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| Porn Users Forum » New Charge by UK CC Companies. |
| 1-20 of 20 Posts | Page 1 |
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| 01-14-13 11:37pm - 4359 days | Original Post - #1 | |
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Capn (0)
Active User  Posts: 1,740 Registered: Sep 05, '09 Location: Near the Beer! |
New Charge by UK CC Companies. Another small recent negative development for us Brits. Some CC companies in the UK have recently started to levy a charge for payments in currencies other than sterling. I doubt it will happen overnight, but it would be nice if billing companies, without ripping us off, gave the option to buy in £. Cap'n.  Admiral of the PU Hindenburg. 2009 PU AwardHilarious Post of the Year 2010 PU Award ( I would have preferred it to be Helpful Post of the Year for Guys who Hate 'Retail Therapy' ) :0/ Sanity is in the eye of the Beholder! | |
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| 01-15-13 12:29am - 4359 days | #2 | |
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tangub (0)
Active User  Posts: 132 Registered: Feb 03, '10 Location: UK |
I noticed a couple of years back my bank (the well known Spanish bank on the high street) were adding a foreign currency charge to transactions in another currency when I used my debit card so the end result is simply that I won't use it now and stick with the credit card which has not yet imposed this charge. | |
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| 01-15-13 02:42am - 4359 days | #3 | |
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gaypornolover (0)
Active User Posts: 153 Registered: Jul 09, '11 Location: Birmingham, UK |
Yup exactly the same here - same bank debit card. I don't have a credit card and I don't want one. I did look into pre-loaded debit cards but I found them very complicated and they have their own charges - also had to decide which ones were genuine as they all seemed quite unknown companies to me. | |
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| 01-15-13 03:58am - 4359 days | #4 | |
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tangub (0)
Active User Posts: 132 Registered: Feb 03, '10 Location: UK |
I use the Escape Prepaid Mastercard, it cost me £10 to apply for it initially but I can load cash on to it free of charge at any Phones 4U shop and there are no additional charges for using it online. I've used it on a couple of occassions to purchase memberships where I didn't trust the biller with my regular credit card details. If you only load it with enough cash to cover the cost of the subscription then they can't help themselves to unauthorised charges. | |
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| 01-15-13 06:10am - 4359 days | #5 | |
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Ed2009 (0)
Suspended Webmaster  Posts: 509 Registered: Sep 12, '09 Location: Wales, UK |
In the long run you won't win. If everyone moves away from whatever mechanism the banks are charging for then they'll just come up with a way of charging whatever mechanisms everyone moves to. It's a shame there will never be a way to use cash on the web! I've been running my sites for over a decade and even though I've optimised and changed how I do things, I still pay several times as much (as a percentage) in bank fees than when I started out. Nothing ever seems to get cheaper, even though the banks like to claim it is. A couple of years ago they sent me a letter claiming that their decision to stop paying interest in my current account (what I believe Americans call a checking account?) was a way to improve customer service. Last year I actually had to explain to them why I was no longer using a savings account that also stopped paid any interest. What the hell is the point of a savings account with a 0.0% interest rate?! Sorry, I've descended into ranting again Webmaster of StripGameCentral and A Measure of Curiosity. | |
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| 01-15-13 08:54am - 4359 days | #6 | |
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Reveen (0)
Active User Posts: 96 Registered: Apr 06, '09 |
I think I can go 1 better than that  Last year I stopped contributions going into an investment fund I had going with a bank. Cue a couple of terse letters from them telling me of the dire consequences of my actions and that I should promptly start paying them again, which I naturally ignored because I knew I was in the right. Then a few days later I got a call from an "investment fund manager" at their head office asking me why I had stopped payments. I then explained to him that in the last year the taxes levied on my fund were MORE than the interest that the fund had earned, I said to him "Have you heard the phrase throwing good money after bad", which is what paying more money into the fund would be. "Ah I see" he said followed by him blathering on for a while about how switching to this account or that account would be better. I explained that I wasn't interested in doing any new business with his bank, that the fund managers (who take a hefty "management charge" every year) should have actually been managing and advising me proactively rather than just sitting there taking their fees and doing nothing.  | |
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| 01-15-13 09:30am - 4359 days | #7 | |
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Capn (0)
