Yes. They have. What about it? Like every other company they advertise...


I pay all my bills without direct debit. We get paid at different times of the month so DD is no use for us. So yes, you can.


Don't work. Look, to be paid you need an account. However, you are not forced. You can get them paid into someone elses account or like i said, don't work.


They don't


Oh grow up. Can't you see what you look like here? A laughing stock. How you get through life like this i don't know. Think i would just shoot myself if i was like that!!

A product that don't exists? If it was going to be launched in a few weeks then that is not a problem, but to advertise a product, months before it is launched is not great advertising.


My dad don't use direct debit either, but it costs him more.



Yes, I will sit on my backside and do nothing, then I would get called a scrounger then. Great idea you come out with.



They do, most deals you get on energy is due to direct debits, if you was paying Talk Talk direct, you pay extra, not that I use Talk Talk. Bt also more or less does the same.

My broadband company only accepts direct debit or pay from debit/credit card.


Just because you trust everyone and everything, that is up to you. Not trusting makes me more careful.

Telling people to shoot themselves is really not a good idea, if my mind was in a state that I was on the verge of that your comment may have got me to do that.

but as my mind is not like that, then I don't think i will shoot myself.

How do it get through life by being careful? Easily and saves being taken for a mug.
Been there, done that never again.

Haha! You're kidding right? Everyone does it!!

Better tell Microsoft and Sony to stop advertising the incoming new consoles. Oh and every game, CD, DVD, film coming to the cinema, new products, cars etc etc etc......

I despair i really do!!


It can cost a few pounds more. Tell them you will leave and they drop it.


Well stop whining like a child then...

You missed where i said get it paid into someone elses account?


You dont want an account, you dont get the deals. Simple. You still are not forced.


Right, you said DD which i said they do not just take.


It makes you look absolutely foolish!!


I never told anyone to shoot themselves. I said if acted like you i would have to. I couldn't get through life like you. Sad state of affairs.


Rubbish.

There is being careful which i am in many respects and there is being absolutely paranoid like you. Massive difference.

I don't get taken for a mug. If anything i take most companies for that!!

Is everyone in your family like this as well?

A lot of things are promoted months in advance, Christmas, Easter et al, so I can't see your moan on this issue being valid.

Your dad may have personal reasons for refusing direct debits but it may well help him budget better if he did use them. It is worth you talking to him about simplifying his budgeting plan.


I totally agree with being careful in life, I took tips from my parents and was always careful with money, had my first mortgage in my teens, second third and forth before I was thirty (retaining the properties for rental), looked after my pensions and topped up where possible and this has meant a comfortable early retirement for me but...there is a massive difference between being careful and being obstinate to the point of loosing out because of what may be irrational/ill informed/founded beliefs or plain stubbornness.

you are right in some ways and I can understand something like a games console or a car being hyped up for a while before it comes out, but not a bloody app for a sodding phone for goodness sake.

I wonder how many people realise what it is anyway.

Have the Ps4 and new Xbox been advertised on Tv yet?


i don't think that is a option.


Not wining, just pointing things out. you really think I am going to put my money in someone else account?


But we are and you know full well that it is difficult to go around life these days without a bank account of some sort. even people who are on the dole needs a bank account Giros are no more and have not been for a few years.




which you still need a bank account for debit card, and i may be wrong about this, but would someone get a credit if no back account?


Don't talk wet,

That is up to you at the end of the day, you live you life the way you want to.

Not paranoid at all, and don't bring my family into this,

It is a app for goodness sake, you don't promote a app that far in advance, certainly when no one still have no idea what it is anyway.


Christmas and Easter is not the same thing


Y
i think my Dad can budget himself, he have had enough practice over the years budgeting for a family.
I don't know why he don't use DD to be honest, i suppose maybe he belongs to the generation where they paid when the bill was due.


who is losing out? I am certainly not and if you think I am then tell me what I am losing out on.

I dont even know what to say to be honest....


Yes, for weeks.

Can i ask, why do you not have a telly?


Yes, it is. I do it. SImply as i and the missus get paid 4 weekly so prefer to ring up and pay or do it online


You are whining. And into someones account you trust? Yes. Oh wait. You trust no one!!


Get a post office account then.


Of course you do!!


Problem is, i'm not. If i were you, i would take a long hard look at what you say on here. Everyone says the same thing to you. Do you not understand?


I do and i get on very well indeed.


Yes you are. And i was just trying to understand where this weird paranoia comes from.

What, people gets excited about a games console, I don't, but other people do. Well that is a little bit of a lie, I am interested in what they are like. But how can people get excited about a app?

There is still now word how this will work, all visa is saying is that there will be app for your phone that can be used for making payments and that is it.



Because it is full of crap and I do not want to pay £145 a year for it. I also got annoyed when the BBc sold out F1 to sky, so in one way it is my way of protesting, but while that was not the main reason I stopped watching Tv, it was the last straw.

Will be two years in January, how time flies.


But how do you do it online? you need a credit card or bank account.
I suppose you could use one of those pre-paid cards.



You got it apart from a few close friends and family. Anyway that is too much hassle.


I thought of that, but it is no difference really, anyway I have been with my bank for too long now.
As long as they don't change my card to a NFC card I will be ok with them and as I said before, it don't look like they are doing that.



since everyone i know that have a credit card also got a bank account, I would not know if you need a bank account or not.

things change so quick.




Because i believe what I believe and if other people want to follow like sheep then that is up to them.

good for you.



