On Sun, 07 Aug 2005 10:30:31 GMT, John Anderton
wrote:

On Sun, 07 Aug 2005 09:07:16 +0100, Andy Hall
wrote:

On Sun, 7 Aug 2005 08:23:39 +0100, "Mick"
wrote:

If a cheque I paid someone for goods was banked, on a Saturday morning in
one of the main name banks in the UK, when should it have cleared by
enabling the goods to be sent?



Which bank do you use ? I've never had an electronic payment (from one
clearing bank to another) result in anything but a credit to the
recipient on the same day as the money disappears from my account.

I have accounts with four banks (NatWest, Barclays, HSBC, Lloyds) and
movement between any of them has this effect.


In general, it is much better to pay by credit card, even if you don't
want to run a credit card balance (which is unwise anyway). If you
are spending over £100 on a UK transaction, it gives you protection
with the supplier, in that the card company is on the hook if there
are issues with supply or product.

Agreed

I've also used it as a price
negotiating point. Ask the supplier if they accept credit card. If
they do, ask for a 3% discount for non-CC payment, or 6% if they take
Amex. It's surprising how many will go for this.

Cheers,

John

--

..andy

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