Standing Orders and Direct Debits.

Advantages: Provide Easy payment methods
Disadvantages: You loose some control to banks and companies

...will need to send you a paper mandate (direct debit form), you complete the relevant boxes (there are not many usually). Send it back to the TV License Company and a few days later it appears on your bank account. The TV License Company will then take the money agreed previously with you. An example of a standing order, - You want to put £30 in your friends account on the 25th of the month, starting this month for the next 30 years. You will need their Branch Sorting code (usually 6 digits) and their account number (usually 8 digits). When you send the payment you send it with a reference ? from Steve - this allows your friend to identify the credit. You tell your bank to do this for you and your friend has no control over your account. I would say by and large the only disadvnatage of the above methods of payment is that some people...

Charliebuoy 07.02.2003 · Read review
Ciao members have rated this review on average helpful
Review of Direct Debit Card/Payment Services

I'm Just Ringing To Tell You I'm Not Dead!

Advantages: Quick and simple to set up; Never get into arrears with bill payments
Disadvantages: Might be difficult to budget for if you are not paid monthly

...the same every month. That means I know that on the 22nd of each month, Severn Trent Water will take the amount that I have agreed. This cannot change without at least 7 working days notice, therefore it is fixed. However, I pay my phone bill on a variable direct debit. This means that whatever the bill comes to, that is the amount NTL will take. Of course, this is harder to budget for as some months it can be as low as £7 and others as high as £20. Credit card bills are usually paid this way to, with the company taking the minimum payment on a direct debit. The company should send you a statement with the amount they are going to take well in advance of the payment being made so you can make sure funds are in your account. CAN I CHOOSE HOW MUCH I WANT TO PAY? This depends on the company and what the bill is for. I pay my council tax...

AnitaM 08.12.2003 · Read review
Ciao members have rated this review on average very helpful
Review of Direct Debit Card/Payment Services

Money, Money, Money

Advantages: Saves you time and effort, free to set up, leaves the money in your account to the last possible moment
Disadvantages: If you're no careful you can lose track of spending, mistakes have been known to happen

...A large part of my last job in the UK involved sorting out the troubles customers got themselves into when they “forgot” to pay their store card bills, and at least 5 times a shift I could be heard to mutter the immortal words “Well why don’t you set up a Direct Debit?” I’ve got a few of the lovely DD things – one for my rent, another for my credit card and a third for my staff card, but just what are they? 1. What is Direct Debit? Direct Debit is a simple and safe method of paying bills and subscriptions automatically from your current account. You and the company in question agree the amount to be collected and the date on which this will happen, and then you sit back and relax. From then on the amount will be deducted from your account on a regular basis. The company can only take up...

zoe_page 23.01.2003 · Read review
Ciao members have rated this review on average helpful
Review of Direct Debit Card/Payment Services

Anyone for chips?

Advantages: Decrease in fraudulent activity, more efficient customer service
Disadvantages: forgetting your PIN!

...N.B. Admittedly this could be under the wrong heading. Although it doesn?t come under Direct Debits, it does come under payment services, perhaps a general heading in this category would be useful; anyway that is why I have added it here! For the sake of argument we?ll call it blurring the line! Chip and PIN is a new initiative being pioneered by the banking sector and a number of major retailers. Chip and PIN will be a revolutionary change for consumers in the way in which the complete card transactions at the point of sale. ?Chip and PIN what is it? Chip is an intelligent piece of microchip technology that will be added to all plastic payment cards including debit cards (E.g. Switch) and credit cards (E.g. Visa and MasterCard) this chip will store the cardholder?s personal details. Pin is a personal identification...

redpen 01.07.2003 (03.07.2003) · Read review
Ciao members have rated this review on average helpful
Review of Direct Debit Card/Payment Services

A Debit Card? A Credit Card? It's a Webcard!

Advantages: Secure purchasing on the Web
Disadvantages: Such a hassle trying to apply for it

...that I do without considerable thought. I have to be pretty sure that I can trust the other party and even then I have this feeling at the back of my mind that I am taking a risk, even with so called reputable organisations. After all, financial organisations as well-known as Nationwide have been known to let their customer's details get into distinctly suspect hands. What the article discussed was a facility that took away all the risk and seemed so simple and obvious that it was a surprise that no one else had thought of it. It was a credit card designed specifically for the web. A Webcard. The way that the Cahoot Webcard works is that it is a "virtual" debit card. It does not exist in a physical form, only as software. What makes it secure is that you can only use it once. So, what use is that if you have to apply for a new debit...

grahamft 02.08.2008 · Read review
Ciao members have rated this review on average helpful
Review of Cahoot Card

