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| Quote ="Kosh"It manifestly isn't fair and I'm struggling to see how it can be justified. Something for FC Voices to challenge?'"
£10 was on the DD last season as well and did FC Voices "challenge" it then.
I will be using the DD this season as well as i cant afford the pass outright due to being on sick for 7 weeks...if it means i have to pay a extra £10 for my seat for this method then fair enough...pass is still bloody good value.
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| Quote ="Standee"[u£10 per transaction, fine, £10 per pass is garbage.[/u
And they are selling you something you wont use for another 5 months.'"
Totally agree...
Daylight Robbery....loyalty my backside
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| Quote ="fc baldy"£10 was on the DD last season as well and did FC Voices "challenge" it then.'"
No it wasn't mentioned last year but I can assure you it will be mentioned this year!!
Quote ="fc baldy"I will be using the DD this season as well as i cant afford the pass outright due to being on sick for 7 weeks...if it means i have to pay a extra £10 for my seat for this method then fair enough...pass is still bloody good value.'" My only grumble is the £10 per pass, not £10 per transaction. After all, it is only one direct debit so why are you paying x amount of admin charges when it's only ever 1 payment?
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| Quote ="Karen xx"No it wasn't mentioned last year but I can assure you it will be mentioned this year!!
My only grumble is the £10 per pass, not £10 per transaction. After all, it is only one direct debit so why are you paying x amount of admin charges when it's only ever 1 payment?'"
I a gree about the £10 per pass but to be fair to the board...if they know they usually rectify something like that.
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| I suppose nobody is complaining about the £2 per pass charge on credit/debit card payments.. Why i wonder??
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| Quote ="FC Wembley 08"I suppose nobody is complaining about the £2 per pass charge on credit/debit card payments.. Why i wonder??
'"
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| Personally i think the club has tried to be to open on this and that has been their downfall, like everything else they do in some people's eyes.
They should have simply said:
5% Finance charge on all DD transactions.
2.5% Charge on Credit/Debit Card Payments.
That would make them more money but people wouldn't notice and find something else to moan about...
Better still, don't offer a DD scheme. They don't have to, but it's something to help the fans have an option... THIS COSTS MONEY!!!
Everything the club have done since 'listening to the fans' has been criticised.
e.g. Drinking in the stands will probably be scrapped because of a small minority of idiots (2) and people moaning constantly after the club finally allowed it after years of fans 'wanting' it to be allowed.
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| Quote ="FC Wembley 08"I suppose nobody is complaining about the £2 per pass charge on credit/debit card payments.. Why i wonder??
'"
Why i wonder did you post that
Read the FULL thread and you will see complaints were also raised about this, I include myself as one of the complainants..
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| Quote ="Karen xx"It's not £10 per DD, it's £10 per pass so for families it's a complete mickey take...and yes, I wrote mickey lol
'"
Yup, I know its ten per pass, but Standees post (to me at least) seemed to imply it was ten quid on each of the three payments per pass.
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| Quote ="Kosh"Just as a matter of interest, what do you want to be when you grow up?'"
The irony.
Surprised your even in this thread, will the club be gracing your presence this year or are we relying on radio and finals still?
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| Surely with an underwriter being used then the only way to cover this cost is per pass as its effectively an insurance for the club per pass. The club send the passes out before the last payment of £80 it could be very hard for the club if many of the payments where not met, so they get somebody to underwrite each pass. I have had to use this method as its cheaper than putting the pass on my credit card until feb. For me its a none issue when there's plenty of issues about.
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| Quote ="berrigans bitch"Why i wonder did you post that
Read the FULL thread and you will see complaints were also raised about this, I include myself as one of the complainants..'"
My apologies, but i haven't read right through the pages and pages of moaning about something that is a fact of life.. Finance and card payments carry charges it's as simple as that.. I don't like it, but my pass offers excellent value for money IMO.
People have been too used to getting free cash from banks over the years that they now see it as their right. Unfortunately because of this attitude banks are no longer lending money out so, the club could probably offer this a little cheaper through an actual credit company but the issue that this is subject to a credit score and some people may be declined. The current system is open and accepted for everyone, maybe there is a cost implication involved in this method.
Also, at £10 the club ensure that everyone is paying the same price. If it was per transaction and someone buys 20 passes for them and the family/friends, they effectively just pay 50p finance fee. So someone buying 1 pass pays £9.50 more.... How is that fair??
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| Quote ="FC Wembley 08"People have been too used to getting free cash from banks over the years'"
Really, has anyone EVER got "free money" from a bank, I very much doubt it.
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| My car insurance renewal came thorugh the other day. The total quote was for £434 if I pay upfront, and £509 if I pay by DD. So I'd be effectively paying £75 for the addittional admin and interest should I choose the DD option.
I don't think the £10 charge is that bad really, to say your effectively borowing from the club until the final payment is made.
If you want to borrow for anything, it'll cost you extra, whether that's a mortgage, bank loan, overdraft or a loan from 'Quickquid'.
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| Quote ="FC Wembley 08"I'm not missing the point Karen, i just don't actually think it's the problem that everyone is making it out to be.. they could quite easily charge you interest on the passes for spreading the cost...
How about 5% or 10% per transaction??
It's a fact of life, you pay for the priviledge of credit.. giving away free money is the reason this country is finacially on it's ar5e..
And for the record, i've paid for my pass monthly aswell as i don't have the funds for £230 in one go!!'"
Think the point here is that it's not credit for borrowing and spending elsewhere, it's credit for a purchase and spending with the club. (giving credit by a bank interest free would be pointless as they nothing out of it. A Retailer still makes a profit on the purchase) Retailers like car dealerships know that sometimes it's the only way to get a sale for a luxury purchase. Ultimately those buying FC's season passes on credit would probably only come to 5-10 games and pick and choose so the club know they are making something for nothing anyway and it drives gates up. They should not be adding charges imo.
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| Quote ="FC Wembley 08"My apologies, but i haven't read right through the pages and pages of moaning about something that is a fact of life.. Finance and card payments carry charges it's as simple as that.. I don't like it, but my pass offers excellent value for money IMO.
People have been too used to getting free cash from banks over the years that they now see it as their right. Unfortunately because of this attitude banks are no longer lending money out so, the club could probably offer this a little cheaper through an actual credit company but the issue that this is subject to a credit score and some people may be declined. The current system is open and accepted for everyone, maybe there is a cost implication involved in this method.
Also, at £10 the club ensure that everyone is paying the same price. If it was per transaction and someone buys 20 passes for them and the family/friends, they effectively just pay 50p finance fee. So someone buying 1 pass pays £9.50 more.... How is that fair??'"
People are posting their opinions on a public forum not moaning...My original gripe was that if I buy 3 passes with my debit card I will be charged £6....£2 per pass, yet it is only one transaction on my card..I do not get charged at shops etc for using a debit card which is considered a safer system instead of carrying cash.
This whole debate or moan as you call it is not about the value of the price of the pass it is about excessive charges incurred unless you buy the passes with cash.
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| Quote ="berrigans bitch"People are posting their opinions on a public forum not moaning...My original gripe was that if I buy 3 passes with my debit card I will be charged £6....£2 per pass, yet it is only one transaction on my card..I do not get charged at shops etc for using a debit card which is considered a safer system instead of carrying cash.
This whole debate or moan as you call it is not about the value of the price of the pass it is about excessive charges incurred unless you buy the passes with cash.'"
Indeed, and said cash has to be counted and then banked, which is more labout intensive than processing a card payment.
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| Quote ="berrigans bitch"
This whole debate or moan as you call it is not about the value of the price of the pass it is about excessive charges incurred unless you buy the passes with cash.'"
All of which to me appear to be the club taking the mickey out of the loyal fans again!!
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| Quote ="Big Dave T"All of which to me appear to be the club taking the mickey out of the loyal fans again!!'"
Aye...starting to look that way to me tbh
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| Quote ="berrigans bitch"People are posting their opinions on a public forum not moaning...My original gripe was that if I buy 3 passes with my debit card I will be charged £6....£2 per pass, yet it is only one transaction on my card..I do not get charged at shops etc for using a debit card which is considered a safer system instead of carrying cash.
This whole debate or moan as you call it is not about the value of the price of the pass it is about excessive charges incurred unless you buy the passes with cash.'"
But as 99.9% of other companies charge for card transactions by the percentage (mostly around 2%) this would carry a charge of £3.98 per pass (south stand) and £4.60 per pass (east stand) but maybe you'd prefer this.
Standee... Yes interest free has always (until recently) been just that.. Interest free, no charges at all other than charges to the retailer. These charges have gradually risen to such an astronomical level that the retailer cannot offer IFC anymore and so the banks now offer a reduced rate at the expense of forcing a 'finance fee'.. It's just they way it is.
Strange how you think that charging £10 for spreading the cost of your pass is unfair yet, when i suggest that a hotel in cardiff trebled/almost quadrupled their prices just for one weekend is perfectly fine... How odd??
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| Quote ="Standee"Indeed, and said cash has to be counted and then banked, which is more labout intensive than processing a card payment.'"
Some banks actually charge now for banking high amounts of cash now anyway!!
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| Quote ="FC Wembley 08"Some banks actually charge now for banking high amounts of cash now anyway!!'"
And some banks wont even take your cash. HALIFAX must be the worst bank in the world
Do not go near HALIFAX
(ah that feels better)
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| Quote ="FC Wembley 08"Some banks actually charge now for banking high amounts of cash now anyway!!'"
Several banks who landlords of pubs and retailers use to bank their takings and manage their company deposit accounts, charge them for providing change for floats etc. Just out of interest have any of the folks who are grumbling about this £10, approached the club about it through the communications channels the club provide? If so what was the answer?
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| Quote ="FC Wembley 08"But as 99.9% of other companies charge for card transactions by the percentage (mostly around 2%) this would carry a charge of £3.98 per pass (south stand) and £4.60 per pass (east stand) but maybe you'd prefer this.
Standee... Yes interest free has always (until recently) been just that.. Interest free, no charges at all other than charges to the retailer. These charges have gradually risen to such an astronomical level that the retailer cannot offer IFC anymore and so the banks now offer a reduced rate at the expense of forcing a 'finance fee'.. It's just they way it is.
Strange how you think that charging £10 for spreading the cost of your pass is unfair yet, when i suggest that a hotel in cardiff trebled/almost quadrupled their prices just for one weekend is perfectly fine... How odd??
'"
99.9% of companies do not charge for a [uDEBIT[/u card!! ...
You are James Rule and I claim my £5!
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| Quote ="The Dentist Wilf"Several banks who landlords of pubs and retailers use to bank their takings and manage their company deposit accounts, charge them for providing change for floats etc. Just out of interest have any of the folks who are grumbling about this £10, approached the club about it through the communications channels the club provide? If so what was the answer?'"
you tell us! you are a channel are you not?
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