The Virtual Pub

Come Inside... => Saloon Bar => Topic started by: Nick on November 19, 2010, 11:33:27 AM

Title: Credit Card Conundrum
Post by: Nick on November 19, 2010, 11:33:27 AM
I had a bill from the Halifax. It seems I owe them 44p!!

I phoned, debit card in hand, and they refused to process the payment. Too small!

Now they have written again and added interest. I now owe them 46p!!  cussing:

I phoned again and they said go into a branch. I went in yesterday and put 46p on the counter. They refused to process the transaction. Too small!!  Banghead

Any suggestions  eveilgrin:
Title: Re: Credit Card Conundrum
Post by: tel on November 19, 2010, 11:35:29 AM
Pay a fiver, leave it for a week then demand repayment with interest of 50p.

You can always throw in an admin/handling charge of say £25.
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 11:47:20 AM
Pay a fiver, leave it for a week then demand repayment with interest of 50p.

You can always throw in an admin/handling charge of say £25.

worthy:
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 11:48:17 AM
Can you imagine the conversations with the Indian call centre? Any others??
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 11:49:31 AM
Can you imagine the conversations with the Indian call centre? Any others??

Why not just buy something with the card and pay off the balance in full next month?  ::)
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 11:50:41 AM
I no longer have the card  Banghead
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 11:57:50 AM
I no longer have the card  Banghead

Ask for a replacement card like...  ::)
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 12:00:37 PM
If I wanted a sensible answer I wouldn't have posted it here, would I?  cussing:
Title: Re: Credit Card Conundrum
Post by: tel on November 19, 2010, 12:03:33 PM
My answer was sensible, and practical.

Title: Re: Credit Card Conundrum
Post by: Snoopy on November 19, 2010, 12:08:49 PM
Send them a postal order ~ recorded delivery like.


Together with a letter saying "In full and final settlement of your demand"


Whether they cash it or not is up to them.
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 12:10:34 PM
 rubschin:
Title: Re: Credit Card Conundrum
Post by: Snoopy on November 19, 2010, 12:15:35 PM
Alternatively send them a 46pence stamp (unused). It is legal tender!

Enclose it with a letter as above.
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 12:16:31 PM
Recorded delivery + the cost of postal order + trip to post office + standing in queue behind grannies collecting pension + parking ticket on car parked on yellow line outside post office...

I can see that would be much better than asking them to send you a new card (at their cost), using it to put petrol in the car then paying off the bill in full next month eh...?  ::)
Title: Re: Credit Card Conundrum
Post by: Baldy on November 19, 2010, 01:00:49 PM
About 10 years ago a mate of mine used to go on purpose to the council office to pay his council tax. Deliberately he would make it 5 or 10 pence above or under the amount required.

The 'pooter could not cope with anything that was the correct amount.

"It is the only cheque I have left" was his reply.

He loved Phuquing in up the system.  whistle:
Title: Re: Credit Card Conundrum
Post by: Pastis on November 19, 2010, 01:48:35 PM
Santander declined payment / accepted / declined / accepted payment for the last two weeks  eeek:   noooo:

I ended up sticking to the John Lewis Partnership card  ::)

Quelle cock-up!
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 01:51:32 PM
Santander declined payment / accepted / declined / accepted payment for the last two weeks  eeek:   noooo:

I ended up sticking to the John Lewis Partnership card  ::)

Quelle cock-up!


Oooohhhh... what did you buy us like...?  cloud9:
Title: Re: Credit Card Conundrum
Post by: Pastis on November 19, 2010, 02:13:16 PM
Santander declined payment / accepted / declined / accepted payment for the last two weeks  eeek:   noooo:

I ended up sticking to the John Lewis Partnership card  ::)

Quelle cock-up!


Oooohhhh... what did you buy us like...?  cloud9:

errrr.. I have just the thing for you... A picture of a mahoosive Buddha on Lantau Island that I took... whenever you get stressed you can look at it and think peace and happy thoughts  cloud9:

Actually, you've just reminded me; I must dash over to Duty Free for some Scotch ...  whistle:
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 02:15:54 PM
Quote
A picture of a mahoosive Buddha on Lantau Island that I took

BM can see that by looking in a mirror  noooo:
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 03:02:32 PM
Quote
A picture of a mahoosive Buddha on Lantau Island that I took

BM can see that by looking in a mirror  noooo:

 evil:
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 19, 2010, 03:23:59 PM
...A picture of a mahoosive Buddha on Lantau Island that I took


Been there, done that.  happy088
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 03:26:47 PM
Santander declined payment / accepted / declined / accepted payment for the last two weeks  eeek:   noooo:

I ended up sticking to the John Lewis Partnership card  ::)

Quelle cock-up!


