Capital Issues
Posted: Fri 30 June, 2017 Filed under: Bankruptcy, Customer Services, Domestic, Finances, Getting Organised, Rebuilding, Thoughts 1 Comment »A couple of months ago, I got a letter from one of my credit cards (well, from the company behind one of my credit cards, to be pedantic/accurate) telling me they wanted to upgrade my credit limit, and if I wanted to accept, drop them a line.
I was OK with that, so I confirmed the upgrade, and it got applied to my account two and a half months ago. (That’s relevant in a minute)
This weekend, I got a text message confirming that my upgrade was being processed. Then on Monday I got a letter, also confirming the same thing.
Now, one of the main things you’re always told by card companies is to get in touch with them if you start getting unexpected letters from them, and particularly when it’s either replacement cards, or stuff about credit limits. Additionally, with my own credit history I’m more aware of these things.
I gave the card company a call yesterday, and it did not go well.
First of all, the person I spoke to seemed to think she was working in a different department, and her first question was “What are you going to offer us?” (I’m assuming she’s usually in debt recovery or something, or dealing with people who are going to say they’re in the shit)
I explained that I had concerns about my credit limit, because…
“Your credit limit is £[x]. Anything else?”
“Yes, I’ve got concerns about the security of my account. As you’ve shown no interest in even listening, let along caring, I’d now like to speak to your manager, please.”
*Huge sigh* “I’ll just look at your account activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, please. And the sigh is not helping things.”
*Pause, and then another huge sigh* “I’ll see what I can do, but I need to check your ID and activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, now, please”
“I’ll see whether I can find someone”
I did eventually get to speak to a manager, who sorted out that there *had* been a problem in the card company’s processes, but there was no evidence that the account was compromised. I also left a complaint about the first person, because their attitude sucked so hugely.
I don’t expect anything else to come of it, but it’s all reported and dealt with, and I’m happy with how things stand, so at least it’s had a fairly positive outcome.
Five
Posted: Fri 5 May, 2017 Filed under: 2016/17, A428, Bankruptcy, Domestic, Driving, Five Year Plan (now Ten), Getting Organised, M1, Milton Keynes, Rebuilding, Single Life, The Future, Thoughts, Travel Leave a comment »Amazingly, I’ve been in the current house for five years today. How time flies when you’re having fun, and all that piss.
As it stands, this is now the longest I’ve been in any one place since I moved out of the parental home. It’s certainly not my “forever” place (whatever the hell that means) but it does suit me for the moment – and even admitting that feels kind of weird.
There are two significant reasons why I’m more settled here than pretty much anywhere else I’ve lived…
- The location. To coin a cliche, it’s easy to get away from (as I’ve said before) with the M1 for North-South travel, and the A421 for East-West, both within easy reach. It gives me plenty of options, and lets me be away from here on a regular basis while still having somewhere that’s easy to come back to. Compared to (for example) living in Norfolk and Suffolk where it was an hour to get out of the damn county – or onto decent dual carriageway – and this is just easy. Because of that, I’m not keeping on thinking about where would suit me better.
- The finances. While I’m doing a lot better now, and could easily fund a move, it’s more about the credit-checking and so on that would go with any new tenancy. At the moment, I’d likely faily it (or at the least it would cause problems) so it’s easier to stay here. That wouldn’t stop me from moving if I really wanted to – but because of Reason One, that’s not currently the case. And without an urgency to it, why cause myself more problems or hassle than I need to?
As things stand, my tenancies expire in November – because the first tenancy was just six months, and then they’ve extended as 12-month ones. The bankruptcy comes off my record in August 2018. Unless things change radically in the meantime, I think I’ll be here ’til then, and from there I’ll see how I go. So the odds are, another 18 months here, and who knows after that?
Replacement Card
Posted: Tue 1 November, 2016 Filed under: Bankruptcy, Business, Customer Services, Cynicism, Domestic, Finances, Getting Organised, Rebuilding 2 Comments »On Friday evening, while I was out for a meal, I paid using the card for one of my Barclays accounts. That transaction, while all went OK, had traits that felt… odd. Wrong. Or at least just Not Quite Right.
So I called the bank straight after, and cancelled the card with immediate effect. That took a bit of explanation, as “I want to cancel the card from right now, no more transactions” apparently still needs discussion, and a whole bit of scripted text from the bank about “With the card cancelled, you won’t be able to use it”. (Well yeah, that’s why I’ve cancelled the cocking thing.) But I assume they’ve had to deal with morons in the past who’ve cancelled the card and then complained they couldn’t use it for something.