No I am not. i know someone who is, maybe I known him too long and some of it have rub off on me.
some of the things he says I think are stupid like this Philippine typhoon being man made, Haarp and all that sort of thing, according to him we are being positioned with chem trails.
while some of the stuff he says, i think maybe there is something in it, the above is certainly rubbish.

the problem is, some people do jump into things like sheep and don't give a crap what happens.

Yes it's an app, but not your average app, the retail sector has had new hardware/software installed in conjunction with the app. It's not only mobile payments that Visa are launching, it's contactless debit/credit cards too.

The reason it's being promoted so early is so Visa customers will have an idea what it is when launched.

^^^

Re them advertising the app, it's part of an overall advertising campaign by Visa. It's not purely for the mobile NFC app. Haven't you seen the advert with the man getting younger and younger? It's really well made. It's essentially about him using his Visa card and saving time. As far as I remember, it shows him using Chip & PIN, contactless, and mobile.

And thats what it will do.


Hmm its not full of crap really. I don't watch BBC 1,2 ITV 4 or 5 but i do watch lots of Discovery, Nat Geo etc.

I don't pay the £145 either


Yep you could get a pre paid card.


Change of bank details. Simple enough.


They will soon. Give it a year or so and the next time you need a new card it will be NFC enabled. Again like i have said though, just dont use it.


To get on in life you need an account. Simple as that.


I dont follow like a sheep. I'm just not deluded into thinking everyone wants a piece of me and wants to steal all my money etc. Thinking like this isnt good for you. Can really stump you in life.


Yup.


I think he is someone i would be removing myself from. Sounds like a complete whackjob. No wonder you have some odd views!!


I dont do that either. But i don't hide and think the world is after me!!

O2 advertised their TuGo app something like a year before it finally came out.

OK. having fun with cheapy NFC tage for tasks etc. But if i wanted a tag with more 'memory' for storing, say, a contact card, which ones should i go for ? some tags seem to state they can hold 1k of data but need specific hardware to allow writing of this ....

I have available:

Nexus 5
GNex
Nexus 4
Nexus 7
TF101
Galaxy S3

if that helps ?

[quote=Stiggles;69756615]And thats what it will do.

But will it be linked to a account or will it be like a pre-pay type card?


Depends on what you class as crap at the end of the day. anyway, I don't watch it as i was trying to tell my workplace when they wanted me to watch their new advert on Tv. they could not get it in their heads that I don't watch Tv.


which is extra cost.


you would think so would you.

If it takes longer than a year then i will be fine as my card runs out in under a year. but as i have said before, I know someone who is with the same bank as me, they just had a new card on the same account as me and it is a normal card.
so either Halifaix is not pushing it or they are not bothering around here.



But they do want a piece of you the government more or less want to know what you doing, where you been and why. at the moment the technology to do so is not reallly good enough and expensive.
supermarkets want to know what you are buying and when.

Google and other advertising companies wants to know what you are doing on the web, and what you are looking at. they also want to know where you are.

Now even banks are offering cash back trying to get me people to use debit cards more. No doubt so they will know where we shop at.


Yup.



The problem is he reads these things and then he just believe them, i suppose we all do, but in the other way.

as i said, some of what he says makes sense, but others don't

i don't think the world is after me, but i do think that the word is corrupted and it is the people at the top that are corrupted the most.


I upset someone in Aldis yesterday, he was trying to get one of those contactless cards working and it would not work, he tried 4-5 times, in the end I said for goodness sake just stick it in the slot, some of us want to go home. in the end it did work, but I thought these things was quicker?

i handed over my cash, got the change back in seconds. they are pretty efficient there, to much sometimes.


i would not normally say anything, I would just normally just wait, but yesterday i was tired, it was a hard day at work and I just wanted to go home.

Fair enough, maybe not watching TV for nearly 2 years i have forgotten the naff adverts for products that don't exist

Turns out my local Tesco actually has active NFC payment terminals - just paid for my shopping with my phone today.

Which town/city are you in?

Both my local Sainsburys and Tesco have contactless terminals but neither have them activated for contactless

Edinburgh - most of the Tesco stores still have crappy old terminals but the Metro on Colinton Road actually has working NFC terminals at the tills. I didn't check the self-checkout though, this was a manned one I used.

Incidentally, the newest Tesco in Edinburgh doesn't even have the contactless terminals at all, let alone working ones.

I think my local Sainsburys had to replace their ones. The machines were so old that it wasn't unusual for the chip reader to fail to read your card. It would just say "Reinsert", "Chip read error, Reinsert" and after the third reinsert it would just say "Swipe card", so you just swiped and signed.

My S2 has NFC but never been able to use it.

So where is this contactless app that was coming out for phones in December? Still nothing yet.

Halifax, the one I bank with is now sending out contactless debit cards on renewal of debit cards or you can ask for one if you want. I went in today to ask if we will be forced to have one, answer was no, so that is a good thing. so come october I can still refuse to have one.

Still paranoid then i see?! Haha! Nothing changes

The app is in testing stage now with selected people. Bit annoyed to be honest as i was looking forward to it. As for contactless itself, payments used with it are rising at my work.

I still use NFC daily and also used it to pair my soundbar and pair my Sony Smartwatch. Nice and easy

With HSBC, First Direct, Nationwide, Santander and Metro Bank behind it there must be some confidence in mobile payments.

Just another way to make money.

At 20p per zapp transaction it will hardly compete with NFC on your debit card.

Barclaycard have been sending out NFC credit card tags that you stick onto the back of your phone for years.

Requires no hardware or software support, or even a separate account. Now if only they could make that "just work" with the phone's built-in NFC.