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  1. #11
    mrs disregard's Avatar
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    It does seem like a red flag though, in terms of responsibility. If their marriage happened fast, it's even more of a concern.

    I hope your friend doesn't have to "learn" any lessons from this marriage, but she probably will.

  2. #12
    Lay the coin on my tongue SilkRoad's Avatar
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    Quote Originally Posted by proximo View Post
    No it isn't really. You can get those pre-pay Visa cards nowadays to use for anything that NEEDS plastic. And almost nobody doesn't accept cash
    Except Internet shopping...but then again, modern life is still possible without Internet shopping. I rely on it pretty heavily now for booking travel in particular, but this couple isn't travelling much, and not everyone is...

    Don't think I've ever heard of pre-pay Visa cards, though.

    Quote Originally Posted by disregard View Post
    It does seem like a red flag though, in terms of responsibility. If their marriage happened fast, it's even more of a concern.

    I hope your friend doesn't have to "learn" any lessons from this marriage, but she probably will.
    Yes, this is the thing.

    If she does learn lessons, I hope they are not very damaging! She's a lovely person and deserves someone nice who would give her some stability... I guess I don't really know enough about the situation all in all.
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  3. #13
    Senior Member proximo's Avatar
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    Quote Originally Posted by SilkRoad View Post
    Except Internet shopping...but then again, modern life is still possible without Internet shopping. I rely on it pretty heavily now for booking travel in particular, but this couple isn't travelling much, and not everyone is...

    Don't think I've ever heard of pre-pay Visa cards, though.
    Canada's Best Prepaid Mastercard and Visa Cards: Reloadable, Works Everywhere | Dan Matan for example. That was the first result Google gave me.

    You can use them for most internet shopping. And yeah, people living a different lifestyle to yours doesn't on its own constitute a reason for suspicion.

    If you think you have other grounds for concern, fair enough, but this on its own isn't enough, IMO. Having or not having a bank account shouldn't be seen as a measure of somebody's responsibility as a person. We should all be free to make such lifestyle choices without being judged by them. For many people it's MORE responsible for them to stick to NOT having a bank account, if they know that having one, they're unlikely to be able to run it properly (for whatever reason) and end up with other people suffering through the charges incurred.
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  4. #14
    Artisan Conquerer Halla74's Avatar
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    Quote Originally Posted by SilkRoad View Post
    Why would this guy not have a bank account??
    He might have criminal history in the U.S.

    If he does, and he has a bank account in Canada, then I am pretty sure that somehow CCIC (Canadian Criminal Investigative Computer) would do a lookup on NCIC (National Criminal Investigative Computer) in the U.S. via a daily/regular batch cycle job, associate the two, and notify someone.

    Despite some people not trusting banks, and others not trusting ex-spouses, it must be recognized that criminals also do not usually have bank accounts.

    Just sayin'.
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  5. #15
    Senior Member proximo's Avatar
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    Quote Originally Posted by Halla74 View Post
    He might have criminal history in the U.S.

    If he does, and he has a bank account in Canada, then I am pretty sure that somehow CCIC (Canadian Criminal Investigative Computer) would do a lookup on NCIC (National Criminal Investigative Computer) in the U.S. via a daily/regular batch cycle job, associate the two, and notify someone.

    Despite some people not trusting banks, and others not trusting ex-spouses, it must be recognized that criminals also do not usually have bank accounts.

    Just sayin'.
    Yeah... or they have them in false names, or in their real name, but they go by a false name in daily life...

    I just think you need to get some hard evidence really, before jumping to conclusions. Yeah, the other concerns you mentioned do seem to suggest there might be something untoward going on, but each one of them on their own isn't enough to start making accusations. If you're worried, then perhaps talking to your friend about it might help - she may put your mind at rest by giving you the actual reasons for these things, so you don't have to drive yourself crazy with theorising and suspicions.
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  6. #16
    Plumage and Moult proteanmix's Avatar
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    I have a family member who does not have a bank account because they owe everyone and their grandma money, but most importantly they owe Uncle Sam money. The government can and will go into your bank account and take money out of it even if you get paid in cash so they won't garnish your wages. Reasons can range from taxes to child support. I don't know what the deal is in Canada, but it's fairly common if the number of payday loan and check cashing business are an indication of anything.

    Most people that I know without bank account did something stupid so they can't have one. The not so innocent have a criminal background.

    My red flags would go up too. I don't think it's your place to ask why the husband doesn't have a bank account, but I would send the check via money order or cashier's check and not personal check.
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  7. #17
    Artisan Conquerer Halla74's Avatar
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    Quote Originally Posted by proteanmix View Post
    My red flags would go up too. I don't think it's your place to ask why the husband doesn't have a bank account, but I would send the check via money order or cashier's check and not personal check.
    If it's not too much money, sending via PayPal is easiest internationally, after that Western Union...from my recent experiences...
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  8. #18
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    How does one pay bills and such without a bank account?

    (honestly curious)

  9. #19
    Artisan Conquerer Halla74's Avatar
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    Quote Originally Posted by MacGuffin View Post
    How does one pay bills and such without a bank account?

    (honestly curious)
    It would be a real pain in the arse, seriously!
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  10. #20
    Emperor/Dictator kyuuei's Avatar
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    It's not such a problem, I do feel more secure with my cash in my hand than at a bank, but I use the bank anyways because banks protect against things like fires in my home and robberies and shit.

    Outside of that, it's convenient to have a single card to cancel. But with it is the fear of identity theft and things like what happened to Whatever--I've also had a bank account hijacked, but I got my money back after filing reports with the bank. It was a tedious, awful process though.

    Pre-paid cards are convenient ways of rounding away from banks though, so all's not what it seems.

    With all of that said.. if someone can't trust themselves with their money enough to not have it in a bank account, I don't know if they can be anymore trustworthy with cash.
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