Oooohhhh... what did you buy us like...?  cloud9:

errrr.. I have just the thing for you... A picture of a mahoosive Buddha on Lantau Island that I took... whenever you get stressed you can look at it and think peace and happy thoughts  cloud9:

Actually, you've just reminded me; I must dash over to Duty Free for some Scotch ...  whistle:

Got that already...  cloud9:

(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.nomad4ever.com%2Fwp-content%2Fuploads%2F2006%2F12%2Fhongkong_lantau_bigbudda.jpg&hash=4454a279bfa6681b3a83aec922181d88b82dc9c2)

Can I have a bottle of Scotch instead like...?  whistle:
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 19, 2010, 03:41:20 PM
Those stairs  noooo:
Title: Re: Credit Card Conundrum
Post by: Darwins Selection on November 19, 2010, 04:10:10 PM
 whistle:


(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs3.postimage.org%2F26xygvd0%2Fhongkong_lantau_bigbudda.jpg&hash=768ef92181e1ddf1a8e3e858ba6cfc41bdd59a26) (http://postimage.org/image/26xygvd0/)
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 19, 2010, 04:16:26 PM
 happy001 happy001
Title: Re: Credit Card Conundrum
Post by: Barman on November 19, 2010, 04:49:56 PM
 happy001 happy001 happy001
Title: Re: Credit Card Conundrum
Post by: Nick on November 19, 2010, 05:28:44 PM
 cussing: cussing: cussing: cussing: cussing: cussing:
Title: Re: Credit Card Conundrum
Post by: Grumpmeister on November 19, 2010, 08:47:21 PM
Logged into my internet bank account last night to check on things and saw my credit card account with jest under £2500 clear on it. If I find that means I CAN have it back heads are going to roll!   cussing:
Title: Re: Credit Card Conundrum
Post by: Pastis on November 20, 2010, 07:07:04 PM
whistle:


(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs3.postimage.org%2F26xygvd0%2Fhongkong_lantau_bigbudda.jpg&hash=768ef92181e1ddf1a8e3e858ba6cfc41bdd59a26) (http://postimage.org/image/26xygvd0/)


Excellent!  I have a similar pic, but without the speech bubble  lol: lol:
Title: Re: Credit Card Conundrum
Post by: Pastis on November 20, 2010, 08:07:25 PM
...A picture of a mahoosive Buddha on Lantau Island that I took


Been there, done that.  happy088

Did you go up on the cable car?  scared2:
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 20, 2010, 08:12:12 PM
No I walked. I was fitter then. (1991)

This was pre the new airport. I had a freebee trip to Hong Kong courtesy of Cathay Pacific. It was the first non-stop London - Hong Kong flight. First class  happy088
Title: Re: Credit Card Conundrum
Post by: Pastis on November 20, 2010, 08:33:54 PM
Excellent!

They now have a cable car from the MTR stop as an alternative to the bus ride to the monastery. You then still have to walk up the 256 (?) steps to the Buddha but it's worth it as you know.  happy088
Title: Re: Credit Card Conundrum
Post by: Pastis on November 20, 2010, 08:53:16 PM
I thought I was onto a good thing when I saw this ...  eyes:

(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fwww.filesonic.com%2Ffile%2F33985085%2FIMG_0189.JPG&hash=64df17771df2540e4f6b4954faaa133943db0c89)
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 20, 2010, 08:59:45 PM
red x ?
Title: Re: Credit Card Conundrum
Post by: Pastis on November 20, 2010, 09:20:11 PM
(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs2.postimage.org%2F2icfbxrac%2FScreen_shot_2010_11_20_at_21_19_12.jpg&hash=14bfef4d24e7d3b337a1e3839a2e6386e96389a5) (http://postimage.org/image/2icfbxrac/)

Geddit?
Title: Re: Credit Card Conundrum
Post by: Barman on November 21, 2010, 05:08:40 AM
(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs2.postimage.org%2F2icfbxrac%2FScreen_shot_2010_11_20_at_21_19_12.jpg&hash=14bfef4d24e7d3b337a1e3839a2e6386e96389a5) (http://postimage.org/image/2icfbxrac/)

Geddit?

 ;D
Title: Re: Credit Card Conundrum
Post by: Uncle Mort on November 21, 2010, 07:09:24 AM
(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs2.postimage.org%2F2icfbxrac%2FScreen_shot_2010_11_20_at_21_19_12.jpg&hash=14bfef4d24e7d3b337a1e3839a2e6386e96389a5) (http://postimage.org/image/2icfbxrac/)

Geddit?

Gottit!
Title: Re: Credit Card Conundrum
Post by: Snoopy on November 21, 2010, 07:43:07 AM
(https://www.virtual-pub.com/SMF/proxy.php?request=http%3A%2F%2Fs2.postimage.org%2F2icfbxrac%2FScreen_shot_2010_11_20_at_21_19_12.jpg&hash=14bfef4d24e7d3b337a1e3839a2e6386e96389a5) (http://postimage.org/image/2icfbxrac/)

Geddit?


Hope springs eternal eh?
Title: Re: Credit Card Conundrum
Post by: Grumpmeister on January 12, 2011, 01:11:55 AM
Well having now had a letter from the bank telling me that because the final PPI payment was delayed the limit on my dead credit card was being slashed I have now sent a blistering complaint in and am now waiting for their reply.    cussing: