Well done - a great result !Originally Posted by johncar54
Well done - a great result !
A couple of months befor you depart just ask your bank to send a new debit card valid for 3 years
Then you can load your cards online ,by text or call Caxton during uk office hours and they will call you back and load from your debit card thats what i do and its worked fine for all of my 15 months in the Phils since sep 08
Absit invidia
DISCLAIMER: The information hereinabove may or may not be entirely accurate, relevant, forthright, verifiable, or coherent. KeithAngel, who shall herein be refered to as the 'Shining Beacon of Light', reserves the right to neither confirm, deny, justify, explain, or otherwise acknowledge any inquiry in regards to the validity, genuinity, construction, intent, and/or motive of any statements, gestures, and/or actions whether real, imagined, or transdimensional in origin. Further, the 'Shining Beacon of Light' shall be absolved of any and all legal, moral, and financial responsibilities for damages to life, limb, character, reputation, property, and/or business resulting from the usage, assimilation, incorporation, replication, and/or distribution of said statements whether partial, complete, misquoted, or imagined. This disclaimer remains in effect despite any discrepancies or claims as to its legibility, comprehension, interpretation, subliminal suggestiveness, political affiliation, legality, visibility, and/or physical presence
thanks keith,
the cards seem a good idea,i will get , caxton and fairfax you recomend either is caxton better.
im also looking for something more permenant , this is why i was looking into pnb, as it seems popular recomended on here, plus my lady has pnb account in phill, i was just a bit concerend that the pnb links application pages on 2 of their sites looking different,looked a bit suspect maybe one of them a scam site, is why i had asked if a pnb customer could give me a ligit link for their site
I use caxton myself never a problem It might be worth checking on fairfax though competition can pay off
If you use your card for "shopping" you also avoid the ATM 200 (or some of it) fee I do that all the time per 10,000 piso which is a common transaction max at metro bank you can draw a second 10 k but of course another 200
If your not living in the city when ever I go to a mall i change several 1000 piso notes and use the small change in local stores and for trykes and cabs as its often a number to get change
Absit invidia
DISCLAIMER: The information hereinabove may or may not be entirely accurate, relevant, forthright, verifiable, or coherent. KeithAngel, who shall herein be refered to as the 'Shining Beacon of Light', reserves the right to neither confirm, deny, justify, explain, or otherwise acknowledge any inquiry in regards to the validity, genuinity, construction, intent, and/or motive of any statements, gestures, and/or actions whether real, imagined, or transdimensional in origin. Further, the 'Shining Beacon of Light' shall be absolved of any and all legal, moral, and financial responsibilities for damages to life, limb, character, reputation, property, and/or business resulting from the usage, assimilation, incorporation, replication, and/or distribution of said statements whether partial, complete, misquoted, or imagined. This disclaimer remains in effect despite any discrepancies or claims as to its legibility, comprehension, interpretation, subliminal suggestiveness, political affiliation, legality, visibility, and/or physical presence
we would send some money by (CBN) here in belfast but they also have a branch in london, just type the letters into google and it will tell you where they have braches ,,,,i found them better than western union,,,
2 years on Caxton
Absit invidia
DISCLAIMER: The information hereinabove may or may not be entirely accurate, relevant, forthright, verifiable, or coherent. KeithAngel, who shall herein be refered to as the 'Shining Beacon of Light', reserves the right to neither confirm, deny, justify, explain, or otherwise acknowledge any inquiry in regards to the validity, genuinity, construction, intent, and/or motive of any statements, gestures, and/or actions whether real, imagined, or transdimensional in origin. Further, the 'Shining Beacon of Light' shall be absolved of any and all legal, moral, and financial responsibilities for damages to life, limb, character, reputation, property, and/or business resulting from the usage, assimilation, incorporation, replication, and/or distribution of said statements whether partial, complete, misquoted, or imagined. This disclaimer remains in effect despite any discrepancies or claims as to its legibility, comprehension, interpretation, subliminal suggestiveness, political affiliation, legality, visibility, and/or physical presence
has any one had any usage with these new pre paid cards from lebara.. where u can simply top up wth set amounts and then the other person can with draw from certain atms......... also i believe that if you are using your existing debit card to with draw in the phils, you get a cheaper charge on a university campus cash machine..
john whos CBN? i want to send 750 pounds but western union want 42 quid to send it.
any updates to sending money to the Phills, i want to send £750 but western union want £42 to do it.
