We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Is this right???

samantha2312
samantha2312 Posts: 36 Forumite
in Credit cards
Hi, I have a credit card with alliance & leicester and have occasionally been late paying but never too much or too late!
I phoned as my new card did not get sent when it expired and they said they were not going to give me a new card and I have to carry on paying it at the current interest as normal!
Is this right???


Thanks
Debts £3000.00 Paid off £0.00
Savings £0.00
Save a £1 a day = £9.00
Pay £20.00 a week to debts / £1040.00 a year
debt free 2yrs 46days
Decided to clear debts and be responsible 28/08/2009

Comments

  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    samantha2312 wrote: »
    Hi, I have a credit card with alliance & leicester and have occasionally been late paying but never too much or too late!
    I phoned as my new card did not get sent when it expired and they said they were not going to give me a new card and I have to carry on paying it at the current interest as normal!
    Is this right???


    Thanks
    Yes, you managed your account poorly so they have done the right thing and not issued you a new card as you are a high risk customer.
    Maybe be more careful next time. ;)
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • simon_templar_2
    simon_templar_2 Posts: 960 Forumite
    What about getting it written off??
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    simon_templar wrote: »
    What about getting it written off??
    Naughty Simon! :naughty::p
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • samantha2312
    samantha2312 Posts: 36 Forumite
    I have a handful of times been late by max couple of weeks paying! Any useful help would be valued, I don't want to reclaim charges as I have only ever had them at my own fault!
    Debts £3000.00 Paid off £0.00
    Savings £0.00
    Save a £1 a day = £9.00
    Pay £20.00 a week to debts / £1040.00 a year
    debt free 2yrs 46days
    Decided to clear debts and be responsible 28/08/2009
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    samantha2312 wrote: »
    I have a handful of times been late by max couple of weeks paying! Any useful help would be valued, I don't want to reclaim charges as I have only ever had them at my own fault!
    Have you tried changing your credit card provider?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • ALIBOBSY
    ALIBOBSY Posts: 4,527 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lots of providers are reducing the outstanding debt across all their cards. Some people have had the card not renewed as in your case and many have had the balance available reduced month on month or even drastically slashed.
    This is happening to those with good credit ratings and bad.

    ali x
    "Overthinking every little thing
    Acknowledge the bell you cant unring"

  • Moggles_2
    Moggles_2 Posts: 6,097 Forumite
    samantha2312 wrote: »
    I have a credit card with alliance & leicester ... I phoned as my new card did not get sent when it expired and they said they were not going to give me a new card and I have to carry on paying it at the current interest as normal. Is this right?
    Yes, it is a requirement that you can thank the Government for.

    Until January this year, cc providers reserved the right to vary standard rates even after cards were cancelled. Now they're required to freeze interest rates following closure.
    People who don't know their rights, don't actually have those rights.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.1K Work, Benefits & Business
  • 603.7K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture