Scarry

My bank does not allow that.

I guess I was right...you could not find me saying "forever" If you don't give a damn about what I think, then don't respond with your "baiting" answers. You are a "master" at it. Don't expect you to look at this link, but if you dare...pay attention to the part where it says " Debit Cards: Much greater liability risk than credit cards:" (oposing your weak example of the opposite using the word scary)

a.. Your loss is limited to $50 if you notify the financial institution within two business days after learning of loss or theft of your card or code. b.. But you could lose as much as $500 if you do not tell the card issuer within two business days after learning of loss or theft. c.. If you do not report an unauthorized transfer that appears on your statement within 60 days after the statement is mailed to you, you risk unlimited loss on transfers made after the 60-day period. That means you could lose all the money in your account plus your maximum overdraft line of credit, if any. Example:

On Monday, John's debit card and PIN were stolen. On Tuesday, the thief withdrew $250, all the money John had in his checking account. Five days later, the thief withdrew another $500, triggering John's overdraft line of credit. John did not realize his card was stolen until he received his bank statement, showing withdrawals of $750 he did not make. He called the bank right away. John's liability is $50.

Now suppose that when John got his bank statement he didn't look at it and didn't call the bank. Seventy days after the statement was mailed to John, the thief withdrew another $1,000, reaching the limit on John's line of credit. In this case, John would be liable for $1,050 ($50 for transfers before the end of the 60 days; $1,000 for transfers made more than 60 days after the statement was mailed). "

I th>> I don't have to do anything ....especially for you! A credit

Auto deduct from a financial institution account or a credit card is far superior to dicking around with any of Quicken's bill paying feature. I've never had an auto deduct transaction screw up. Can't say the same about Quicken bill paying.

a damn about what I

it. Don't expect you to

Debit Cards: Much

opposite using the word

card, which differs from

or Stolen Credit Cards).

within two business days after

within two business days

statement within 60 days after

after the 60-day period. That

line of credit, if any.

withdrew $250, all the money

$500, triggering John's

received his bank

right away. John's liability

didn't call the bank.

another $1,000, reaching the

($50 for transfers before

statement was mailed). "

quoted my total answer??

"stickin with it" !!

you're wrong.]

That John would have had to be a COMPLETE idiot for not keeping regular tabs on his bank account. I check mine, on line, almost every day.

I have had an auto payment mistake. I was kept whole by the company that made the mistake. Ironic that it happened it the first month of auto draft....

Baloney.

What you said, and I repeat, is that "when it is gone it is gone".

What that means in the English language is that it is gone forever. Period. I probably made a mistake in thinking that you could not possibly be stating the obvious and meaningless ... that you could not possibly be saying that "when the money is withdrawn from your account ... the money is withdrawn from your account" Not even you could have made such a nonsensical statement.

You don't get to redefine the meaning of terms or phrases whenever it suits you.

My comments stated that you were just as legally entitled to regain your funds no matter what means were used to take them illegally. I stand by that statement.

I'm also well aware of the credit card specifics; they have absolutely nothing to do with the discussion at hand. (If you owe the money, nothing the credit card company does will protect you from owing it ... and in all likelihood, they will not even attempt to protect you in that case.)

The subject of this discussion never had anything to do with the theft of anyone's debit card; so you're also not going to get away with pretending otherwise.

You have not provided a single shred of evidence that EFT payments, debit card withdrawals or check payments have resulted in any greater loss of money than online bill payments ... not a shred.

Perhaps you have conveniently forgotten that the discussion is about online billpay.

But even that does not excuse your paranoid ignorance. Paranoia is a personal problem ... your problem.

the mistake. Ironic that

other bills are directed to a

have to issue one payment.

I schedule the payment

Well, whenever possible I have auto deductions using my credit card, rather than my bank account as I get an annual dividend for most credit card transactions. Some payees, unfortunately, will not accept credit cards as payment options, e.g. all my utilities, save for telephone and long distance. VISA auto deducts payment in full on the DUE DATE, from my bank account. Of course the statement still comes about 2 1/2 weeks earlier, giving me lots of time to review it for errors. After years and years, NO errors. Yet.

superior to dicking around

transaction screw up. Can't

Online billpay takes too much time for me--I have automated almost everything to do with regular payments AND receipts, save for auditing statements.

( Except you using the word "forever", remember you used it first!, you keep forgetting that part!)

I care about what you write here, not what might, or might, not be going on inside your head.

If what you wrote is wrong - and it is - you can clarify what you "think" by admitting you were wrong, and restating your point. But you can't claim that words you wrote mean what they can not mean, you can not redefine those words, to restate your point. If you intended to say it was "dark outside", but you actually said it was "light outside"; you can not return later to say that "light outside" doesn't actually mean daytime, it means nightime (or that you never mentioned "daytime").

No, I didn't forget anything.

"Once it's gone, it's gone" = "Once it's gone, it's gone forever".

You are the person who said "Once it's gone ...", before I ever posted in this branch of the discussion. As I pointed out before, there is no reason to use that phrase unless you mean "forever"; if you don't mean forever, don't use that phrase.

