I have been credit crunched!

hmmmm lets all phone Pip and pretend we are from a bank and try to sell him something ;p

Don't tie yourself with one bank get a Barclaycard or one of the others that are not supplied by HSBC.

I moved Mal away from those twats at Barclay.

I can't be arsed with multiple cards though.

I can't be arsed with multiple cards though.

Then don't complain when one gets locked down ;p

I am allowed to complain.

Look, I'll do it again.

I shouldn't have to visit multiple establishments to secure a working fucking credit card. Those twatarsecunts in the banks should have developed shit so that I don't get my card cloned. I have a credit card #, a fucking CCV # and now fucking Mastercard SecureCodeTwatox password or some shit and yet they still insist on cancelling my card when NOTHING has been defrauded.

Let's just say again. All banks are shit. Some are less shit than others. Sort it out fuckos.

go back to shoe boxes and notes... it's the only way

Do i go into starbucks and pay extra for the woman to heat the milk, a little more for the cup and some extra for milk!

Yes, that's why it's more expensive than making it home

No it isn't i don't skimp on my beans

All I see is skinny jeans

yeah - portable property FTW.

Do i go into starbucks and pay extra for the woman to heat the milk, a little more for the cup and some extra for milk! why buy a dog and bark your fucking self..

Allegory fail. Buying coffee at Starbucks is like buying a dog and hoping for it to meow.

Nationwide will give you £75 if you sign up for their account at the moment, I think they're still a building society (more ethical) and they're the best for not ripping you off when you take money out abroad.

First Direct will give you £100, they are owned by HSBC (boo) and don't pay interest but have UK based call centres and a lot of their customers are very happy with the service they offer.

If Metro bank ever gets going you might want to consider them if convenience/customer service is your priority. They reckon they can set your account up and issue you with a debit card and everything else in half an hour.

Let's just say again. All banks are shit. Some are less shit than others. Sort it out fuckos.

It says subject to applicable law, therefore if any of the terms are unfair they are invalid.

Basically they can put what they like, if I think their terms are unfair and a court agrees with me I'm free to ignore their terms.

I have had a victory using this act before actually.

"We may change the terms of, or add new terms to, the Cardmember Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law."

taken direct from from Amex T&Cs on their site.

Is anyone with santander? i've been looking to change from rbs due to the lack of any branches, and generally shit service... unless they are trying to sell you a loan

It says subject to applicable law, therefore if any of the terms are unfair they are invalid.

Basically they can put what they like, if I think their terms are unfair and a court agrees with me I'm free to ignore their terms.

I have had a victory using this act before actually.

If you appeal and if the court agrees.

Anyway what I said is true, they can change their conditions whenever they want. That's the point I was making. Removing a 'deal' is hardly going to be considered unfair unless say you had 50000 points and they just nulled them with no notice or something.

They can change their T&Cs at any time but have to give you notice.

It's interesting they are still offering cash-back and reward cards to new customers.

It's interesting they are still offering cash-back and reward cards to new customers.

Yeah funny that. They informed me today that the promotion was withdrawn because I was classed as a high risk customer????? I ask them how they made the assessment but he said the information was not available for him to access?

Since I have had the card I have always paid the full bill before the due date and have been given quite a substantial credit limit, so I can't understand my status.

Since I have had the card I have always paid the full bill before the due date and have been given quite a substantial credit limit, so I can't understand my status.

You are classed "high risk" as you are in the high risk group that manages their finances, pays on time and most probably never go overdrawn. Banks want people to be in debt.

Anyone else find that HSBC shut down their credit cards randomly every 6 months after detecting 'fraud' that's never actually fraud? I'm getting fucking sick of this. Now Mal has had her credit card killed in the same week while we're trying to furnish the flat. I can't even call the stupid cunts because they're all in bed. The poor bastard on the phone tomorrow is gonna wish he worked for fucking Lloyds..

kerbside collection FTW.....

Freecycle baby. Except her brother has had his volve station wagon downgraded to some small thing so we're fucked in terms of furniture moving. :(

Looks like we'll have to use a minicab to shift stuff to the new place. :(

Streetcar? They do vans. Or I know a van hire place that do one for £30 a day.

True, I think we got a bit confused, but my point was you can reject changes to conditions, sometimes. But that's far from guaranteed too unfortunately.

If you appeal and if the court agrees.

Anyway what I said is true, they can change their conditions whenever they want. That's the point I was making. Removing a 'deal' is hardly going to be considered unfair unless say you had 50000 points and they just nulled them with no notice or something.

It's interesting they are still offering cash-back and reward cards to new customers.