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Post by Lakeland Potter on Apr 18, 2014 15:14:36 GMT
Here is a thought. The minutes quote Tony Scholes as saying that the 4 instalment scheme is no longer possible under the FCA regulations. Does anyone know of any other clubs which DO still have a zero interest option to pay for season tickets in a low number of instalments over the summer?
I suppose if needs be some kind soul with time on their hands could check out the official sites of some other clubs.
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Post by Deleted on Apr 18, 2014 15:52:04 GMT
I'm not having a pop at our venerable supporters council members as individuals but considering we often get requests to help with the council profile and they use the message board to promote interest, their silence on this thread could be interpreted as deafening and potentially a little sinister. I know you have seen it folks and clearly there is some disquiet about the scrapping of the scheme and your own perceived lack of representation on the subject. It surely deserves some comment? I know that the vice chair of the SC, Malcolm Clarke, is abroad at the moment - as I have just bought West Brom tickets for him and his daughter). With it being a bank holiday weekend it is quite possible that the chair, Angela Smith, might also be on holiday. Creep GD
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Post by Lakeland Potter on Apr 18, 2014 16:01:15 GMT
I know that the vice chair of the SC, Malcolm Clarke, is abroad at the moment - as I have just bought West Brom tickets for him and his daughter). With it being a bank holiday weekend it is quite possible that the chair, Angela Smith, might also be on holiday. Creep GD Too right!
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Post by Clayton Wood on Apr 18, 2014 16:40:45 GMT
Here is a thought. The minutes quote Tony Scholes as saying that the 4 instalment scheme is no longer possible under the FCA regulations. Does anyone know of any other clubs which DO still have a zero interest option to pay for season tickets in a low number of instalments over the summer? I suppose if needs be some kind soul with time on their hands could check out the official sites of some other clubs. Sunderland do "Direct Debit Scheme . The club’s free payment scheme allows fans to pay for their season card with four Direct Debit payments in May, August, October and December." www.safc.com/tickets/season-cards/how-to-buyWhether that is interest free isn't clear though it suggests it is.
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Post by Lakeland Potter on Apr 18, 2014 17:12:19 GMT
Here is a thought. The minutes quote Tony Scholes as saying that the 4 instalment scheme is no longer possible under the FCA regulations. Does anyone know of any other clubs which DO still have a zero interest option to pay for season tickets in a low number of instalments over the summer? I suppose if needs be some kind soul with time on their hands could check out the official sites of some other clubs. Sunderland do "Direct Debit Scheme . The club’s free payment scheme allows fans to pay for their season card with four Direct Debit payments in May, August, October and December." www.safc.com/tickets/season-cards/how-to-buyWhether that is interest free isn't clear though it suggests it is. Cheers - if it is operated in the same way as our old 4 instalment scheme (and it looks very much as if it is) then either Tony Scholes is talking rubbish or Sunderland are breaking the new financial regulations.
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Post by scfcno1fan on Apr 18, 2014 17:19:29 GMT
Sunderland do "Direct Debit Scheme . The club’s free payment scheme allows fans to pay for their season card with four Direct Debit payments in May, August, October and December." www.safc.com/tickets/season-cards/how-to-buyWhether that is interest free isn't clear though it suggests it is. Cheers - if it is operated in the same way as our old 4 instalment scheme (and it looks very much as if it is) then either Tony Scholes is talking rubbish or Sunderland are breaking the new financial regulations.
Interesting. One for the SC to take up with Mr Scholes.
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Post by sheikhmomo on Apr 18, 2014 17:43:03 GMT
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Post by Clayton Wood on Apr 18, 2014 17:55:49 GMT
Sunderland do "Direct Debit Scheme . The club’s free payment scheme allows fans to pay for their season card with four Direct Debit payments in May, August, October and December." www.safc.com/tickets/season-cards/how-to-buyWhether that is interest free isn't clear though it suggests it is. Cheers - if it is operated in the same way as our old 4 instalment scheme (and it looks very much as if it is) then either Tony Scholes is talking rubbish or Sunderland are breaking the new financial regulations.
Meanwhile over at Norwich they offer "- Join more than 14,000 others and spread the cost interest-free*" The only catch is a £5 admin fee. Their ST brochure says "1.27. Those Season Ticket Holders paying for their Season Ticket by way of direct debit will incur a £5.00 annual processing fee in respect of each Season Ticket purchased which will be payable in equal instalments across the direct debit payment plan"
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Post by Lakeland Potter on Apr 18, 2014 17:56:04 GMT
I wonder how big the "admin fee" is for the West Ham 0% 4 instalment plan? It looks as if Stoke couldn't be bothered to ask V 12 to offer this option.
