Xmas/New Year Overspend.............

[BERNADETTE]

Originally Posted by lindsay ormerod

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !

Thanks for the warning but lets hope that they aren't all going to be gone Just counted and there are twenty one shops, lets hope that some of them hold out

[grannyclaret]

Originally Posted by BERNADETTE

Don't spend money I haven't got and never had a credit card. If I haven't got the money I go without.

Me too. Bernie..i always tell the salesgirls that when they try to force you into having one of their wonderful stoRe cards,,,

[Stanleymad]

Originally Posted by lindsay ormerod

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !

Also that some shops wont be taking the vouchers as they have done this xmas, that are still here come xmas 09 anyway, many are dropping out of the voucher scheme.

[flashy]

Originally Posted by lindsay ormerod

Just be careful with the vouchers you buy for this Christmas, half the stores on High Street Vouchers won't be there come December 2009 !

read that in the paper the other day

[West Ender]

That's a very good point. Lucky, in a perverse way, that this recession has started now and not in 6 months time.

[West Ender]

I just mentioned it to Nik and she says it's not quite the way it sounds. She tells the person who's collecting which shops she wants vouchers for, at Christmas, and the collector then goes and gets them. As she pointed out, she could have £200 worth of Sainsburys vouchers if she wanted them, and they're not all that likely to go bust, so it's not quite as "dicey" as it appears.

[flashy]

i know they arent all the same but i refuse point blank to get anymore vouchers since i got robbed by farepak

[MITZY]

I usually put a couple of quid on Asda cards each week then give them to grand kids for their Christmas presents.

[MargaretR]

It isn't really sound practice to let someonelse have use of your money - they are, in effect, having interest free loans at your expense.

[pipinfort]

I can see the sense in that................

[entwisi]

what protection do you have with these vouchers? NONE.

At least teh banks guarantee you. It was 35K but I seem to recall it went up recently to 50Kish.

I know where I would be placing my money....

[lancsdave]

Originally Posted by MargaretR

It isn't really sound practice to let someonelse have use of your money - they are, in effect, having interest free loans at your expense.

Some of the supermarkets probably pay more bonus on their savings cards than the banks pay interest on a savings account

[MargaretR]

Originally Posted by lancsdave

Some of the supermarkets probably pay more bonus on their savings cards than the banks pay interest on a savings account

I didn't know that some give you back more than you paid in - thats good to know

[West Ender]

Originally Posted by entwisi

what protection do you have with these vouchers? NONE.

....

What protection do you have if someone gives you M & S vouchers and book tokens as a gift? It's exactly the same. You take the risk of the honesty of the collector (who wouldn't get far - or, I suspect, walk for for long - if they embezzled) but the vouchers are not something dreamed up lately. Stores have had gift vouchers ever since I can remember and that's all these are.

I wouldn't use the scheme myself, I don't need to, but I can't see a problem and, believe me, I'm the sort to look for them.

[lindsay ormerod]

Originally Posted by flashy

read that in the paper the other day

I didn't , I just know what happened to the unfortunate folk with Our Price and Music Zone vouchers !