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My point exactly. And when I check my account - which incidentally I don't have time to do daily - if there aren't sufficient funds it will take at least three days to get them there.
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So that wouldn't be a problem then would it.. Lets assume you can have an E-bill, that would give you well over a week to ensure the money is available. Millions of people manage every day for hundreds of millions of transactions, just by managing their own finances.
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I give my money, no one takes it!
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Your call, your choice, your decision as to paying non DD charges.
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but if you're happy letting people take uncontrolled amounts from your account Whistled
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Nothings uncontrolled from my account, I know what services I pay by DD, I have the dates set to suit me but funds would never be unavailable anyway. I know exactly how much will be coming out , when and all without a paper bill.
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I expect you're probably comfortable buying things over the phone and give out your card number and full details including cvv number
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Dont really like speaking to people on the phone so not really - Internet though and occasionally booking hotels
Quite happy using my credit and debit cards though including cvv number, even on my corporate AMEX which is unlimited and linked to me personally.
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When some unscrupulous sort from a call centre is flogging the details in pubs you may see the weakness in our so called secured banking system - and no, the banks won't refund the money if you knowingly gave out your details.
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Yep, yep they will - Having started my working life in banking, ive seen it and done it. Quiet safe, have no worries there. The disclaimer you're referring to applies to friends, family, colleagues etc or where it is proven you have not behaved appropriately. Using a card correctly for its purpose is not a problem.
My bank even refund me if I lose or damage something I bought with my Platinum card (within 6 months i think). They are nice like that and I have used the facility twice!
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Direct debit is for the convenience of the banks and companies - not the people who's money it is.
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I wouldnt have services with a company that wouldnt allow me to pay by DD so its 100% for my convenience