Non-motoring > Need to transfer some money for tomorrow - problem Miscellaneous
Thread Author: RattleandSmoke Replies: 30

 Need to transfer some money for tomorrow - problem - RattleandSmoke
I sent a customers laptop to this motherboard repair company in Nottingham as a friend of mine who is a fellow tech recommended them.

They have done the repair and its now ready to be delivered, the problem is I need it back before this weekend or else and the company will only send out the laptop when funds have cleared.

The snag is that they don't take debit/credit cards. I have their account details so I can do a direct transfer, but my bank says it will take upto four working days.

I need the money in their account tomorrow.

My suggestion is that I could go to my local branch of HSBC (their bank) and pay £60 cash into their account, but will they know it was me that paid in it? It seems a bit risky.

Any other ideas?

If the worst comes to the worst I will have to go to Nottingham with the cash and collect it, but it seems a bit mad to that in this day and age.
 Need to transfer some money for tomorrow - problem - rtj70
Paying money in via online banking or branch tomorrow should be in their account tomorrow. If they are HSBC then go to the Chorlton branch and pay the money in CASH. The money is then in their account immediately.

... or else... so the customer needs it ASAP. Charge them more if appropriate.

Edit.... the laptop still needs delivering to you PDQ to get it for the weekend if it is standard delivery. And the post man will probably drop it. :-)
Last edited by: rtj70 on Mon 18 Jul 11 at 23:43
 Need to transfer some money for tomorrow - problem - RattleandSmoke
Yep that is what I thought, but why does my banks website say "please allow upto 4 working days?" just before I hit the send button?

I was thinking if I did go to the branch, it would say on their statement "paid cash in at Chorlton Cum Hardy branch" so that should be enough proof.

I will speak to the woman who runs the accounts tomorrow to see if that is ok. I can't believe a company who does mail order trade repairs doesn't have a debit card facility though.
 Need to transfer some money for tomorrow - problem - rtj70
If you pay money you can have a reference added e.g. Rattle of Chorlton and the Wheelies added. Well there may be a character limit.

They probably could take debit cards if you cover the cost though. They are avoided the charges on debit/credit cards which is fair enough to be honest.

The new faster pay bank system has money in accounts immediately in banking hours. But this is for banks signed up to it and assumes it is working. Sometime last year I remember I used it and it took 4 days.... days earlier in was immediate.

I also paid for transfer of deposit and final sum for the house last year... actually I used the facility twice and knew I had no option but to pay as the sums involved were large... never got charged.
 Need to transfer some money for tomorrow - problem - Dave_
>> I can't believe a company who does mail order trade repairs doesn't have a debit card facility

If they only deal with the trade, they will expect invoice payment by bank transfer, and more than one job from each customer.

Debit cards are for personal customers making one-off transactions.
 Need to transfer some money for tomorrow - problem - CGNorwich
A normal electronic transfer of funds using Faster Payments Service should take no more than two hours. Transferred some money yesterday and it was there within 10 minutes.
 Need to transfer some money for tomorrow - problem - Dave_
The 4 working days thing is only for some minor building societies and banks which haven't signed up to the Faster Payments system yet.

Sending money from your online banking to HSBC will go through pretty much instantly, I have both received and sent funds this way and never seen a wait of more than a few minutes.

Whether they'll be efficient enough to despatch the laptop straightaway is another matter entirely, of course.

I'm in Nottingham tomorrow afternoon if that's any help?
Last edited by: Dave_TDCi on Mon 18 Jul 11 at 23:53
 Need to transfer some money for tomorrow - problem - rtj70
CGN.. indeed but the bank will be playing it safe because of payer/receiver accounts and whether it is all working.

I've paid from Barclays to Natwest and vice-versa and the money showed as available in seconds during a working hours transfer.
 Need to transfer some money for tomorrow - problem - CGNorwich


A useful list of banks on board
www.ukpayments.org.uk/faster_payments_service/value_limits/
 Need to transfer some money for tomorrow - problem - Stuartli
>> A normal electronic transfer of funds using Faster Payments Service should take no more than two hours. >>

That would have been my response as well....:-) Do it regularly.
 Need to transfer some money for tomorrow - problem - hjd
You can't make faster payments to everyone - won't work for John Lewis or HM Revenue and Customs, for example.
 Need to transfer some money for tomorrow - problem - Cliff Pope
Paypal?
 Need to transfer some money for tomorrow - problem - The Nut
As it's only £60 the faster payment system should work for you. We had the problem earlier this year where Santander didn't know their own limit was £300 and told us the £2000 we were transfering would go through the same day, it didn't.

