Strange behavior at Deutsche Bank

30 posts in this topic

16 hours ago, LukeSkywalker said:

Cash is King! And what about all their black bank accounts.

And avoiding negative interest rates being charged!

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16 hours ago, lunaCH said:

What are the black accounts?

Accounts with African banks. Isn´t that obvious?

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46 minutes ago, Dr Jock said:

Cheques imo are a much superior system than the madly complicated German Ueberweisung where you have to know the bank details of the payee, whereas with a cheque I can just put it in an envelope & post it off to them.

And that´s what you call more convenient? I definitely wouldn´t. Not only would I have to know the postal adress, I´d also have the hassle to write an enveleope, buy a stamp, bring it to the letterbox and have the risk it might get lost or misdelivered. Thanks, but no thanks.

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1 hour ago, jeba said:

Accounts with African banks. Isn´t that obvious?

No, otherwise I wouldn't have asked. ^_^

 

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Another advantage of cheques (for the user) is if the cheque is lost, for example if the shop loses it or it gets thrown away by mistake, the buyer is ordinarily never charged for that transaction. 

I remember my aunt worked in a store where they had a refit and was helping with the removal of the old tills. They found a dozen or so cheques which had slipped down behind the till drawer - many of which were years old. After six months the bank can refuse to honour the cheque and the user can also cancel it, there's also a chance that the account has since been closed. Free shopping! :rolleyes:

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On 23/05/2020, 13:46:02, jeba said:

You may have And that´s what you call more convenient? I definitely wouldn´t. Not only would I have to know the postal adress, I´d also have the hassle to write an enveleope, buy a stamp, bring it to the letterbox and have the risk it might get lost or misdelivered. Thanks, but no thanks.

You may have bank conveniently situated a short stroll from your house, I have to drive a round trip of 20 km, which costs me petrol, parking & standing in a queue wearing a bloody stupid face mask at the moment - add to this, the cost of say, at least one hour's loss of earnings plus the fact that I can only perform this operation during banking hours.

 

Alternatively, with a cheque book I write out the cheque, address and stamp an  envelope, walk to the post-box at any time (we do have one in my village) & return. Total cost. 1 euro, total time, 10 minutes max.

 

There are several other advantages with cheques; you can cancel them if need be & you can post-date them, & more.  

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Who would accept a check, when it can be cancelled later?

just google "cheque scam"

"Overpayment Scams

In this variation of the scam, often conducted through the Internet, the seller is contacted by a potential “buyer” who pretends to be looking to purchase an item listed for sale through a website or print advertisement, or looking to rent an apartment. The buyer is often located outside of the state or country and typically claims interest in “buying” a large ticket item, such as a car, boat, or snowmobile. After making contact, the buyer sends the seller a cashier’s check for an amount greater than the item’s list price and instructs the seller to wire the extra money to an “agent” to pay for taxes, fees, and shipping costs. After the seller sends the money, the check is found to be worthless, leaving the seller liable to the bank for the wired funds. Don’t let this happen to you!"

 

I also heard of this scams in Germany.

I would only accept cash or a bank transfer.

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4 hours ago, Dr Jock said:

You may have bank conveniently situated a short stroll from your house, I have to drive a round trip of 20 km, which costs me petrol, parking & standing in a queue wearing a bloody stupid face mask at the moment - add to this, the cost of say, at least one hour's loss of earnings plus the fact that I can only perform this operation during banking hours.

 

Alternatively, with a cheque book I write out the cheque, address and stamp an  envelope, walk to the post-box at any time (we do have one in my village) & return. Total cost. 1 euro, total time, 10 minutes max.

 

There are several other advantages with cheques; you can cancel them if need be & you can post-date them, & more.  

Internet banking? It's 2020 not 1970.

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6 hours ago, Dr Jock said:

You may have bank conveniently situated a short stroll from your house,

My bank doesn´t have brick and mortar branches. It´s all done online and I don´t even live in Germany while using a German bank.

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8 hours ago, AnswerToLife42 said:

Who would accept a check, when it can be cancelled later? I would only accept cash or a bank transfer.

I would, currently here in Germany, not accept a cheque either unless:

- it was from a person or company I knew, 

- it was free to deposit 

- and I didn't have to send on any money to anywhere else before it cleared. 

 

However I would personally still write cheques as payment to others if it were possible here, even more so if I were to return to the UK.

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