Why I do not have a bank account.

[dave]

Do I miss Direct Debits??? Hmmmm...let me think....

 

I had the electric company take 411.11 once by 'accident' - the amount should have been 41.11. Did they pay the charges that this caused - errr....no, and it took over two weeks to get the money back from them - they kept insisting that they would keep it and I would get reduced bills for the next 9 months. Bloody cheek.

 

This wasn't the first time either.

 

Basically, my wages get paid into a friends account, then drawn out in cash each month. Not ideal, I'd rather have the money paid straight to me in cash in a shoebox.

 

I do miss being able to pay for things on-line, however, a paypal account or similar could sort that out, and to be honest, so far it's stopped me from making spurious, impulse buys on ebay; so not necisarally a bad thing.

 

I do like having access to my money before anyone else. I do like the fact that if I don't have enough money to pay for something, I won't take 35 quid off of myself, then again a few days later and then charge interest on it.

 

I do like not having to prove to myself that I am who I say I am with 14 peices of identification.

 

I do like not having to queue up at lunchtimes to try and get something paid.

 

I like the fact that if I pay for something in cash, it takes the length of time it takes to put my hand in my pocket and hand it to whomever it is that needs paying- rather than 8 working days, but only if there isn't vowel in the name of the day etc...

 

All firms (so far - apart from one, who will ONLY accept direct debit, and thus haven't been paid) will let you pay money into their account in cash, which is useful as when my money is withdrawn by my friend she simply then hands the cash over with the payslips and all the bills are paid too. No worrying about if there is enough cash left to pay them, no worrying about bouncing cheques, DDs or SOs, simply it all gets paid and that's that. If it takes too long to get to the firm that needs paying, then bad luck. I didn't make the rules - the banks did. They made their beds and they can lie in them.

 

The rest of the cash is mine to do with as I please, and I do, as it should be.

 

It's much simpler, and I know exactly what 'balance' I have at any given moment. (sadly, it's usually not a lot, but it's a lot more than it would be if I used a bank account).

 

BTW, my facebook profile is here if anyone wants to add me: Dave Smith | Facebook

[tomterm8]

I also don't have a bank. Bottom line is, I would rather be robbed by an honest criminal than by a bank. I don't trust banks, they always gave me bad service, and the last bank I used not only kicked me when I was down, but hired goons to harass me by telephone. That was after I'd been a good customer for a decade.

 

I can get on very well with a post office savings account, and cash.

[dave]

Agreed. I can't really understand why anyone would actually WANT a bank account these days. Their service is rock bottom, there's no loyalty to customers at all and they basically push the law to it's limits just to make even more obscene profits from the people that can least afford it.

 

It's unbelievable behaviour, yet, because it's from a bank we take it laying down...or at least used to.

[kia]

wish i could do it but its not possible im afraid but i do think your great dave doing it might start a revloution :Dxxkia

[Lula]

Well looking at it, dave can't really do without one either, he just uses someone elses, so in effect, he isn't doing without one

[ananya]

I'd love to get rid of ours but there's no way we could manage without it.

[kia]

snap ;)xxkia

[dave]

Well looking at it, dave can't really do without one either, he just uses someone elses, so in effect, he isn't doing without one

 

Exactly! ...and that REALLY annoys me.

 

It's about time the law was changed BACK to how it was prior to 1984. It was changed to protect us from thieves. Well...need I say more?

[kia]

now it needs changing to protect us from the banks :mad:xxkia

[ananya]

We can but hope

[kia]

but dont hold breath eh :confused:xxkia