QUOTE: john who's CBN? i want to send 750 pounds but western union want 42 quid to send it.
Briancol
Maybe it was a joke, Central Bank of Nigeria !!!!!
On a more serious note.
I would still use a transfer (fee £25) by Nationwide Building Soc, as have an account there. Their exchange rate is also just about interbank rate.
Sending money to the Philippines. We use pnb. The recipients all have pnb money cards. We can send money online 24 7.
T hemoney card is only good for cash withdraw.
We've tried them all. We found pnb the cheapest and the best.
On a more serious note.
I would still use a transfer (fee £25) by Nationwide Building Soc, as have an account there. Their exchange rate is also just about interbank rate.[/QUOTE]
i already have a nationwide account,not sure if the recipient in the phills has an account though. western union is handy for people wthout bank accounts but they are so expensive to use.
PNB. ive looked thm up online before,something put me off thm,cant remember what though. im going back in June so i will leave a nationwide debit card wth the g/f when i leave.
i already have a nationwide account,not sure if the recipient in the phills has an account though. western union is handy for people wthout bank accounts but they are so expensive to use.
PNB. ive looked thm up online before,something put me off thm,cant remember what though. im going back in June so i will leave a nationwide debit card wth the g/f when i leave.[/QUOTE]
Be careful leaving your British bank cards behind in the philippines for wives and girlfriend to use.
T hecards are in your name so, its against banking practises for a third party to use. In fact if caught, both of you could get in serious trouble. A criminal record maybe. Not good to have when applying for the visa.
PNB in my experience of sending money to the Philippines for the last 5 years or so is the most cheapest and the most reliable. Great customer service too.
Im a cheap Charlie like most BritishI know it makes sense.
QUOTE: Be careful leaving your British bank cards behind in the philippines for wives and girlfriend to use.
The cards are in your name so, its against banking practices for a third party to use. In fact if caught, both of you could get in serious trouble. A criminal record maybe. Not good to have when applying for the visa.
[/QUOTE]
I gave a card to originally a Thai GF, then after that relationship, having married my Pinay bride, I gave a card to my wife's cousin, firstly a Cash card but when that ceased to be useable a Debit Card. I have told Nationwide several times on the phone and in emails that a card is there and although they of course have warned about possible abuse of the cards they have never said I cannot do it. I of course accept full responsibility for all transactions.
As a former police officer in UK I cannot think of any law that would breach.
For that matter, my son in UK has for the past 24 years been signing cheques drawn on my UK account. Again, whilst the bank would not like it, it is not an offence against UK law.
hmmm. interesting .but i think i'll take a chance and leave the card,afterall she will be my wife by the time i leave.whats mine is hers.but i'll just put a certain amount in the account every month.im not stupid, lol.
I gave a card to originally a Thai GF, then after that relationship, having married my Pinay bride, I gave a card to my wife's cousin, firstly a Cash card but when that ceased to be useable a Debit Card. I have told Nationwide several times on the phone and in emails that a card is there and although they of course have warned about possible abuse of the cards they have never said I cannot do it. I of course accept full responsibility for all transactions.
As a former police officer in UK I cannot think of any law that would breach.
For that matter, my son in UK has for the past 24 years been signing cheques drawn on my UK account. Again, whilst the bank would not like it, it is not an offence against UK law.[/QUOTE]
Thanks John. I did do it and I was wrong.
I tried to get cards in Jane's name. It wasn't possible.
She had to be living here etc. The pnb does take 2 or 3 weeks to set up and they want so much info, im sure that puts many off.
T hecost of sending per transaction is around 7 pounds. It rises when above 3 grand. The recipients are not charged for using the pnb money cards either. Info theory you can make infinite withdrawal without being charged.
When we go to philippines we use the same cash withdrawal method. I load the card online costing me 7 pounds, thats it. no more bank charges.
I was wrong John but, at the time I was ignorant of my actions. It not be an illegal activity but, in the eyes of the issuing bank, its fraud.
Just remember that in certain circumstances a Debit card can be used to as a credit card and Nationwide have what they call 'a shadow overdraft facility' on some debit cards, which means you can draw more than you have in the account.
I discovered it by chance when I accidentally overdrew my debit card account balance.
When I asked how that was possible, the first person in Nationwide did not believe it was possible. It was only later when I pressed for an explanation I discovered the shadow overdraft facility.