Annual Credit Report - No Credit/Debit Card Required

Advantages: Cost, Ease Of Use, Friendly,
Disadvantages: Can't see who has searched your account

...for this option, they do not even want a credit or debit card at this time. You will only be asked for this information if you wish to upgrade to the premium option. ? It will show you information such as payment history for past 6 years, electoral roll check, any fraud alerts shown at your address, CCJ?s and insolvency Ok so you?re now ready to join! Just how easy is it? Possibly the easiest site I have ever used to be honest, click on the standard button and you will be taken to a page which requires your information ? Name ? Inc middle names and surname ? Date of Birth ? Email address ? I would only use one that you can access ? You then need to put in your current post code and how long you have lived there, once you have completed all that you can then hit fit address. Just by magic your address populates unless you live in a flat...

marcellep2 09.03.2009 · Read review
Ciao members have rated this review on average very helpful
Review of Annual Credit Report

* No Good Advice *

Advantages: Catchy , Different
Disadvantages: Not Good Advice!

...Girls Aloud are a British girlband consisting of five members ; Nadine Coyle , Cheryl Cole , Sarah Harding , Nicola Roberts and Kimberly Walsh. Girls Aloud were formed on the reality television show ; Popstars The Rivals in 2002. Since then they have become a huge success. To date they have had eighteen top ten singles , including three number ones. Their style of music consists of pop and electro pop. No Good Advice was the second single from Girls Aloud. It was released five months after their first single (and first number one) ; Sound Of The Underground. No Good Advice was released in the United Kingdom on May 12th 2003 and debuted in the British Single charts at number two. The song comes under the pop and rock genre. The length of the song is three minutes and forty eight seconds. No Good Advice is taken off Girls Aloud's debut...

xdonzx 06.09.2008 · Read review
Ciao members have rated this review on average helpful
Review of No Good Advice (Single) - Girls Aloud

Good Green Card

Advantages: See opinion
Disadvantages: Credit cards can be costly

...shopping, this is the card for you. ~~~~ Bills & Payment ~~~~ One of the ways Egg can keep their interest rates down is by only offering you online transactions. When you apply for the card you set up a variable direct debit with your bank. When your statement is ready you are e-mailed telling you it is now online. You then logon to the site and you can view your statement. To pay you need to input how much you wish to pay, either the amount you want to pay, the full balance, or the minimum payment. The money is then taken from your account to reach Egg on your payment date. This is great for people like me who find it difficult to get to a bank and make payment. (Following a bad experience with NatWest Access some years ago I will not make postal payments). You don't get a statement in the post unless you request one, and there is...

KathrynE 09.03.2001 (12.07.2001) · Read review
Ciao members have rated this review on average helpful
Review of Egg Card

No Credit Score Bank Account with Debit Card

Advantages: Online Account Opening
Disadvantages: Still have to go to a branch to activate

...circumstances. This annoyed us both and we started to shop around for other High Street accounts that we could convert to. After being turned down by many, I stumbled across Halifax's website (www.Halifax.co.uk) promoting their CardCash account that does not require a credit score and gives you the benefit of a cheque book, Solo Debit Card (which can be used in many High Street outlets) and online/tele banking facilities. I applied online for the joint account and was given a decision within two days and invited to open the account by taking some forms of identification to my local branch for security reasons. You also have to make an initial deposit of at least £50.00 to fully open the account but this can be withdrawn at any time. After I had opened the account We received our Solo Debit Cards within 5 days and a cheque book followed...

DavidWilcox 07.09.2002 · Read review
Ciao members have rated this review on average helpful
Review of Halifax Accounts

No Use For A Ninth Album

Advantages: Couple of vibrant tracks, a mainstream route for punk,
Disadvantages: Inconsistent, struggles to compete with earlier releases in places

...and vibrance and I feel they have been replicated minus some of the original bite in 'Feel Good Record Of The Year.' Whilst I am aware that so far, I have been fairly critical of the release, in balance, I feel that the album has no terrible tracks, it also has some interesting lyrics although they do tend to be fleeting. Their are some really good tracks, but in most cases, they are the slower tracks, or the ballad's almost. Very few of the hardcore punk rock tracks hit the nail on the head and whilst they may come across better to people not enamoured with the genre, fans of the band or this kind of music may feel a little disappointed by sections of this album. I looked forward to hearing this album after an exensive break from this band but I have found it to be somewhat of an anticlimax. If I was to recommend tracks from it, the best are...

BZ2886 16.06.2009 (19.06.2009) · Read review
Ciao members have rated this review on average very helpful
Review of Feel Good Record Of The Year - No Use For A Name