If you do decide to drive down it would probably cost you about £25 in fuel, how much are they charging for delivery?
 Need to transfer some money for tomorrow - problem - Zero
Drive there, pay cash, collect laptop.

If its that urgent. Add the fuel cost to the bill.
Last edited by: Zero on Tue 19 Jul 11 at 09:16
 Need to transfer some money for tomorrow - problem - Crankcase
Bought a new car at the weekend so that meant moving money about. Moved some from Bank of Scotland (aka Intelligent Finance) and some from Alliance and Leicester (aka Santander). Both were going to the Lloyds.

All three of those are listed on the Faster Payments scheme. One payment took two days to appear in the Lloyds, the other three.


 Need to transfer some money for tomorrow - problem - Runfer D'Hills
>> Bought a new car at the weekend

C'mon then, what is it? Or have I missed a thread?

:-)
 Need to transfer some money for tomorrow - problem - Crankcase

>> C'mon then, what is it? Or have I missed a thread?


No, you've not missed a thread, but it's a car that fits my needs perfectly, although for reasons nobody else will be the slightest bit interested in, especially as it offers nothing to talk about other than some well funky gadgets, so by not starting another thread and spending all day having to either justify my purchase or watch people argue about why it's so useless, and tell us all again about how the batteries destroy the planet etc etc, or more likely, not say anything at all through stultifying boredom, I work on the theory that if I slip the word Prius into a long long paragraph that absolutely nobody will read in an obscure thread about something else I can if challenged at some far distant point in the future say I did in fact impart the relevant information whilst not exactly highlighting it.

You may go.

 Need to transfer some money for tomorrow - problem - swiss tony
Prius..... PRIUS??????????????
 Need to transfer some money for tomorrow - problem - Mapmaker
>> If its that urgent. Add the fuel cost to the bill.

You're kidding? Charge customer 45p per mile plus £40 per hour.
 Need to transfer some money for tomorrow - problem - Fenlander
>>>You're kidding? Charge customer 45p per mile plus £40 per hour.

No customer should have to support Rattle's lack of established business contacts re payments/delivery.
 Need to transfer some money for tomorrow - problem - Mapmaker
>> >>>You're kidding? Charge customer 45p per mile plus £40 per hour.
>>
>> No customer should have to support Rattle's lack of established business contacts re payments/delivery.

Well, whilst I sort of agree with you, if you buy Rattle's services you're getting a cheap service so you're not in a position to say "I need this tomorrow".
 Need to transfer some money for tomorrow - problem - RattleandSmoke
What makes you thing I am cheap? My insurance and software licence fees alone probably cost more than the entire turnover of some of the fly night operators I have to compete with. I may be cheaper than some, but I am quiet a bit more expensive than a lot.
 Need to transfer some money for tomorrow - problem - Mapmaker
Because a one man band is considerably cheaper than the technician in PC World, stands to reason!
 Need to transfer some money for tomorrow - problem - Zero
Well its no way to run a business anyway is it.
 Need to transfer some money for tomorrow - problem - Robbie34
I bank with HSBC and any online transfers that I make are in the other account within two hours. Pay cash into HSBC and they will have their money within the hour.
 Need to transfer some money for tomorrow - problem - RattleandSmoke
Spoke to the company, they said to transfer it today and they will send it out today regardless of when the money clears :).
 Need to transfer some money for tomorrow - problem - Ted

Surely there's somewhere in a city the size of ours who will do this work for you in futire.

Cost irrelevant...customer pays and you mark it up a bit.

Ted
 Need to transfer some money for tomorrow - problem - RattleandSmoke
It is very specialist though, this is a company which does reballs, many places advertise they do reballs but only do reflows.

However there is a place I am going to contact which claim to do reballs too, just behind Maplin near the BBC, so that might be worth looking into.

Clearly the lead times involved with shipping is just too long.
 Need to transfer some money for tomorrow - problem - sherlock47
Reballing...

for all those other people who thought it was just viagra that was needed, www.tfixrepairs.com/laptop_reball_london.php
 Need to transfer some money for tomorrow - problem - RattleandSmoke
Indeed, the problem is some places say they reball, when in fact they just literally just reheat the existing solder contacts in the hope it will work e.g the xbox in an oven trick.
 Need to transfer some money for tomorrow - problem - Fursty Ferret
>> Indeed, the problem is some places say they reball, when in fact they just literally
>> just reheat the existing solder contacts in the hope it will work e.g the xbox
>> in an oven trick.
>>

Edit: Looks difficult. What's the success rate vs cost?
Last edited by: Alfa Floor on Wed 20 Jul 11 at 10:55
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