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Scottish Currency Notes in England


Laurence

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My wife recently went into W H Smiths of Ormskirk Lancashire  to buy stuff for her Sister in Law's Funeral cards and that for the service and the wake.

 

Using notes issued by a Scottish bank

 

She was point blank refused not just by the staff but by the management.

 

She was forced to use a credit card

 

I was certain that Scottish bank notes were legal sterling tender throughout the UK

 

How suprised I was to find out that they are not legel tender even in Scotland

 

My information comes from this forum

 

http://www.avforums.com/forums/general-chat/1462570-why-english-shops-refusing-scottish-money.html

 

What do you think ???

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Why not ?

 I think we`ll call our currency Scottish pounds !!

 

And anyway who supplies the current  Scottish bank notes that we use?? ( & are refused in England).

 

Surely we can use these.......... :scotland:

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They never were legal tender but are accepted by every bank in the UK.  It's just stupidity that stops it being accepted.

 

Stamps are legal tender but just trying paying for your Sunday Post with that.  Jings, it'd fair get oan yer nelly, Wullie.

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There was a time about 20 years ago when England had removed pound notes from circulation but Scotland hadn't. On several occasions when I was studying down there, I found myself in a poorly lit pub or club handing over my Scottish £1 note for a pint (those were the days) and getting not just a pint but £4 change in return.  I was basically being paid to drink beer!

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There was a time about 20 years ago when England had removed pound notes from circulation but Scotland hadn't. On several occasions when I was studying down there, I found myself in a poorly lit pub or club handing over my Scottish £1 note for a pint (those were the days) and getting not just a pint but £4 change in return.  I was basically being paid to drink beer!

And you didnt bring to the barmans attention the error of his ways??                                                                                 good on ya

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During my RAF day's, I used to make sure I had plenty Scottish fiver's in my wallet for my return south.I'd order rounds of beer which were poured prior to tendering my notes. "we can't tek that foreign money" the barmen would cry. My reply was along the lines of " nae bother, put the beers back in the barrels mate"........... I always got my beer.... and change!!!!!!

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My wife recently went into W H Smiths of Ormskirk Lancashire  to buy stuff for her Sister in Law's Funeral cards and that for the service and the wake.

 

. . . . 

She was forced to use a credit card

 

No, she wasn't.

Scots law of contract (which is not dissimilar from English law) has a simple path to a legal transaction - the person owning the goods offers them for a price, the person wishing to take them tenders a price (does not have to be the same) and offers a method of payment, the seller then agrees the detail and the goods / service is provided. The transaction is only complete when the goods / service is delivered and the payment is cleared. Easy-peasy.

In this case, the offer has been made but the method of payment has been refused. No transaction takes place. The customer is free to either negotiate an alternative method of payment or seek another seller who is more willing to accept their tender.

No one is forced to do anything in any of these scenarios. The only time that would become an issue is if the goods / service has been delivered and the payment is not forthcoming or proves to be valueless, or the goods / service was defective in some way after payment has been received and the seller refuses to make suitable amends. At which point force (through legal measures) may be necessary to satisfy the injured party.

Knew that university education would be useful some day! :-D

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My wife recently went into W H Smiths of Ormskirk Lancashire  to buy stuff for her Sister in Law's Funeral cards and that for the service and the wake.

 

. . . . 

She was forced to use a credit card

 

No, she wasn't.

Scots law of contract (which is not dissimilar from English law) has a simple path to a legal transaction - the person owning the goods offers them for a price, the person wishing to take them tenders a price (does not have to be the same) and offers a method of payment, the seller then agrees the detail and the goods / service is provided. The transaction is only complete when the goods / service is delivered and the payment is cleared. Easy-peasy.

In this case, the offer has been made but the method of payment has been refused. No transaction takes place. The customer is free to either negotiate an alternative method of payment or seek another seller who is more willing to accept their tender.

No one is forced to do anything in any of these scenarios. The only time that would become an issue is if the goods / service has been delivered and the payment is not forthcoming or proves to be valueless, or the goods / service was defective in some way after payment has been received and the seller refuses to make suitable amends. At which point force (through legal measures) may be necessary to satisfy the injured party.

Knew that university education would be useful some day! :-D

 

 

I didn't use the word forced in the literal sense

 

I was just sugesting in order to expedite the transaction she used her credit card

 

No need to get Bolshi about it

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There's another thread about this on here somewhere....

 

If you do your homework properly, you'll find out that English Notes are not actually "legal tender" either.

