daily chat thread 7th Jan

immoral_angeluk

angelflower wrote: »

try again ia...can only get in if i put a link to my facebook page

WOW!!! I want to live where you are...

taka

Now thats proper snow :rotfl:

MissKJ

Afternoon all. I have been shopping with all the left over gift vouchers we have had in the house, plus some new ones from Christmas. It was most enjoyable (no snow here). I bought a lovely but very sensible handbag,:D as i found an unpaid bill in the bottom of my scruffy bag,:mad: and now I have to re-jig my accounts. Hopefully will keep new bag tidy and things in right places!!

Then got cross when i got home. letter from Halifax creditcard. Have rang and paid them this morning for a missed payment on 28th December, first missed payment to them ever. They have written to say they have reduced my credit limit without warning from £15,000 to £6750, less than half, and stopped my card. How dare they :mad: :mad: :mad: . One missed payment, ONE. And i have paid it. As it happens, i don't want the card, i am paying it off on 1st february, so i have ust done my letter ready, it goes like this

I received a letter last month dated 3rd January 2008, regarding a missing payment to my credit card on 28th December 2007. Having paid my credit card bills by direct debit for some years, and never having missed a payment before, I find your reaction to this disappointing to say the least. You have reduced my credit limit without warning and by a substantial sum. Fortunately, I never asked for the inflated limit that you provided me with, nor do I want it or need it. However, I can only feel sadness for the lack of understanding you clearly show your customers at a time of year when people are most likely to poorly manage their finances.

In response to your excessive actions to my missed payment, I am repaying my account in full, and closing the account permanently. Please remove my details from your mailing lists and telephone marketing, as I no longer wish to be contacted by Halifax in relation to credit cards services.

Yours sincerely


Does that sound harsh? I want it to be harsh!!!

angelflower_2

immoral_angeluk wrote: »

WOW!!! I want to live where you are...

lol, doesnt look like a dodgy council estate does it?

angelflower_2

MissKJ wrote: »

Afternoon all. I have been shopping with all the left over gift vouchers we have had in the house, plus some new ones from Christmas. It was most enjoyable (no snow here). I bought a lovely but very sensible handbag,:D as i found an unpaid bill in the bottom of my scruffy bag,:mad: and now I have to re-jig my accounts. Hopefully will keep new bag tidy and things in right places!!

Then got cross when i got home. letter from Halifax creditcard. Have rang and paid them this morning for a missed payment on 28th December, first missed payment to them ever. They have written to say they have reduced my credit limit without warning from £15,000 to £6750, less than half, and stopped my card. How dare they :mad: :mad: :mad: . One missed payment, ONE. And i have paid it. As it happens, i don't want the card, i am paying it off on 1st february, so i have ust done my letter ready, it goes like this

I received a letter last month dated 3rd January 2008, regarding a missing payment to my credit card on 28th December 2007. Having paid my credit card bills by direct debit for some years, and never having missed a payment before, I find your reaction to this disappointing to say the least. You have reduced my credit limit without warning and by a substantial sum. Fortunately, I never asked for the inflated limit that you provided me with, nor do I want it or need it. However, I can only feel sadness for the lack of understanding you clearly show your customers at a time of year when people are most likely to poorly manage their finances.

In response to your excessive actions to my missed payment, I am repaying my account in full, and closing the account permanently. Please remove my details from your mailing lists and telephone marketing, as I no longer wish to be contacted by Halifax in relation to credit cards services.

Yours sincerely


Does that sound harsh? I want it to be harsh!!!

Sounds great - will it cause you any problems moving the debt though?

Sorry - just re-read the post. Well done you for paying it off and its certainly put them in their place.

Lucy1982_2

MissKJ wrote: »

I received a letter last month dated 3rd January 2008, regarding a missing payment to my credit card on 28th December 2007. Having paid my credit card bills by direct debit for some years, and never having missed a payment before, I find your reaction to this disappointing to say the least. You have reduced my credit limit without warning and by a substantial sum. Fortunately, I never asked for the inflated limit that you provided me with, nor do I want it or need it. However, I can only feel sadness for the lack of understanding you clearly show your customers at a time of year when people are most likely to poorly manage their finances.

In response to your excessive actions to my missed payment, I am repaying my account in full, and closing the account permanently. Please remove my details from your mailing lists and telephone marketing, as I no longer wish to be contacted by Halifax in relation to credit cards services.

Yours sincerely


Does that sound harsh? I want it to be harsh!!!

That sounds good!! How come i can never manage to put things across like that! You tell 'em!

MissKJ

No problems with the debt, they have the highest interest rates any way,I was planning to get rid of that one first. (goes off to find stamp for envelope with a determined grin).

Seriously though, I know they are entitled to do this, and it is my fault, but it is a bit over the top. Some people who are working their way out of debt would be totally left dangling if they did it to them and they had used the cash to pay off a higher debt. The credt card companies are getting wobbly I think because of all the talk of bad credit. But their response to me is not the right answer.

Burlesque_Babe

Toto wrote: »

Hey Keren, I've got a brand new in the box netgear wgt624 which I bought when I was changing my router only 2 arrived I tried to call the company but they seem to think they've only sent one, I thought it was too cheeky to send it back for a refund. Anyway, I'm on virgin too and it works a treat, you're welcome to it if you want it.

oooooooooooooh Toto, you are fantastic............yes please.......I'll PM you my address - let me know how much you think the postage will be.

:A :A :A - you are lots of these.

angelflower_2

i agree but just goes to show how worried the credit agencies are about changes in market place! Really worried about how on earth i will be able to remortgage in 2009 when fixed rated comes to an end (if i get to keep the house)

Sorry for stalking the boards today btw...so BORED!!!

An advert came on tv there for the JML Nicerslicer and i really fancied one till I saw the price £29.99!! My knife will do just fine

taka

angelflower wrote: »

Sorry for stalking the boards today btw...so BORED!!!

Me too but I've started back to work today ... I'm currently avoiding defrosting a freezer and cataloguing it... remind me why I went to uni for this job?? :think:

Actually just delaying it till tomorrow as 2 silly collegues have volunteered to help me :rotfl: :rotfl: Mind you helping me will prob the only way they'll find anything they need for the next few years :rotfl::rotfl: