On Mar 13, 1:10=A0pm, Mike_B wrote:
> In message <63smcvF27tls...@mid.individual.net>, Blah
> writes
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>
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> >MM wrote:
>
> >> Therefore, as I have always maintained, BT is ripping off us
> >> non-direct debit customers in a very big way. I hope Ofcom will grab
> >> them tightly by the short 'n' curlies and squeeze hard.
>
> >You miss the point.
> >The charge is not just to cover the cost of handling the transaction
> >thru the bank =A0- it is to cover the late receipt of the money due and
> >the cost of chasing it.
> >With DD money due on the 1st month is collected on the first, with bill
> >payment by cheque - there is almost almost a reminder, reminder, NOD
> >process (which itelf is going to cost well over =A32 in paper, postage,
> >labour, overheads). Then add on the interest lost on having the money
> >in the bank.
>
> >Would you be happier if they charged everyone the same and gave a
> >DISCOUNT for DD?
>
> You seem to suggest that they are only charging people who are late
> paying heir bills. They aren't.
True, but this is a consideration to take in to account.
I expect that the instances of late/non payment are higher with non-DD
customers that with DD customers. In addition, I would imagine that
the processing/monitoring of the payment is more expensive for non-DD
customers as well
It doesn't seem (to me at least) that it is unreasonable for these
costs to be passed on to the appropriate customers. Having said that,
I would not agree with this as a means of making profit - the aim
should be to cover costs. |