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Author Topic: Unhappy Thread  (Read 55630 times)

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Offline Ian Bowden

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Re: Unhappy Thread
« Reply #900 on: October 22, 2017, 01:03:28 am »
For some perverted reason your credit rating increases when you have more debt.

Offline thebrighton

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Re: Unhappy Thread
« Reply #901 on: October 22, 2017, 10:02:49 am »
For some perverted reason your credit rating increases when you have more debt.
Oh yes, years working for Lloyds in a past life taught me that. I used to have a top notch credit rating but since I paid off my mortgage and now don't owe a penny to anyone it's quite rapidly falling. The way the system works is that if someone is lending you money and you're paying it back no problem you are obviously a good risk. The system can't comprehend that you don't need to borrow money so assumes you're not as no one will lend to you so you are obviously a poor credit risk.

Offline newportnobby

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Re: Unhappy Thread
« Reply #902 on: October 22, 2017, 10:21:23 am »
It's why lots of people got into trouble. If you struggled to pay off an existing credit bill all the banks did was extend your credit limit. Not that I have ever struggled, but at one stage my credit limit was £10500.
I told the bank not to be so  :censored: stupid and reduce it to a max of £500 ::)

Online Bealman

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Re: Unhappy Thread
« Reply #903 on: October 22, 2017, 10:27:04 am »
I have a credit limit of $29000 on a card, which tried to cancel, and I got someone who had a basic grasp of English trying to talk me out of it.
Vision over visibility. Bono, U2.

Offline Lindi

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Re: Unhappy Thread
« Reply #904 on: October 22, 2017, 10:57:50 am »
I have a credit limit of $29000 on a card, which tried to cancel, and I got someone who had a basic grasp of English trying to talk me out of it.

And they was just doing there job. When you try to cancel anything with a bank or utility company they have staff trained to try to stop you from leaving.

and I got someone who had a basic grasp of English


What's has that got to do with it unless you are implying they were not good enough to do there job (the company that employed them thought that they was).

Offline Lindi

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Re: Unhappy Thread
« Reply #905 on: October 22, 2017, 11:00:46 am »
It's why lots of people got into trouble. If you struggled to pay off an existing credit bill all the banks did was extend your credit limit.

Banks would only extend the credit limit if you are making regular payments. 

Online daffy

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Re: Unhappy Thread
« Reply #906 on: October 22, 2017, 11:11:59 am »
It's why lots of people got into trouble. If you struggled to pay off an existing credit bill all the banks did was extend your credit limit.

Banks would only extend the credit limit if you are making regular payments.

Quite true, but when that regular payment, from some, is the bare minimum because that's all they can afford, then as far as I'm concerned to increase the credit limit of someone in that position, as I know they have done, is morally reprehensible and financially irresponsible.
Mike

Sufferin' succotash!

Offline Lindi

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Re: Unhappy Thread
« Reply #907 on: October 22, 2017, 11:39:50 am »
It's why lots of people got into trouble. If you struggled to pay off an existing credit bill all the banks did was extend your credit limit.

Banks would only extend the credit limit if you are making regular payments.

Quite true, but when that regular payment, from some, is the bare minimum because that's all they can afford, then as far as I'm concerned to increase the credit limit of someone in that position, as I know they have done, is morally reprehensible and financially irresponsible.

Just because credit is available doesn't mean the card holder has to spend it. My parents taught me that up that you had to save for something before you bought it and as a result I've never paid any interest on a credit card (I only have one because the bank gives me cashback for using it) and the only item I have borrowed money for is to buy a house.

Banks are partly to blame for people getting into debt that they cannot afford to pay back, but responsibility should also be with the person involved in spending the money.