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Post by Lakeland Potter on Apr 18, 2014 17:59:11 GMT
It is beginning to look as if Stoke have been very selective in the amount of information they have given to the Supporters Council on this matter. What was it the late Alan Clarke M.P. called it when you don't actually tell lies but don't reveal the full truth - "economical with the actualite"?
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Post by sheikhmomo on Apr 18, 2014 18:00:20 GMT
I wonder how big the "admin fee" is for the West Ham 0% 4 instalment plan? It looks as if Stoke couldn't be bothered to ask V 12 to offer this option. The direct Tony Scholes quote, 'The 4 month direct debit scheme is no longer permissible under FCA regulations' doesn't seem to hold much water though forny?
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Post by Deleted on Apr 18, 2014 18:00:23 GMT
Oh dear, oh dear.
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Post by Lakeland Potter on Apr 18, 2014 18:01:33 GMT
I wonder how big the "admin fee" is for the West Ham 0% 4 instalment plan? It looks as if Stoke couldn't be bothered to ask V 12 to offer this option. The direct Tony Scholes quote, 'The 4 month direct debit scheme is no longer permissible under FCA regulations' doesn't seem to hold much water though forny? I agree Sheikh - see my post a minute or so back above yours. I suppose what Scholes would claim he meant to say is that Stoke could not offer this option themselves - although V12 clearly could.
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Post by Paul Spencer on Apr 18, 2014 19:07:05 GMT
It is beginning to look as if Stoke have been very selective in the amount of information they have given to the Supporters Council on this matter. What was it the late Alan Clarke M.P. called it when you don't actually tell lies but don't reveal the full truth - "economical with the actualite"?
That maybe, however if the Supporters Council had bothered to do a tincy bit of research and checked what was happening at other clubs before allowing Scholes to trample all over them, then maybe they could have at least given themselves the opportunity to stand their ground.
I think the SC come out of this very badly, they've gone in there totally unprepared and then royaly had their trousers pulled down and then on top of all that, they have been just as poor in communications about what took place at the meeting as the club were poor in communicating the withdrawal of the scheme in the first place.
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Post by johnsmithsupper on Apr 18, 2014 19:36:19 GMT
Mmmmm - an obvious reply to Tony Scholes is that one reason the thread generated as much (negative) traffic as it did was because of the loss of the 4 instalment plan came as a bombshell to most of the people on the thread. There had been no prior warning about (or reasons for) the dropping of the very popular 4 instalment plan from the club, who simply concentrated their publicity on the new 12 month credit option. The lesson is surely clear Mr Scholes...............if you don't want to see negative comment on the Oatcake, be open and up front about changes you make to the season ticket purchasing process - especially in a year when you are seeking to recover over 2,000 net season ticket sales lost last year . It is a tired old phrase - but I'm going to use it anyway It's not rocket science - you are paid a large amount of money to get the communications with the fans right - and on this occasion you failed. I suggest you all download last week knotfm Sunday sports show where a more than eloquent explanation of why the 4 month plan has gone was given by the scfcfc chairperson Angela Smith ie it isn't legal anymore apparently and the club were rapped by the fca/fsa for offering it even last year I believe that's exactly what the scfcfc were told
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Post by Olgrligm on Apr 18, 2014 20:06:55 GMT
TS urged the SC to be cautious in reading these threads & not to assume they are widely held views. In this case the vast majority of the thread was a conversation with between 2 people – 1 of whom was concerned about his credit worthiness and not strictly the removal of the 4 monthly payment scheme, the other who posts actively on any and all subjects
That doesn't seem like a very flattering way for the chief executive to describe two of the club's supporters.
