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Cash v Direct Debits / Legal Tender ?

  • 30-03-2006 5:24pm
    #1
    Rockdolphin
    Closed Accounts Posts: 87 ✭✭


    It's almost impossible nowdays to sign up to any service without the vendor insisting on a direct debit. Does anyone here know the legal position should a customer insist on paying cash. Is there not an obligation on vendors to accept legal tendor ie; notes issued by the central bank ?


Comments

  • #2
    hullaballoo
    Administrators, Entertainment Moderators, Social & Fun Moderators, Society & Culture Moderators Posts: 18,774 Admin ✭✭✭✭✭hullaballoo


    I think it's probably DD as against cheque, postal order etc. I'm sure cash would be accepted in general. It depends on the situation, try to give a few more details.


  • #3
    Rockdolphin
    Closed Accounts Posts: 87 ✭✭Rockdolphin


    Recently when trying to move from pay as you go to monthly billing with my mobile phone, Meteor for instance would only accept either direct debit or credit card payment for the monthly bill. What I'm wondering is do they have a legal obligation to accept legal tender as in bank notes should I insist in paying this way.


  • #4
    Victor
    Registered Users, Registered Users 2 Posts: 78,580 ✭✭✭✭Victor


    They are specifying the terms on which they will do business.

    Realise that chasing up errant customers (even ones that want to pay) costs a fortune.


  • #5
    dermot_sheehan
    Closed Accounts Posts: 2,062 ✭✭✭dermot_sheehan


    Rockdolphin wrote:
    It's almost impossible nowdays to sign up to any service without the vendor insisting on a direct debit. Does anyone here know the legal position should a customer insist on paying cash. Is there not an obligation on vendors to accept legal tendor ie; notes issued by the central bank ?

    Legal tender simply means something that must be accepted in satisfaction of a debt. If you're in debt to someone, and they sue to recover, it's a good defence that you offered legal tender.

    Businesses are perfectly able to specify in they're terms that they will only accept payment by a certain mechanism (e.g. no 1 or 2cent coins, no cash, cash only, etc)


  • #6
    Rockdolphin
    Closed Accounts Posts: 87 ✭✭Rockdolphin


    gabhain7 wrote:
    Businesses are perfectly able to specify in they're terms that they will only accept payment by a certain mechanism (e.g. no 1 or 2cent coins, no cash, cash only, etc)

    I know only a certain amount of coinage is legal tender, for instance maybe 30 2c coins. I still have my doubts vendors can legally insist on other methods of payments should a buyer offer cash. I take the point that in the persual of a debt a vendor would be obliged to accept cash of legal tender in settlement. However are they in breach by insisting on other methods such as DD when legal tender is offered in the initial stages of a contract for services ?


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