Processing a debit?

Surfer replied on 03/11/2016 10:22

Posted on 03/11/2016 10:22

Our membership was due for renewal on1st November and we had a letter in early October reminding us about the renewal.

We went Online and paid the membership in early October but it took the CC three weeks to process the debit!  Whycan't the CC do the debit within 2 -3 days instead of waiting 3 weeks to process the payment. 

Is this another IT faulure or just poor management?  Next year we will wait until we are chased for payment before making a payment.  We try and avoid unnecessary DDs especially if it is only once a year.

replied on 15/11/2016 09:12

Posted on 15/11/2016 09:12

It's usually necessary to pay cash or cheque when staying on a CL or CS. Club sites can take card payments and contactless as well if the amount due is less than £30. I always prefer to pay by card. Paying cash seems a bit old fashioned these days!

Also, with cash, there is no record of how much you are spending. Card transactions are shown on a statement which can be accessed online, so you can see each and every transaction.

Metheven replied on 15/11/2016 10:35

Posted on 15/11/2016 10:35

Also, with cash, there is no record of how much you are spending. Card transactions are shown on a statement which can be accessed online, so you can see each and every transaction.

Cash has to be got from somewhere ..... in my case because I always like a few notes in my wallet, it's £100 out of the 'hole in the wall' periodically and it shows up as that on my online statement. Although I like to carry a few notes always, my cards get most used in transactions.

replied on 15/11/2016 10:48

Posted on 15/11/2016 10:48

If you need a record of spending, you could always make your own record.

Write your comments here...That's extra work though, KjellNN. With card payments, the bank does that for you!

brue replied on 15/11/2016 11:01

Posted on 15/11/2016 11:01

As with any payment, cash or card, a receipt will always give you a record, even it's handwritten. Laughing

Bakers2 replied on 15/11/2016 11:03

Posted on 15/11/2016 11:03

Using cash and keeping account is easy if you want to keep track of spending and keep your budget under control. Simply withdraw your limit for day/week/month and use wisely there will be no more when it's used - certainly focuses the mind .  With cards it is very easy to keep paying and realise too late how those few quid small purchases add up!!! I like to keep cash on me at all times but generally use a card. 

Real BIG issue comes with power cuts/systems down etc. Our way of life now is so controlled by computers, its almost them controlling us rather than the other way round

Bakers2 replied on 15/11/2016 11:05

Posted on 15/11/2016 11:05

Sorry we have rather taken this of original post but still useful.

Good to see a response from HO eventually. As we thought they take your money on or after the date its due not before .

KjellNN replied on 15/11/2016 16:27

Posted on 15/11/2016 16:27

If you need a record of spending, you could always make your own record.

Write your comments here...That's extra work though, KjellNN. With card payments, the bank does that for you!

Small notebook, will fill in the time between deliveries, only takes a minute or two.

Or do like I do, make a spreadsheet and fill it in from receipts.

But, as B2 said, with cash from the bank, when it's gone it's gone, and your bank record will tell you how much you drew out.

IamtheGaitor replied on 21/11/2016 19:35

Posted on 21/11/2016 19:35

Had a letter from the Council today

''The council no longer have the facility to accept cash or cheques...''

Interesting that they have taken this route. 

Wildwood replied on 21/11/2016 20:47

Posted on 21/11/2016 20:47

Had a letter from the Council today

''The council no longer have the facility to accept cash or cheques...''

Interesting that they have taken this route. 

There is no legal requirement to accept cheques and a lot of businesses do not but cash is legal tender and they cannot legally refuse it.

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