Your whole premise for this thread has been either incorrect or infused with gross paranoia.

If you are worried about someone hacking into the bank computers, you had best stop using any banking services, most especially any online banking services (you could put the money under your mattress, but that's even riskier than the bank).

Your claim about the imagined extra difficulty getting back money taken from your bank account has not been supported by actual evidence. Statements of government law/policy do not contain any information about what actually occurs in such situations, and government law/policy on credit cards doesn't tell you anything about bank checking/savings accounts.

Ever had your pc keystrokes captured by a hacker who then used the information gathered to log on to your bank account and take your money? (Much easier than hacking the bank's compters.) Someone in my family did; the bank returned the money with very little effort required; effort on the order of reporting a lost credit card. [For every one of those "hacks" you figure out how to prevent, there will be another come along to take its place: there is no such thing as a risk free environment.]

Your bank told you there wouldn't be a problem, but you decided that didn't count. So you accept whatever feeds your pre-conceptions and ignore that which doesn't.

Mr. Pollard is doing [above] what he accuses his posting counterpart of doing. By adding the word, "forever" he alters the specifics of his counterpart's statement, then defines his *own* words as the meaning of the counterpart's words. This is, at best, faulty logic and a "do-as-I say, not-as-I do" approach.

Mr. Pollard is usually smarter than that.

Huh? I agree with John. Forever is not required here. Gone is gone. Forever is implied by the usage of the term gone. If not is not gone forever then it ain't really gone now is it? Just because you use situational logic and are wishy washy doesn't mean that the rest of us are. You sir are the one who is being argumentative and who is wrong.

John is smarter than that and by your abuse above you are dumber. Period (

Another instance of you making it up as you go along...the more you write the more you make less sense (if possible)

I guess the Fed reserve is also now wrong, I was just quoting them, glad you at least read it.

I accept what they said, I just do not want to ever be in a position to test it. ( I hate repeating myself) You are attempting to put words in peoples mouth...."but you decided that didn't count" What/when/where.?

I keep forgetting to mention, your references to EFT's, I think you need to study the defination of them. You seem to seperate them "debit card or credit card or EFT" Can't wait to here this!

I "inserted this"? What part of the definition don't you understand. I gave you too much credit for thinking you wouldn't make a totally ignorant statement. If that phrase doesn't mean it's gone forever, it doesn't mean anything useful at all.

Since there is nothing in my statement even resembling this, I see you are now getting truely desparate.

Where in the statement do you see any explantion of what you can expect when you attempt to retrieve funds taken from your bank account? Where in the statement do you see anything explaining what the difference would be if you tried to prove there was a fraudulent charge on your credit card account (not a stolen or lost card) as opposed to what you would have to do to recover money taken from your bank account?

Noting that the fed statement did not address those issues is apparently saying the fed is wrong in your ignorant opinion.

You started out with a notion that was ignorant of reality and continued on to pretend that there was some dangerous demon loose that you had suddenly uncovered. I'm not the only one who noticed, but you foolishly decided to try to defend the dumbest thing you said.

There is no Quicken issue here and there is no security issue here.

You haven't said much of anything worth the time for you to type it. But your pretense about the danger posed by the bank changing your payee's address is ripe with the implication that you have no clue about what the difference is between one security risk and another.

Duh. Who does want to "test it"? What person on this planet are you trying to distinguish yourself from?

If you really accept what they said, you're admiting that you never had a point in the first place. At last.

Well "hear", "hear". ;)

An EFT is an electronic funds transfer; the term can refer to more than one type of payment/deposit/transfer (including some bill payments). But in the context of my post, I was referring to the specific practice of authorizing a company to take funds from your account electronically on a regular basis: a one time authorization that is in effect (no additional permission required for individual withdrawals) until you revoke it. Those payee initiated withdrawals from your account are EFT's, as I used the term. Used that way, an EFT is different than a typical credit card, debit card, or billpay transaction. [In my observation, such EFT's tend to be "feared" more by those with elevated levels of security concerns, though I think such fear is also uncalled for.)

You can just keep prattling on by yourself now, because you have nothing to say, and can't tell when you've said it badly. It's time to filter you out.

I fail to understand the problem. Most Financial Institutions will try to keep the business of the customer - all would be based on their history with you.

I've had credit cards with a false charge (I'm >>> "Once it's gone, it's gone" = "Once it's gone, it's gone

Everybody is entitled to their opinion I guess and so you are entitled to your own. John's just starting the feel the abuse that I had felt for years back in the '00's. In any event you saying that I am generally not that smart is stupid in and of itself. There is nothing my response that signified any stupidity as evidenced by the fact that you bring nothing to challenge. You've hopefully lost your argument and have no recovery so you discount what people say with little in the way of proof, evidence or refutation. Brilliant, but stupid.

So I can see nothing better to do with your crap but to add you to an ever increasing killfile.

Bye, and have fun in your ignorance...

John, John... Give it up. Don't you know that no good dead goes unpunished? I learned that back in 2000 and this group has suffered since. And I could give a f*ck less... It's been truly liberating and you should definitely try it sometime.... SOON!