passport
Answers
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@DavidKlyne not for me at all, as posted somewhere I cannot remember the last time I carried coins, and only carry notes when I know I'll need them, the most common one being tips for restaurant staff, yes I know you can add that one to the bill on the card reader but I don't completely trust that will go to the staff involved and then will they pay tax on it? Also I like the personal touch.
Also it is very rare in everyday living that I carry a physical bank card and just have google pay on my phone.
Last December I was in newcastle and a (perhaps) homeless person asked for some money, I said I was sorry but no cash, he replied that he had a bank card reader and a contactless one too! But I did buy him a coffee and pasty from Greggs, as I usually do in these cases. Although in Keswick last year I said I'd buy someone who looked homeless something from Greggs and he replied great but he was a vegetarian! Fair enough.
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I would go further and say it should be cashless and compulsory payment the night before. After all there is less than 24 hours between them taking the money and arrival. The only reason I can think of for payment on the day continuing is if you have a free site night voucher. If the club got its act together and you could put voucher codes in at the payment screen that would sort that.
In our 20 year membership and hundreds of stays I can only remember paying cash once, years ago when we arrived late after they had turned everything off and we wanted to leave at 7am.0 -
I’m all for cashless. We are going away in a few days and part of our stay will be at a CCC THS. they want paying in cash or cheque! I will need to get money out of the bank specifically for that, which annoys me. I can’t remember the last time I used a cheque and I believe cheque books are no longer normally distributed. I understand the bit about kids being able to go and buy an ice cream from the shop with a bit of cash and I’m sure they don’t require ID for that. However, if I were to buy a few things from the shop I would expect to use a card as I do from home. Essentially the only time I use cash is at campsites, usually for paying small CLs at £10 a night.
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@SteveL Agree with cashless however not to payment the night before, yes it's only 24 hours but something could happen and you can't travel on the morning of departure (hopefully not). I know you would lose the deposit and should get the rest of the money back, but, and this is not only a criticism of the club, but companies quickly take your deposit/payments but say they'll take 3 to 5, I've even had 10, working days to get the money back in when it's owed.
Now for a weekend that's fine, £80? but for a week or longer someone might would want it back quicker for some reason. I certainly would just on the principle of them owing me money and they take it quick enough but take days to give it back.
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@Hja for some reason your mention of cheque book brought back a memory of how 'grown up' I felt using a cheque book with the cheque guarantee card when I first got one in 1979.
I remember the books at the time were given out with a stiff plastic cover with the bank's logo on it, mine was Midland Bank, and they gave you a larger wallet to store you statements in.
I felt even more grown up when I got my first credit card which was Access in 1982. I notice many old shops still have the Access sticker on their windows.
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The last time I used a cheque was three years ago and that was only because it was a charitable donation and I refuse to send my card details through the post because it includes the security code. I rarely carry any cash these days and even use my card to buy the Sunday newspaper - something I would never have dreamed of doing prior to Covid.
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And isn’t it a pain when you’re sent a cheque? DVLA are big culprits.
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The Nat West App allows you to pay them in by photographing them within the App. I don’t know if it applies to personal handwritten ones but it works OK with those from the the DVLA and HMRC. I would think the same will apply to other banks. When they first launched the facility few years ago it was difficult to take an acceptable photo. However, now it’s very fast and easy to use.
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Speaking of owned money Mrs C is owed £5.15p by the HMRC for the last tax year, when she rang in she was told they normally only do refunds when amount owing reaches a minimum of £10! However we could write in and ask for the amount, we have.
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Thanks, Steve. I must investigate further. I make trips to the local Post Office with mine which is certainly easier than playing hunt the branch.
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Then people get up in arms when the banks close their local branches. A lot of shops are refusing cash simply because the banks have closed leaving them unable to bank their takings.
I'm pretty sure the bankers all love your cashless ideals as it means far fewer overheads for them. Less employees, less building costs, less security requirements, less insurance, more profits for them!
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I see it more as adapting to change and the use of new technologies. 30 years ago or so we had a bank in the village. That closed as a cost saving and we had to go to the next village, then the nearest town and now a further away town. Fortunately there is now very little reason to go into a branch. We haven’t visited ours for several years.
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It's because banks have closed branches that we are having to use Post Offices and online services. Don't forget it was the banks who persuaded us to use online banking in the first place.
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We still use cash for paying for sites, but these are CLs and CSs where the owner specifies cash as a means of payment. We have noticed more and more of them will accept Bank Transfers which I prefer to use.
There are still some smaller site owners that don't require deposits and rely on honesty payments at the end of ones stay if they are not present.
I like to keep a few notes just in case.
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We have a Chase account each and that doesn't have any actual branches and maybe because of that we get some really good returns as well as cash back and no overseas fees and other offers.
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Dave if you go back far enough in time there was no choice but to use cash. However we have developed technology which could, if we wanted, do away with the need for cash completely, it is only the unwillingness of the public that prevents it happening. You are right there are huge cost savings to businesses in not processing cash. Very few retailers will now accept cheques for the same reason. On Monday I had an appointment at our local hospital and I needed yo use a taxi for both journeys as I am still unable to drive. I use an an app on my phone to arrange the journey and also to automatically pay the fare. unfortunately the payment was not working so I had to pay cash which luckily I had but it was inconvenient.