Active User Posts: 1,740 Registered: Sep 05, '09 Location: Near the Beer! |
All this and more, has to go on to pay the obscene bonuses the upper management pay themselves, regardless of how poorly they have performed. Cap'n. Admiral of the PU Hindenburg. 2009 PU AwardHilarious Post of the Year 2010 PU Award ( I would have preferred it to be Helpful Post of the Year for Guys who Hate 'Retail Therapy' ) :0/ Sanity is in the eye of the Beholder! | |
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| 01-15-13 03:52pm - 4359 days | #8 | |
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gaypornolover (0)
Active User Posts: 153 Registered: Jul 09, '11 Location: Birmingham, UK |
Thank you for that. I'd be happy to pay a £10 initial charge as with the Spanish bank charging me £1.50 per transaction at the moment I'd start saving after a few subscriptions. I suppose I always wondered if these cards worked OK for such subscriptions, as they're usually in dollars or euros... do I have to get a version designed for travel and use of any currencies? Do they make any extra charges like the bank does? I always wondered if some porn sites wouldn't take them as they wouldn't be able to rebill you on them as easily as a credit or debit card... It sounds quite simple - can I just buy one at Phones4U and then top it up as and when? To be honest it could be useful generally as I try to use PayPal as much as I can for my regular net shopping and more and more vendors take it - so I could use the prepaid card for my porn and any other purchases where they don't take PayPal and then I'd never have to enter my main debit card details on the web again, which would be great as I've twice had internet fraud on my account. | |
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| 01-16-13 01:21am - 4358 days | #9 | |
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tangub (0)
Active User Posts: 132 Registered: Feb 03, '10 Location: UK |
I've never had my prepaid card rejected when using it to purchase subscriptions, I've used it through CCBill and again only a few weeks ago when I bought my DDF subscription priced in Euros because I didn't trust their biller with my regular card. I've just checked out the Escape website and I see they are no longer accepting new applications for that card but there are plenty of others on the market. Just use one of those comparison sites like moneysupermarket.com to compare the different cards on the market and find the best buy in regards to what fees they charge | |
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| 01-29-13 11:35am - 4345 days | #10 | |
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Capn (0)
Active User Posts: 1,740 Registered: Sep 05, '09 Location: Near the Beer! |
Another related gripe is the recent trend for billing companies to charge Euros for $s. That is a form of regional pricing. Cap'n.  Admiral of the PU Hindenburg. 2009 PU AwardHilarious Post of the Year 2010 PU Award ( I would have preferred it to be Helpful Post of the Year for Guys who Hate 'Retail Therapy' ) :0/ Sanity is in the eye of the Beholder! | |
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| 01-29-13 11:58am - 4345 days | #11 | |
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Ed2009 (0)
Suspended Webmaster Posts: 509 Registered: Sep 12, '09 Location: Wales, UK |
Maybe I should offer to accept cash/cheques by post as an billing option? (And no I'm not recommending anyone send banknotes in the post!) Webmaster of StripGameCentral and A Measure of Curiosity. | |
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| 01-29-13 12:17pm - 4345 days | #12 | |
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messmer (0)
Disabled User  Posts: 2,582 Registered: Sep 12, '07 Location: Canada |
Well, a bit off the subject but not by much. I noticed at the time of my latest subscription through Epoch that they now added taxes (CA $ 3.00) to the basic subscription rate of US $ 14.95 with both dollars being equal at the moment. Not too long ago it was a straight conversion from US $ to CA $ and that's how it showed up on my statement. Some new law, perhaps? | |
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| 01-29-13 02:33pm - 4345 days | #13 | |
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Drooler (0)
Disabled User  Posts: 1,831 Registered: Mar 11, '07 Location: USA |
This really gave me a laugh. They'd have fewer customers, therefore fewer complaints, therefore better customer service, I suppose. However, banks are all charging too much for money they loan to us and paying us far too little for the deposits we entrust to them. Now, I suppose some biz weenie is going to tell me that it's been good for the economy. (After all, hasn't the economy been doing well?) And hey, isn't this as good a place as any to rant? Considering how shameful and ridiculous some things are, a good round of ranting is certainly in order! I wanted something new, so I left England for New England. | |
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| 01-29-13 05:01pm - 4345 days | #14 | |
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RagingBuddhist (0)
Disabled User  Posts: 893 Registered: Jan 23, '07 |
