LLOYDS TSB BACS derails my big purchase.....

agrinnall

MasterPoo wrote: »

Simple answer is Credit card, and the point you are trying to make is what exactly, when I have stated I do not purchase anything on credit as I pay for everything cash?

The point is, if you weren't so unreasonably dogmatic about paying cash for everything you could have had a credit card and made your purchase as planned - and as a bonus, with the right card you could have had cashback on the purchase too.

MasterPoo

Meer - Kitchen, on Sale, sale ends tomorrow.

I'd rather be dogmatic than live on credit/use credit cards!

MasterPoo

jonesMUFCforever wrote: »

I know but you are blaming Lloyds Bank when you have no proof that they are to blame.

I realise that, the only information I have is the word of my client. I just can't wrap my head around the WHY would they make up BS?!?!?!? Anything is possible I guess.

Archi_Bald

MasterPoo wrote: »

I'd rather be dogmatic than live on credit/use credit cards!

Using credit cards responsibly is a far cry from living on credit. You are missing the whole big world of 0% credit cards and cashback and airmiles and other reward credit cards.

Just as you send an invoice to your client once a month, a credit card company sends you a bill once a month. Just like your client pays you once a month, you can pay the credit card once a month. No charges need to be involved.

MasterPoo

Archi_Bald wrote: »

Using credit cards responsibly is a far cry from living on credit. You are missing the whole big world of 0% credit cards and cashback and airmiles and other reward credit cards.

Just as you send an invoice to your client once a month, a credit card company sends you a bill once a month. Just like your client pays you once a month, you can pay the credit card once a month. No charges need to be involved.

I get your point, but I just DO NOT want any form of credit. The only credit I have is my mortgage, and I'd like to keep it that way. If I can't afford it/buy it cash, I don't buy it, with the exception of my mortgage of course.

jonesMUFCforever

MasterPoo wrote: »

I realise that, the only information I have is the word of my client. I just can't wrap my head around the WHY would they make up BS?!?!?!? Anything is possible I guess.

Because they have co*ked up and are telling you porkies.;)

Dobbibill

Joe_Bloggs wrote: »

There should be an easily accessible place to see if your bank is up or down for maintenance. Quite often MSE is the place.
I did find this about Lloyds.

https://www.lloydsbankcommercial.com/servicemessage/

This gist is Online payments are out of order for:-
Start Date Start Time End Date End Time
Fri 07 Nov 18:00 Sun 09 Nov 01:00
J_B.

Have you checked out this link from Joe Bloggs? It says 'reminder' and is dated 3rd November which was Monday. Your company had prior warning!!!

Armorica

Dobbibill wrote: »

Have you checked out this link from Joe Bloggs? It says 'reminder' and is dated 3rd November which was Monday. Your company had prior warning!!!

And is highly unlikely to be relevant. The outage is Friday pm to Sunday. The file in question was meant to be submitted on Weds.

Dobbibill

Armorica wrote: »

And is highly unlikely to be relevant. The outage is Friday pm to Sunday. The file in question was meant to be submitted on Weds.

Point being - told on Monday to make payment on Tuesday (A DAY BEFORE WEDNESDAY) having the knowledge there was a planned outage of the system for Friday

Client had the information to amend the payment within the timescales needed for all contractors to receive their funds ON TIME

meer53

MasterPoo wrote: »

Meer - Kitchen, on Sale, sale ends tomorrow.

I'd rather be dogmatic than live on credit/use credit cards!

Wow, buying a kitchen with cash is, in my opinion, a HUGE mistake. No protection AT ALL for when things go tits up.