David
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Of the people who come and work here the cleaning lady, builder, gardener, tree surgeon, and logs delivery man all like to be paid in cash.
And last week I phoned for a taxi and asked the price for a 8 mile ride to the train station. He said Will it be cash? Can any of you work out why.1 -
Opposite here @eurortraveller - I pay our gardener, window cleaner, log man, coal man and even the guy who recently did all our fencing, by bank transfer. They know the money will be in their bank almost immediately and it saves them the hassle of having to deal with cash. We've been in this house for almost 13 years now, and I've never been inside a bank during that time - and for a long time before that. On the very rare occasion I have a cheque to pay in - I can do so via the banking App and a photo - so easy to do. Since there no longer are any banks in Hornsea, my only other option would be to go to the banking 'hub' on the correct day - or driving to Beverley which would be a pain.
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Its certainly interesting how apps on phones have bypassed online banking websites. We have a regular chiropodist who in the past has preferred to be paid in cash but we did know that some clients do pay by bank transfer. Given the current issues I have she allowed me to pay by bank transfer. setting it up on the app was easy and the payment made in no more than 5/10 minutes. If I had set it up in online banking I would have needed to use a card reader with the associated hassle. So I get the impression that banks prefer people to use their Apps?
David
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We still have one bank branch not too far away that we use about twice a year, a Bank of Scotland one, who will also deal with Halifax queries, but they both accept cheque deposits via their apps, including hand written cheques. OH has a few different accounts with Halifax for our 2 youngest grandchildren, so gets passed birthday and Christmas cheques from Granny to pay in.
She has had quite a bit of interaction with Halifax recently as we have been placing matured funds with different providers, and sending some of Callum’s savings to a better paying account with HSBC now he is 7. Halifax stopped the transfer, even though both accounts are in Callum’s name, so a long phone call ensued. She had another grilling by them a few months back when transferring funds that had come through our main account from another account in her name and were to be placed with a different bank in an account in her name.
So when she had an account that matured today, and had opened an account elsewhere to move the funds into, she expected yet another grilling, but no. This time it all went through immediately. Mind you, the matured funds had come from a Lloyd’s Banking Group member, perhaps that made a difference?
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For us the card reader isn’t required to get into our accounts on internet banking, just account reference , pin and password, plus a one time code on the registered mobile if you have asked for an additional layer of security. Where the card reader comes in is if I want to make a payment to a third party. For transfers between our accounts, such as current to credit card, it isn’t required.
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@DavidKlyne "If I had set it up in online banking I would have needed to use a card reader with the associated hassle. So I get the impression that banks prefer people to use their Apps?"
You're certainly right that banks seem to be pushing people towards apps. I find phone apps difficult, due to having essential tremors, but I think I am right that my bank require that the phone is protected by finger print or face ID if you use the App. I find that far more hassle than getting a code to log in through the online website. In my bank's case, it is even easier than most, as it requires just a small device (not a reader with a separate card). There are no more steps than using the app as far as I can see. I am not sure what you meant by "associated hassle". Surely, it is just the same, once logged in, as doing it on the app. Mind you, if you are actually at the trader's premises, then you can do it there and then, whereas I have to wait until I get home and if the trader doesn't trust me, that could be an issue!
On a separate point that you made earlier - not sure if anyone else has commented on this - the money laundering rules surrounding cash apply where large sums are involved (over 10,000 euros). They can hardly apply to buying an ice cream or even paying for 30 days of site fees. I do not think the need for ID has anything to do with that.
As with many others, I hardly ever carry cash now - just coins in my car for car parks or emergencies. I also pay all traders - window cleaner, gardener, electrician - you name it, by bank transfer. There was a time when traders baulked at that, mainly so they could evade tax, but in my experience they realise too few people will put up with that now.0 -
@Graydjames between us my wife and I use both NatWest and Nationwide and they both require a card reader to set up a new payee on online banking but not on their Apps which I don't quite understand the reasoning, they clearly think that setting up via online banking is more risky? Neither of them require anything other than numerical code to log into the app. A not so funny story but before I went into hospital I purchased a new mobile phone. Because I had it in hospital with me one of my sons suggest using a locking code, which I did and promptly forgot, glad I had my old phone? This caused a lot of hassle as the new phone had to be reset so I am reluctant to use a locking code again but may be forced to use either finger print or Iris recognition in the future, although I won't volunteer! I suppose we all get used to using our phones in our own way?
David
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We like @Wherenext stay mainly on CLs, CSs and THS many of which require cash payment. During our present trip we have paid cash at 8 out of the 12 locations we have stopped on, with two others by bank transfer and two club sites so used one of our cards there. We always head off with a reasonable amount of notes to cover our initial site fees and then top up, usually at Aldi, as and when we need more.
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See the previous page. The events giving rise to the need for ID when using cash did not occur at every site. Therefore, ID is only needed at those susceptible sites. It's pretty clear but I can’t spell it out any more than that.
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i always pay cash and have done for 30 years, so now i need id but if i use a dodgy card that’s ok,
This all seems like a way to day away with wardens and introduce robots to the running of the site
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