I can't tell you how nice it is to know that it's not just U.S. banks that are finding new ways to grab whatever money they can from their customers. Because of all the charges and fees, I haven't had a savings account in at least 15 years, a checking account in about 2 and no credit cards for about a year. But here's one I don't think the banks have thought of yet. I almost got hit the other day by the cell phone people. Most Verizon stores have an ATM-like bill pay kiosk, some don't. Driving around town one day, I happened to be near a location that turned out to not have one, so I went to pay my bill at the desk. I was informed that there was a one dollar charge for paying in cash. At that point I totally lost any trace of tact. I said, "You've got to be fucking kidding me!", and walked out. On with The Rage! Sarcasm is a body's natural defense against stupidity. | |
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| 01-29-13 06:17pm - 4345 days | #15 | |
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turboshaft (0)
Active User Posts: 1,958 Registered: Apr 01, '08 |
What's "good for the economy" isn't necessarily good for the majority of people, particularly when you're talking about people who have things like mortgages and health insurance bills instead of second homes and nannies. "Hey, the stock market's up, but if that was your job we just shipped overseas I guess you're shit out of luck! Our investors are happy, so we don't really see the problem." Worse, the customers that the major national and regional banks still have are given regular ass-rapings simply for doing business with them. Asinine hidden fees pulled out of thin air, near-zero interest rates, disappearing customer service, and federal government bailouts (meaning we paid for them as taxpayers) without major changes in salaries or severance packages for the higher-ups. The credit card companies aren't much better and seem to live by the same rule of making the majority of their customers swim up a river of shit before they'll bother to treat them like actual human beings. It's such an insane business that for years Capital One has been gleefully depicting the credit card industry as literal vikings attacking anyone who has the balls to suggest opening a new account. Our financial industry is so unbelievable in so many ways that this  above really didn't even feel like much of a rant... "It's incredibly obvious, isn't it? A foreign substance is introduced into our precious bodily fluids without the knowledge of the individual. Certainly without any choice. That's the way your hardcore Commie works." - Gen. Jack D. Rippper, Dr. Stranglove | |
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| 01-29-13 06:25pm - 4345 days | #16 | |
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messmer (0)
Disabled User Posts: 2,582 Registered: Sep 12, '07 Location: Canada |
You're my kind of guy, RB!  I let them have it, too, in no uncertain terms .. to the great embarrassment of my wife who doesn't like scenes. But someone has to speak out! Too many indifferent or cowed consumers out there!  Edited on Jan 29, 2013, 06:28pm | |
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| 01-29-13 06:25pm - 4345 days | #17 | |
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turboshaft (0)
Active User Posts: 1,958 Registered: Apr 01, '08 |
I guess they're the same type of account, though people rarely use checks anymore for everyday transactions and you usually have to pay for any checks, i.e. banks don't want to give them out just for opening a new account--pay up, assholes!  "It's incredibly obvious, isn't it? A foreign substance is introduced into our precious bodily fluids without the knowledge of the individual. Certainly without any choice. That's the way your hardcore Commie works." - Gen. Jack D. Rippper, Dr. Stranglove | |
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| 02-26-13 04:14pm - 4317 days | #18 | |
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Capn (0)
Active User Posts: 1,740 Registered: Sep 05, '09 Location: Near the Beer! |
Sorry, my friend, but reading that in conjunction with RB's post conjured up a vivid image of Victor Meldrew. ' I don't believe it!' Cap'n.  Admiral of the PU Hindenburg. 2009 PU AwardHilarious Post of the Year 2010 PU Award ( I would have preferred it to be Helpful Post of the Year for Guys who Hate 'Retail Therapy' ) :0/ Sanity is in the eye of the Beholder! | |
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| 02-26-13 06:23pm - 4317 days | #19 | |
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Reveen (0)
Active User Posts: 96 Registered: Apr 06, '09 |
I think there's some mixup in terminology here. Current accounts are accounts used for normal day-to-day banking, they can be used with checks (although thats getting pretty rare), they are mostly used with atm cards and online banking. Banks are really fucking around with customers these days, the latest ruse is to try and convince people to switch from having an overdraft to having a short-term loan, which is generally more expensive for customers and less flexible for small businesses. | |
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| 02-26-13 08:32pm - 4317 days | #20 | |
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skunk (0)
Active Webmaster  Posts: 56 Registered: Jun 21, '12 Location: UK/london |
Soon it will all be on a mobile so banks will have to do much better to keep people lol You can pay for a lot more with mobiles now and soon as it takes of more the mobile providers will set up accounts with them. not to fare off now http://www.sexxximps.com | |
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