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Post by Lakeland Potter on Apr 18, 2014 20:32:48 GMT
Mmmmm - an obvious reply to Tony Scholes is that one reason the thread generated as much (negative) traffic as it did was because of the loss of the 4 instalment plan came as a bombshell to most of the people on the thread. There had been no prior warning about (or reasons for) the dropping of the very popular 4 instalment plan from the club, who simply concentrated their publicity on the new 12 month credit option. The lesson is surely clear Mr Scholes...............if you don't want to see negative comment on the Oatcake, be open and up front about changes you make to the season ticket purchasing process - especially in a year when you are seeking to recover over 2,000 net season ticket sales lost last year . It is a tired old phrase - but I'm going to use it anyway It's not rocket science - you are paid a large amount of money to get the communications with the fans right - and on this occasion you failed. I suggest you all download last week knotfm Sunday sports show where a more than eloquent explanation of why the 4 month plan has gone was given by the scfcfc chairperson Angela Smith ie it isn't legal anymore apparently and the club were rapped by the fca/fsa for offering it even last year I believe that's exactly what the scfcfc were told I suggest you look at earlier posts on this thread where you will see that at least 2 other Prem clubs are offering a 0% 4 instalment plan via V12!!!!! And apart from the fact that other clubs are offering a 4 instalment plan and Stoke are not, the Chief Exec has also done a pretty lousy job of communicating with the fans. Even if the club was withdrawing the 4 instalment plan, the fans should have been advised of the fact and the reasons for the change long before the season tickets went on sale - they shouldn't have to wait for a local internet radio programme which went out one week before the earlybird period ended. But, more importantly, other clubs seem to have found a painless way to offer a 4 instalment plan at a cost of £5 - and I think Stoke fans should have had the same option, don't you?
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Post by Deleted on Apr 18, 2014 21:06:34 GMT
Why do i have this mental image of my then 5 year old daughter going
la la la la la I'm not listening while putting her fingers in her ears
GD
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Post by bathstoke on Apr 18, 2014 21:18:35 GMT
It is beginning to look as if Stoke have been very selective in the amount of information they have given to the Supporters Council on this matter. What was it the late Alan Clarke M.P. called it when you don't actually tell lies but don't reveal the full truth - "economical with the actualite"? The fraise: being economic with the truth/actuality/facts... Has been used from the 20th Cent. onwards by various politicians as a way of circumventing the rules of "Dissing" the right honourables, They're all £@#£!ng Liars anyway...
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Post by butler64 on Apr 18, 2014 22:08:00 GMT
[/quote]I suggest you all download last week knotfm Sunday sports show where a more than eloquent explanation of why the 4 month plan has gone was given by the scfcfc chairperson Angela Smith ie it isn't legal anymore apparently and the club were rapped by the fca/fsa for offering it even last year I believe that's exactly what the scfcfc were told[/quote]
Hi JSU
Did they explain on the show why it wasn't legal or can anyone on here help to explain why this arrangement would not be legal?
Thanks
GB
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Post by bayernoatcake on Apr 18, 2014 22:14:15 GMT
This is getting funnier and more embarrassing for certain individuals than I ever could have imagined. Excellent. Good work gang!
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Post by miggo on Apr 18, 2014 22:24:33 GMT
This is getting funnier and more embarrassing for certain individuals than I ever could have imagined. Excellent. Good work gang! I wish it would Bayern but it won't the council could raise the issue and TS will spin it in which ever way he sees fit the fact still remains we are on course to deliver our best ST sales to date the council will swallow whatever tripe he wishes to deliver and in all fairness to them it's not their job to question him and should they become a nuisance the council will be disbanded it's a no win situation. Sent from my C6603 using proboards
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Post by bayernoatcake on Apr 18, 2014 22:31:41 GMT
This is getting funnier and more embarrassing for certain individuals than I ever could have imagined. Excellent. Good work gang! I wish it would Bayern but it won't the council could raise the issue and TS will spin it in which ever way he sees fit the fact still remains we are on course to deliver our best ST sales to date the council will swallow whatever tripe he wishes to deliver and in all fairness to them it's not their job to question him and should they become a nuisance the council will be disbanded it's a no win situation. Sent from my C6603 using proboards Nothing will come of it, Scholes has made much bigger errors than this and got with it but it is embarrassing, neither will give a flying fuck though. Which is a massive part of the problem around this club being run like a League 2 club.
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Post by kitkatkev on Apr 18, 2014 23:20:32 GMT
Sweet fucking Jesus Christ, any member of that council should be fucking ashamed of themselves for swallowing that club shit. Are you really going to accept those minutes as an acceptable representation of how YOU not Scholes (that was fully expected) behaved. Shit the fucking bed. What a shambles. Fucking joke. Utter shite like every other iteration of this kind of bollocks. Why do you not go on council very easy to be critical, Come on
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Post by butler64 on Apr 18, 2014 23:20:51 GMT
I am by no means an expert and this has probably been covered elsewhere but the claim that offering a 4 month instalment plan on interest free credit is not legal is not entirely true. It is only not legal if the business concerned does not have a credit licence.