 

I don't take your reprimand of not doing my home work , if you look at the forum  I linked, that base is covered. Do your reshearch and don't preach.

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Why not ?

 I think we`ll call our currency Scottish pounds !!

 

And anyway who supplies the current  Scottish bank notes that we use?? ( & are refused in England).

 

Surely we can use these.......... :scotland:

 

 

Why not ?   The Bank of England is responsible  for all sterling issue, that's why.

There is really no such thing as Scottish or indeed English pounds. The bank of England was Nationalised to prevent failure of any bank within it's jurisdiction. Which could be as far away as Gibralter.

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There's another thread about this on here somewhere....

 

If you do your homework properly, you'll find out that English Notes are not actually "legal tender" either.

 

I don't take your reprimand of not doing my home work , if you look at the forum  I linked, that base is covered. Do your reshearch and don't preach.

 

Touchy old fella, aren't you!!!

 

I wasn't reprimanding or preaching, merely pointing out that it was a discussion that had been had on here before.

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Whether it has been mentioned before is irrelevant

I was reporting an incident in Ormskirk and my amazement at finding out that it perfectly legal to reject currency of what ever colour if the vendour felt like it

The discussion materialised without personnal reading the link.

If we are to be restricted to items never mentioned before , we might as well close the forum down

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Whether it has been mentioned before is irrelevant

I was reporting an incident in Ormskirk and my amazement at finding out that it perfectly legal to reject currency of what ever colour if the vendour felt like it

The discussion materialised without personnal reading the link.

If we are to be restricted to items never mentioned before , we might as well close the forum down

 

Racialist vendor imo.

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Whether it has been mentioned before is irrelevant

I was reporting an incident in Ormskirk and my amazement at finding out that it perfectly legal to reject currency of what ever colour if the vendour felt like it

The discussion materialised without personnal reading the link.

If we are to be restricted to items never mentioned before , we might as well close the forum down

 

Where exactly did I try to restrict the discussion?

 

Even if I wanted to, how do you reckon I would go about that?

 

If memory serves, there was a rather lengthy discussion on this on here before, I merely brought that to your attention in case you wanted to seek it out since you..by posting this thread...clearly had an interest in the subject.

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Well, Laurence you are not quite accurate about the Scottish AND ENGLISH POUNDS.

 

SCOTTISH BANKS HAVE BEEN AROUND SINCE THE 1700's AND DEFINITELY ISSUED THEIR OWN NOTES FOR USE IN SCOTLAND AND THEY WERE POUNDS. HOWEVER, THE BANK OF ENGLAND SOMEHOW GOT THE NOTION THAT THEY WERE SUPERIOR TO  THE  SCOTTISH  BANKERS (lol) AND THE GOVERNMENT OF THE DAY  IN ENGLAND THEN SAID: " O.K. All banks must buy our bank notes for issue in England but you lot up in Scotland have been isssuing our own notes for donkeys' years so what we will do is allow you to keep on  issuing them without purchasing B of E pound notes as backing. They then set limits to this and this limit for each Scottish Bank was, and continues to be, referred to as the Fiduciary Issue.

 

Oops , sorry about the capitals fellas. Not shouiting;  just another senior moment. Enter Manfer with a witty comment....... 

 

This saved the banks a ton of money In Scotland since they kept their money in their pockets until their fiduciary issues were used up and THEN they had to buy notes from the B of E or issue their own notes but pay the bank to buy B of E notes as backing (insurance effectively).

 

Even today when I go to the banks in Canada occasionally I get the young teller who looks at the cheque drawn in pounds and says --is that English pounds  Mr. Pimple.

 

As for the legal tender issue I simply do not have a clue aboutt he legalities these days. But, generally speaking all Banks in England should normally take ScottishiBank notes as legal tender but the problem for them is that they have to send it to the Scottish Banks " For Collection" (which could take weeks ) rather then negotiating it through the  banking system directly. And that is why they are not keen to take them because they have to wait so long to get their money back from Scotland .

 

:wave: frae Canada.

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  • 2 weeks later...

Any debate and Laurence will tun it to an anti-independance one. Regardless of what the law says or what the true definition of 'legal tender' is can I point out that the Bank of England no longer 'promise to pay the bearer on demand in X pounds sterling' but all the Scottish banks do.

 

As for his wifes experience was it a Clydesdale note by any chance? I've travelled all over England and Wales over the years, including Ormskirk, and have only ever had a problem once. That was in Norwich with a Clydesdale 20.

 

When independance comes we need to refuse BOE notes because they are not legal tender up here.

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