Anyway, they told me my replacement card would be sent out as soon as possible, and all that jazz – all fine, I’m just happier knowing that I’ve handled it to the best of my abilities, should that transaction have turned out to be as dodgy as it felt like it could’ve been.
When I got home last night, there was the new card.
And I can’t deny, I’m impressed with that – a card that’s been requested in the late evening (10pm-ish) on a Friday, and is delivered on the Monday? Not bad going at all.
While Barclays have their moments of driving me absolutely crackers – and that’s still going through the Financial Ombudsman, so I assume Barclays are being dicks with the Ombudsman as well – I can’t deny that some of their systems are also pretty bloody good.
[Updated to mention : Having looked back, it turns out it’s not the first time I’ve been impressed by this replacement card system]
ReKindled (Again)
Posted: Wed 19 October, 2016 Filed under: Amazon, Bankruptcy, Customer Services, Cynicism, Domestic, Geeky, Kindle, Reading, Rebuilding, Technology Leave a comment »Just to top off a pretty expensive fortnight, while I was away over the weekend the Kindle broke. As with previous ones, the screen film cracked, so half of it is working and the other half isn’t. In short, fucked.
As it turns out though, I can’t be too annoyed (annoyed, sure, but not too annoyed) as it turns out I’ve had this one just short of three years. Considering that before that I had a spate of broken screens in less than a year, it could’ve lasted a lot less time.
Yes, I’d rather these things were more resilient, were designed to last longer than 18 months.
Anyway, it’ll be interesting to see how things have progressed with Kindles, and whether they’ve improved the ways to reload content onto a new device. It was horrific three years ago, so I’m hoping for improvements, it’s fair to say. (And if that doesn’t happen, I’ve got a backup from the old device – so maybe I’ll just be able to roll that onto the new one.)
We’ll see.
An Expensive Week – finale
Posted: Thu 13 October, 2016 Filed under: 2015/16, Bankruptcy, Domestic, Finances, Five Year Plan (now Ten), Rebuilding, Thoughts Leave a comment »Collecting the new (to me) Kia Ceed yesterday, it made me think again about how much things have changed over the last few years. Back when I had to get the Saab, I was mid-bankruptcy, and the available funds were super-tight. I got lucky with the Saab – very lucky, in fact – and in some ways I needed to get that lucky.
This time round, while things haven’t been perfect, I’ve been able to do much better. I’ve moved a fixed amount from savings to bank account, and worked within that larger-but-not-huge budget to get the Kia. I could’ve taken out more, but didn’t want to drain the savings entirely. I could’ve spent more from the budget, not bothered with the maintenance/parts warranty. I didn’t want to, but I could’ve done. I had options.
I hope that the Kia will last me a couple of years. I’ll spend that time rebuilding savings and so on, and hopefully be in a better place again when it comes times to replace it. By then I should be OK to look at sorting out a finance agreement, rather than paying outright, which will be another step in the rebuilding process.
A lot has changed in the three-and-a-half years I’ve had the Saab. A lot more will change during the expected lifetime of the new one. And that’s nothing but good.
Adding to Savings
Posted: Wed 5 October, 2016 Filed under: 2015/16, 2016/17, Bankruptcy, Change, Domestic, Finances, Five Year Plan (now Ten), Getting Organised, Introspective, Rebuilding, Thoughts Leave a comment »About six weeks ago, I wrote about the changes to my intended savings plans for this year, and how it was affecting things.
Basically, I’d had a plan of how much I wanted to put into my savings account this year, and that hasn’t happened. There’s been a lot of other stuff going on instead, but all the same, it’s been a bit annoying to have not managed that target.
Since then, though, I’ve been adding in to the savings account, and making progress. I won’t get to the original target figure for this year – but putting some in is better than putting none in. So since that first post, I’ve put in the full amounts of a couple of invoices for work I’d done, but also a bit more than 10% of each piece of income has gone straight back out to the savings, so I don’t even really notice it’s gone.
In honesty, that’s what I should’ve been doing all of this year, but I was looking at it from a flawed perspective. (I can’t be bothered to explain that right now, but may do some other time) I’m intending to keep doing the same for the rest of this year, and do the same but with more money next year, and see how we go.