Under the Consumer Credit Act 1974 most businesses that provide goods and services on credit to consumers need to have a credit licence.
Trading in credit activities without a credit licence is a criminal offence.
On the 1 April 2014 the Financial Conduct Authority took over regulation of consumer credit from the Office of Fair Trading.
All firms that held a Consumer Credit Licence (CCL) could only be able to trade under their existing CCL until the 31 March 2014. All consumer credit licences expired on this date at midnight and if if they did not take action then they could not continue their licensable activities.
All businesses who wished to continue trading their licensable activities after 31 March 2014 needed to be registered with the FCA.
This would have required an application to the FCA with a fee to be able to offer consumer credit.
Reading between the lines if, the club were "rapped" for offering a 4 month interest free instalment plan then it suggests that they may not have been registered previously and did not want to register from 1 April 2014.
I might be way off track with this assumption, but the statement suggesting that it is not legal to offer this facility can only be true if the club are not registered to offer this facility.
Ask yourself, why so many retailers offer interest free credit in instalments, if it is not legal? It is legal for them because they will be licensed to do so. They will also state clearly that they are authorised and regulated by the Financial Conduct Authority and that they will undertake Credit Checks with a Credit Ratings Agency before making a decision to offer you credit.
Cheers
GB
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Post by Stafford-Stokie on Apr 19, 2014 5:18:21 GMT
I am by no means an expert and this has probably been covered elsewhere but the claim that offering a 4 month instalment plan on interest free credit is not legal is not entirely true. It is only not legal if the business concerned does not have a credit licence. Under the Consumer Credit Act 1974 most businesses that provide goods and services on credit to consumers need to have a credit licence. Trading in credit activities without a credit licence is a criminal offence. On the 1 April 2014 the Financial Conduct Authority took over regulation of consumer credit from the Office of Fair Trading. All firms that held a Consumer Credit Licence (CCL) could only be able to trade under their existing CCL until the 31 March 2014. All consumer credit licences expired on this date at midnight and if if they did not take action then they could not continue their licensable activities. All businesses who wished to continue trading their licensable activities after 31 March 2014 needed to be registered with the FCA. This would have required an application to the FCA with a fee to be able to offer consumer credit. Reading between the lines if, the club were "rapped" for offering a 4 month interest free instalment plan then it suggests that they may not have been registered previously and did not want to register from 1 April 2014. I might be way off track with this assumption, but the statement suggesting that it is not legal to offer this facility can only be true if the club are not registered to offer this facility. Ask yourself, why so many retailers offer interest free credit in instalments, if it is not legal? It is legal for them because they will be licensed to do so. They will also state clearly that they are authorised and regulated by the Financial Conduct Authority and that they will undertake Credit Checks with a Credit Ratings Agency before making a decision to offer you credit. Cheers GB But having said all that, is it credit when you don't get anything until after it is paid for?
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Post by Deleted on Apr 19, 2014 5:47:31 GMT
I wish it would Bayern but it won't the council could raise the issue and TS will spin it in which ever way he sees fit the fact still remains we are on course to deliver our best ST sales to date the council will swallow whatever tripe he wishes to deliver and in all fairness to them it's not their job to question him and should they become a nuisance the council will be disbanded it's a no win situation. Sent from my C6603 using proboards Nothing will come of it, Scholes has made much bigger errors than this and got with it but it is embarrassing, neither will give a flying fuck though. Which is a massive part of the problem around this club being run like a League 2 club. Your opinions are invalid. You comment on anything and everything...
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Post by Do it for dobing on Apr 19, 2014 6:11:28 GMT
It's very easy to criticize behind the key board.
Pointing problems out is constructive and helpful going beyond that is not fair.
If people feel that the club is failing them badly then they should join with the supporters council and discuss it with Tony Scholes face to face, as they say put up or shut up
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Post by DannyStokie on Apr 19, 2014 6:31:28 GMT
Lol the person who was "worried a bout his credit worthiness" was me, I wasn't worried, I was just making the point, Scholes ripping into me.
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Post by DansViews on Apr 19, 2014 6:45:33 GMT
The 0% no longer available under the FCA is a load of bollox and made me really angry. The reason why Tony Bullshit Scholes and his cronies have withdrawn it is because the club has to pay a subsidy rate to v12 and they are not willing to do this.
For example, if the interest for the 12 month plan is 4% - the interest free one would cost stoke the same in administration charges.
Tony Scholes needs to go, the suppers council should be fucked off as they dont seem to represent us.
Sent from my GT-I9505 using Tapatalk
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