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bearkat419
Baiting Guru
Joined: 25 Jun 2007
Posts: 4445
Location: Houston, TX
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Posted:
Thu Mar 13, 2008 7:59 pm |
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Quote: |
if a customer has a cheque book, then he/she should have a valid debit card to support it anyway, |
Really? That's news to me |
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Mugatu
** Retired **
Joined: 13 May 2007
Posts: 3773
Location: The star of India
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Posted:
Thu Mar 13, 2008 8:05 pm |
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I may be getting a case of the misread rolly eyes here BK, can you clarify what you mean?
All I was saying is that most banks these days are issuing a cheque guarantee card with a cheque book. Most shops will never entertain the thought of accepting a cheque without the guarantee card. And the guarantee card can be used as a means of payment alone.
Now if that was obvious information to you then fair enough, but it may not have been obvious to everyone. |
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bearkat419
Baiting Guru
Joined: 25 Jun 2007
Posts: 4445
Location: Houston, TX
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Posted:
Thu Mar 13, 2008 8:11 pm |
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Okay I guess a check book in the UK is vastly different than in the US. In the US, a check book is a check book, and a "debit card" is a piece of plastic that appears to work like a credit card except that you have to enter a pin number and it withdraws the money straight from your checking account instead of running a balance of what you owe for the end of the month. I thought you were suggesting that anyone who has a check book should also have the latter, and as most people I know do *not,* I was rather confused. |
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Mugatu
** Retired **
Joined: 13 May 2007
Posts: 3773
Location: The star of India
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Posted:
Thu Mar 13, 2008 10:47 pm |
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I see. In the UK a cheque book is now sod all use without the card that backs it up, and that has to be a debit card or credit card. I see what you mean now. |
_________________ - because you deserve them! x19
Thinking of using phone modalities? Attend the 419eater university on audio baiting.
"They made me to understand you are a Fraud Star" - Ikenna.
"I like traveling very much, it is so exciting and interesting to see foreign countries. but I have never been to foreign countries." - Marina.
"I will have you now I am highly reputable businness magnet." - Pam Doh
"Sorry,i do not know you are all that: a destitute and nuts" - Ben Chris |
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Afferbecklauder
Master of Master Baiters
Joined: 08 Jan 2007
Posts: 923
Location: Wide open spaces
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Posted:
Fri Mar 14, 2008 2:03 am |
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As a person (in Australia), who has cause to accept cheques regularly, I applaud the legislature, who a few years back, introduced laws into the Criminal Code, making it an offence to issue a cheque without sufficient funds to cover that cheque.
Whilst direct transfer is rapidly overtaking the use of cheques here, that law has reduced the number of bounced cheques significantly.
Whilst the penalty is usually a fine in the magistrate's court, the attendant publicity is sufficient to deter most would be offenders.
I recall the days when business people, mainly publicans, reserved a substantial part of a wall for displaying dishonoured cheques. That was also effective in reducing the number of dud cheques. |
_________________ DEVIL NA E GO KILL YOU THIEF Williams J Spillboard
I will send a photo copy of your draft to your state security agent with all your information that you are using the money to finance TERRORIST in America that you have received one already, and you also involved in the slept 11 attack.
NA BABA GOD GO PUNISH INA LIVES ANY WHERE INA DEY PLUS
UR BASTARD GOMER COS IN NO BE MISTER ATALL U SILLY
SCOMBERGS U NA DEY CUTT MY JOBS ABI.NO WORRY I NO GO
TELL UNA AGAIN,BUT IF UNA TRY AGAIN UNA NO GO WAKE
FROM SLEEP THE VERY NEXT MORNING I MEAN U WILL BE
MURDERED WITHOUT WARNING THE VERY NEXT MORNING NINFO . Walter Savvidez
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cvb
419Eater is my life
Joined: 14 Apr 2005
Posts: 489
Location: UK
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Posted:
Fri Mar 14, 2008 10:07 am |
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Mugatu
Quote: |
I see. In the UK a cheque book is now sod all use without the card that backs it up, and that has to be a debit card or credit card. I see what you mean now. |
This is not correct. Just to muddy the waters. I am in the UK and I have a bank account with a cheque book and a Cheque Guarantee card which is not a debit card. I have a seperate Cash Card for hole in the wall withdrawals. I use cheques to pay bills as there is more of an audit trail if things get disputed later on or if something goes wrong. |
_________________ x2
He is in for a big shit this time.we have located his destination in the northern part of Nigeria were he lives with his family.I will suck his balls out of his pants once we get hold of him on our trip.
JACK WARNER Nigerian Scammer |
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Gnasher
Baiting Guru
Joined: 29 May 2006
Posts: 2849
Location: Centre Stage in the Theatre of Cruelty
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Posted:
Fri Mar 14, 2008 8:55 pm |
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It's an offence to issue a cheque when there are insufficient funds in the account in many countries, not just Australia. It's seldom enforced of course but it has nothing to do with the fact that banks earn a lot of money from bounced cheque fees. Cynic, moi? |
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