When I said it was not an offence in UK, I did mean it was totally lawful, not fraudulent in any way whatsoever.
Interesting....so your bank is cool with you entrusting there credit cards they have issued in your name only to unauthorised waifs and strays the other side of the world.
Ill stick with pnb. Happy Easter
Cheers
Mark
Companies issue company credit/debit cards to their employees. The employees usually would have no connection with the bank, just like my wife's cousin in Phil.
Unless someone insists I would rather not spend a lot of time explaining the UK legal position. Please just take my word (former DCI ) that it is not illegal.
My husband did the same , he left his nationwide debit card with me in the PH ...no problems until the Nationwide starts charging for purchases and cash machines withdrawal http://www.nationwide.co.uk/current_...ansactions.htm
thats why we switched to BPI and PNB
''Don't be serious..Be Sincere''
My company credit card has my name on it and its agreed with the card issuing company that i can use.
But if i used a card which was say issued to you even with your permisson it may not be illegal but it would be against the terms and conditions of the majority of cards I have seen it appears if the card issuing company which to uphold for some reason.
If you were to get an additional card for a person and its registered in their name there should be no problems although they may only issue to UK residents.
Again whether criminal law is broken is one thing but breaking terms and conditions of an agreement you sign with the card issuing company may leave u in a spot of bother in certain situations.
Also the companies may ask if payments keep being made abroad to check with you for security reasons.
Again many people get away with things but doesn't mean if the card issuing company want to they cant say you have broken the agreement if it suits them or comes to their attention..
Again would you write to your Bank and declare your son has been using your cheque book for the last 24 years? If he has been using your signature then i would think that was fraud surely?
Oh lord why did you make so many clothes and shoe shops
Well put, Somebody. Much better than me. I tried to give you a rep. Apparently ive dished out too many. Ill try again tomorrow.
My mate's mahal uses CBN and has done for ages. He says it costs a fiver to send anything up to £200.
I always use coinstar the charge is £4.75 for up to £3000. i have used them for 3 years now with no problems the exchangerate is about 1 peso below the interbank rates
As life is to live so love is to give
i still dont know who CBN are.
and i wont be leaving a debit card wth my g/f but another nationwide savings card, just to use for with darwalls,not a debit card.
Keeper lit. How did u go about sending ur papers to moya jackson in advance m8 ? And does that me you didnt have to wait till the following day to collect them.? I dont want to spend 4 days alone in cebu if i can possibly help it. Anyone know a cheap but clean hotel between the airport and the britt consulate please ?
brian ,,,CBN is in high street the building is just up a bit from cash converters,,,,go to the same side jessops camera shop is on then look to the other side of the road look up about the fourth floor you will see CBN,,,they are brilliant thats where all the filipinos send money back home
live and let live
[QUOTE=[I]somebody;287975.......................... Again whether criminal law is broken is one thing but breaking terms and conditions of an agreement you sign with the card issuing company may leave u in a spot of bother in certain situations.
Again many people get away with things but doesn't mean if the card issuing company want to they cant say you have broken the agreement if it suits them or comes to their attention..
Again would you write to your Bank and declare your son has been using your cheque book for the last 24 years? If he has been using your signature then i would think that was fraud surely?[/I][QUOTE]
I have not told my bank about my son signing my cheques as yes I am fairly sure they would object, however, as I said I have told them both on the phone and in emails about one of my cards being used in Phil by a relative. I even used this as part of my complaint when they stopped Cash Cards being used abroad to draw cash from ATMs. No problem arose.
RE the law.
I really did not what to explain the law. However, very simply :
Section 1 of the Fraud Act 2001:- In each case, the Defendant's conduct must be dishonest and his intention must be to make a gain, or cause a loss or the risk of a loss to another.
My son signing my cheques may be considered dishonest as the bank are being deceived into thinking it is my signature, however, vitally the intention must be to make a gain.
Without both parts, there is no offence.
Under the Counterfeiting and Forgery Act 1981
The offence of forgery. A person is guilty of forgery if he makes a false instrument, with the intention that he or another shall use it to induce somebody to accept it as genuine, and by reason of so accepting it to do or not to do some act to his own or any other person’s prejudice.
Again, whilst the cheque would probably be a false instrument it must also be done with intent to gain or cause another to loose. In our case, the second part is not present.
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