Preparedness for when

alfsmum

Yesterday's banking case has made me have a rethink. I was going to cancel a Credit card which we don't use now and have always paid in full but I think I will hang on to it as an extra option . Really pleased now that I have a little stash of cash tucked away for possible banking SHTF scenario .

I can see some people would have been totally stuck yesterday if they are anything like Dd19 who doesn't carry cash and pays for everything with her debit card. I have tried to get her to keep a small amount of cash about her person but it usually falls on deaf ears! Dd16 on the other hand likes the feel of the notes in her pocket, not the bank's:T

Butterfly_Brain

If you have savings transfer them to a credit union and keep some cash at home for an emergency, don't keep it in the banks. I have used my money to invest in a multifuel stove, food stores and lots of solar, and wind up products. A much better investment than putting it in the banksters grasp.

jk0

Evening folks,

I was surprised to get this email today from one of my letting agents. I thought you might be interested to read it:

I write to advise that since sending your statement, the *** banking group have been experiencing some problems and I therefore have to delay your payment due to credits subsequently debiting from our account leaving us without the funds to make your payment.

I have been assured that these monies are in a suspense account at the bank and that the rental payment have not been returned to the tenants.

Therefore as soon as all my payments have been re-credited I will process the payment due to you as soon as possible.

I do send my apologises, however, this situation is out of my control.

I still have no rent. I thought it was all sorted out now?

MrsAtobe

GreyQueen wrote: »

A small part of my job involves taking debit and credit card payments over the phone and I'm noticing more and more "declines" in the past few weeks. We enter the customer's card details into our computer program and then submit them to the big banking servers on the web. Takes about 5 seconds and it is accepted or declined.

Doesn't give us any reason for a decline so all we can do is ask the customer to contact their bank. Several times, I've had a "declined" customer back again a few mins later and the reason that their bank gave was that the activity looked suspicious. So they blocked it.

So, if you're planning to make a couple of retail purchases/ hotel bookings and then pay your council tax, please be aware that your trigger-happy bank may consider this to be a suspicious activity and decline it.

This has happened to me, I ordered a few things from Amazon, then went to pay my broadband bill. My card was declined, and I'd only been paid the day before. I rang the bank, and they said that because I didn't use my debit card that much, it was considered suspicious activity. Of course I don't use my debit card much, I'm trying to save money... :mad:

[Deleted User]

mardatha wrote: »

off up to the branch this morning to see if I can get it over the counter.

You will need to take half a dozen Viagra.

[Deleted User]

GreyQueen wrote: »

Makes me realise that cash-users like myself a probably a small minority by now

I'm a cash-user too.

Only time I use a card is on the internet/phone, and even then it's not a Credit or Debit Card.

GreyQueen

alfsmum wrote: »

Hope you enjoyed your lunch GQ

Very much, thank you.

In a life which hasn't involved many fine dining experiences, being treated to a lunch at one of the best restaurants in this city was a notable pleasure. This place gets rave reviews in the national press. By golly, I could get used to the linen tablecloth and premier cru style of living.:rotfl:

Been to archery (and into Sainsbugs for some YS bread) so not getting above my station. Archery was biiiiiiiggggg fun and I've even had a go with an English longbow, in addition to the recurve bows with sights we use.

They're harder but - get this- I was actually a bit better with the longbow. And the arrows are made of cedar, which means that you need never get moths in you quiver (ooo-errr missus).

I love love love archery so much, it makes me beam from ear-to-ear. Plus I managed not to smack the area inside my elbow with the bowstring once so the almost-gone bruise from last week will have time to vanish entirely. Hopefully, that'll be the end of that cack-handed habit.

There are plenty of other bad habits I can get into, though. Like a bar of chocolate which may just have tumbled into my shopping basket at Sainsbugs.................:rotfl:

pumpkinlife

I am increasingly a cash user, as it is easier in most of my local shops. Quite often I take out the monthly food budget on pay day and when it is gone, its gone. Big 'basics' shops are done online with the debit card. Everything else is paid for as it comes, though I'm really not a big spender. I tried to put together my christmas list for DH and after several hours of browsing, I realised I had listed a couple of edible shrubs, a book about fermentation, and a dried pulses taster package from Hodmedod's. Because that's how I roll :cool:

I would much rather have liquidity than 'stuff' at the moment, outside of basic goods like food, loo roll and sock yarn...

COOLTRIKERCHICK

apart from the business account, I try and only keep x amount in my bank account now, its mainly I don't want 'big brother' knowing what, where, when and how much I am buying/spending, and with the what has happened with RBS this weekend, again it just shows how we are so dependant on electronic transactions and stuff... ( I don't bank with RBS).


Its not the first time its happened, and it prob will not be the last

alfsmum

Completely agree about 'stuff'. Dh keeps asking what I'd like for Christmas and it would be easy to hint about a couple of rather expensive kitchen gadgets I've seen but the sensible part of me
says these are wants, not needs, they might be fun but would take up much needed space and come with more bits of paper and warranties to worry about. So my list is empty as yet :rotfl:

We don't need to buy things just cos it's 'that time of year'. Good food in store and a cosy home will be the best present, with time to spend together as a family. That's what we'll remember, not 'stuff'.