Astounding attitude

AliceBanned

They do move the goalposts these banks. It should be enough to check my file which has been spotless for at least ten years. She couldn’t help making a judgment out of nothing, merely my method for reducing the interest. Then she tells me what Equifax is. 😂. 

John_

AliceBanned said:

They do move the goalposts these banks. It should be enough to check my file which has been spotless for at least ten years. She couldn’t help making a judgment out of nothing, merely my method for reducing the interest. Then she tells me what Equifax is. 😂. 

What do you mean by spotless, though? You seem to have been juggling quite a lot of debt between different facilities for a while now. You yourself may not like to characterise it this way, but you do seem to be struggling to get it paid down very quickly.

AliceBanned

Spotless means I've no defaults or missed payments.  I never said I wasn't struggling or that I was paying it quickly. Have you been in debt? Do you know how difficult it is, slow, etc when also having to cover all day to day things? At least I'm paying it off and I don't consider £600 per month on average slow, I don't consider virtually no holidays or no new clothes for years slow. It feels slow for me, but it's not affecting you so why are you even interested, is it just to take the moral high ground?
Not sure what your experience of debt is John. Presumably extremely minimal.

AliceBanned

I just spent £500 on a new clutch for my car 'slow' so that I could still get to work. I just spent £400 on my elderly parents 'slow' so they could have a break whilst their house had repairs to prevent them living in danger with fire risk. 
Still feeling that I'm struggling only with debt, or is it life in general plus debt?? Get real. We are all a work in progress. 

Takmon

sourcrates said:

Why are you in debt ?

Strange question from a Banking Institution whose entire business model revolves around people borrowing money from them.

The answer is usually because you don`t have sufficient funds yourself, but if you say that to them, you get "so, your in financial trouble then".

I love banks, they throw money at you when you don`t need it, refuse to help when you do.

But surely the OP's experience is exactly what you want banks to do going from what you say in some of your other posts on here. The OP has a plan to pay off their debt and need a bit more credit to help them do that but the bank has treated them like a child that can't be trusted and refused the increase. 

In one post you seem to blaming the banks for lending too much money and that's why people get in debt and now you seem to be complaining that they are asking silly questions and not helping the OP with more credit. You can't have it both ways.

gettingtheresometime

My favourite was when I phoned up asking for my limit to be reduced from say £2500 to £1600 even though I had a balance of say £800 and it was initially refused.
When I asked for a explanation for that piece of logic, I was put on hold and then surprise surprise it was agreed to.

I know this probably isn't the case but could it be that the bank thought you wanted the higher increase so you could do the transfer and then rack up more debt on the now cleared card?

Harlequinn87

Had a similar situation with HSBC last week while trying to pay the full balance off - question after question about how i got into debt then pushed for me to just make the minimum payments and set up a direct debit even though i said like 5 times i have the full amount here ready to pay it off and close it!  Then pushed for me not to close the account and they could up the limit (NOOO!) Then after all that they refused to take the full payment over the phone so i had to set up a faster payment through my bank .. not sure why they make it so difficult!

DiamondLil

Harlequinn87 said:

 not sure why they make it so difficult!

Because while you owe them, they own you.