerely accept that you meant well, and I thank you for it, but my wife is no dummy, she’s had an Oyster Card from virtually the day that they were issued, and now at 60 has an over 60 Oyster Card.

[projectgt]

If no one has said it already...

dirty cash

There has got to be a lot of small companies suffering during corona virus due to years of tax avoidance, underplaying earnings/turnover.

[bad company]

Woman fired for accepting cash.

https://www.google.co.uk/amp/s/www.nottinghampost....

[Robertj21a]

bad company said:

Woman fired for accepting cash.

https://www.google.co.uk/amp/s/www.nottinghampost....

Woman fired for flouting company policy........

[tertius]

craigjm said:

The Mad Monk said:

Frank7 said:

You can buy a ticket from a machine at a station, or top up an Oyster Card, but my wife tells me that just buying a ticket is a more expensive way to travel than using Oyster.

Tell your wife that it is no dearer and a lot more convenient to use a contactless credit card.

It’s cheaper to use a contactless card because it adds up all your journeys to give you the best price

Oyster does that as well.

Personally I prefer Oyster as I don’t like having a bank card permanently “loose” ready to use on the tube. Perhaps I’m old fashioned but bank cards live in my wallet!

[The Mad Monk]

Frank7 said:

Monk, I sincerely accept that you meant well, and I thank you for it, but my wife is no dummy, she’s had an Oyster Card from virtually the day that they were issued, and now at 60 has an over 60 Oyster Card.

In that case the dear lady is doing the right thing. The contactless credit or debit card method does not discriminate, it thinks you are a bog standard adult.

Thank you for your courtesy.

[So]

I am in the middle of a project at the moment and the client is insisting he pays in cash.

I said to him you can if you like but the price is still the same, and yet he still insisted.


Never one for turning down payment of any form, i now have 30 odd k i have to get into the bank, and try and explain where it came from.

[Tyre Smoke]

Surely you tell the bank your client insisted on paying cash? If it's all above board, where's the problem?

[bad company]

Robertj21a said:

bad company said:

Woman fired for accepting cash.

https://www.google.co.uk/amp/s/www.nottinghampost....

Woman fired for flouting company policy........

Woman fired harshly. Massive backlash against her former employer. The ex employer has had to close their Facebook & Twitter accounts due to adverse comments.

Online petition to get her reinstated:-

https://www.change.org/p/lesley-bird-chief-operati...

[red_slr]

So said:

I am in the middle of a project at the moment and the client is insisting he pays in cash.

I said to him you can if you like but the price is still the same, and yet he still insisted.


Never one for turning down payment of any form, i now have 30 odd k i have to get into the bank, and try and explain where it came from.

Let me guess.... all old £20s?

[purplepolarbear]

Tyre Smoke said:

Surely you tell the bank your client insisted on paying cash? If it's all above board, where's the problem?

Would the bank ask who the client was, and would you feel comfortable telling them if they did?

Also, would paying in a large amount of cash trigger someone to look at what you're doing - I'm sure all will work out OK in the end if everything is legitimate but the hassle of being investigated would be stressful and time consuming.

[So]

purplepolarbear said:

Tyre Smoke said:

Surely you tell the bank your client insisted on paying cash? If it's all above board, where's the problem?

Would the bank ask who the client was, and would you feel comfortable telling them if they did?

Also, would paying in a large amount of cash trigger someone to look at what you're doing - I'm sure all will work out OK in the end if everything is legitimate but the hassle of being investigated would be stressful and time consuming.

It is a pain in the ass, however all relevant documentation will be taken to prove my side if required.

What he does is not my problem.

[RC1807]

So said:

purplepolarbear said:

Tyre Smoke said:

Surely you tell the bank your client insisted on paying cash? If it's all above board, where's the problem?

Would the bank ask who the client was, and would you feel comfortable telling them if they did?

Also, would paying in a large amount of cash trigger someone to look at what you're doing - I'm sure all will work out OK in the end if everything is legitimate but the hassle of being investigated would be stressful and time consuming.

It is a pain in the ass, however all relevant documentation will be taken to prove my side if required.

What he does is not my problem.

....unless it's laundering cash?!


During a very long cycle ride yesterday, I visited 2 places, a café/bar (brekkie!) and a pub/resto (late lunch), and neither of them took cards, contactless or otherwise. The last bit of cash I had on me, lush €15 borrowed from my cycling buddy paid for lunch.
Everywhere else, at the moment, shy away from handling cash, for obvious reasons.