As the world quietly and non-transparently removes the cash option, I try to keep an eye on whether I am a boiling frog in that pot.
Mutuals for healthcare do not accept cash payment for their administrative fees, and yet their service is mandatory. Though I wonder if the bPost cash payment service would work for this. I believe bPost’s service is restricted to only certain kinds of bills like utility bills.
Mutual staff told me if they need to reimburse a patient who gave them no bank info, they send a Belgian “circular cheque”. Many people erroneously believe cheques to be non-existent, even some bankers!
It’s a bit off because generally (in the commercial sector) when you pay for something using a certain payment instrument, any refunds should use the same payment instrument. If you paid cash, you should get cash back. If you paid by a bank card, the reimbursement should go back to that same card. It’s important for accounting and avoids shenanigans like a consumer asking the bank for a chargeback when the refund was already given through a different means.
Anyway, it’s understandable that a mutual would not have that degree of precision. But isn’t someone who is unbanked essentially screwed in this case? What can an unbanked person do with a Belgian circular cheque? In some countries they would in the very least be able to cash the cheque at the issuing bank. According to Belfius, a circular cheque cannot be cashed and must be deposited on an account. This seems to impose forced-banking, correct?
Product returns
BTW, I paid cash for something in a shop which I later returned. The shop was “incapable” of refunding cash and they insisted on reimbursing to a bank card. I could not work out how that could be legal. Consumers are entitled to refunds in certain situations, so if a merchant refuses a refund due to a consumer not having a bank account, they are essentially violating the consumer protection law, no?
As a test, I insisted on cash reimbursement. It was under €10 yet still a big hassle for them. Even though they had a cash register holding cash from inbound payments, they had to discuss with management in order to make an exception and reimburse cash.
That sounds bizarre because boycotting produces no expression whatsoever. Boycotting is simply the absence of an action which leaves no trace of expression, written, verbal, or as art. Can you elaborate?