Online port perran

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Re: Unhappy Thread
« Reply #908 on: October 22, 2017, 11:45:39 am »
Grrr.
Caught the train yesterday from Redruth to Bristol and return to watch the football. A trip I make 5 or 6 times a season with Cross Country trains.
The up trip was fine (if a little crowded).
Coming home however. First confusion for all at Temple Meads where the train was shown as foe Exeter (not the booked Penzance). No platform announcements other than this is the 17.43 to Exeter.
It was only after the train left that it was announced that the train would indeed terminate at Exeter (due to a member of staff being unavailable),
We all had to disembark and wait one hour for the next service.
On questioning the train manager it be ame apparent that it was the new train manager (Exeter to Penzance who was unavailable).
The coyager then continued to Penzance empty.
Ok probably couldnít be helped but the staff at Temple Meads were of no help and didnít seem aware of the problem at all.
Not good PR. Itís not too bad for those of us who know a bit about railways but the general public on the platform were obviously very confised and anxious.
Anyway, as luck would have it I eventulaay arrived 64 mins late at Redruth so a compensation claim is on its way to Cross Country.
It's you railway so build it as you want and run whatever you like. The only rule is - ENJOY :
My Layouts -
Port Perran:- Trepol Bay:-

Offline railsquid

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Re: Unhappy Thread
« Reply #909 on: November 22, 2017, 03:16:50 pm »
Gah, after finally training my parents not to CC: their entire address books when forwarding "funnies", my mother has gone and done it again, and I bet half the recipient list are running unpatched Windows XP.

Farewell current primary personal email address, it was nice knowing you.
"Eigatani Tetsudo" - Japanese and other trains (planning), featuring:

Offline newportnobby

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Re: Unhappy Thread
« Reply #910 on: November 22, 2017, 03:46:32 pm »
I feel your pain, Squiddy.
My mother uses an iPad and I have shown her time after time how to strip all other addresses out but still she forwards any mails I send her to her friends with my mail address on display, and any I get from her always have every pensioners' mail addresses in the UK and beyond, I swear :doh:
I suppose I ought to be glad at her age she is using her tablet as well as taking them but it is most frustrating as, somewhere, she has a piece of paper where I wrote the process down.

Offline railsquid

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Re: Unhappy Thread
« Reply #911 on: November 23, 2017, 03:09:23 pm »
I feel your pain, Squiddy.
My mother uses an iPad and I have shown her time after time how to strip all other addresses out but still she forwards any mails I send her to her friends with my mail address on display, and any I get from her always have every pensioners' mail addresses in the UK and beyond, I swear :doh:
I suppose I ought to be glad at her age she is using her tablet as well as taking them but it is most frustrating as, somewhere, she has a piece of paper where I wrote the process down.

On the plus side, I did persuade my parents to make the switch to Macs a while back, and since then I no longer spend any significant time fending off support requests and those I do get I have a reasonable chance of answering ("yes I do work in IT, but the last time I used Windows on a daily basis was when NT was still a thing").
"Eigatani Tetsudo" - Japanese and other trains (planning), featuring:

Offline Lawrence

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Re: Unhappy Thread
« Reply #912 on: November 24, 2017, 08:35:40 am »
I feel your pain, Squiddy.
My mother uses an iPad and I have shown her time after time how to strip all other addresses out but still she forwards any mails I send her to her friends with my mail address on display, and any I get from her always have every pensioners' mail addresses in the UK and beyond, I swear :doh:
I suppose I ought to be glad at her age she is using her tablet as well as taking them but it is most frustrating as, somewhere, she has a piece of paper where I wrote the process down.

On the plus side, I did persuade my parents to make the switch to Macs a while back, and since then I no longer spend any significant time fending off support requests and those I do get I have a reasonable chance of answering ("yes I do work in IT, but the last time I used Windows on a daily basis was when NT was still a thing").

Fortunately, mother never switches her PC on these days and contents herself with her ipad, which she royally screws up frequently, she has learned not to forward her 'funny' emails from her friends to me which is a blessing  ::)

Offline stevewalker

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Re: Unhappy Thread
« Reply #913 on: November 28, 2017, 12:44:21 pm »
I paid my first visit to Warley on Saturday and while there picked up a Dapol Britannia for £60 on the Dapol stand :) My first Dapol, as my other locos are Graham Farish.

I was unable to test it while there, as my train home was due. I got home and found it was faulty :( It is very noisy, grinds and rattles even more loudly every few seconds, appears to have a tight spot once per revolution and derails if the grinding happens while crossing points or even on curves in reverse.

Apparently common with these locos.

It is now on its way to DCC Supplies.

Not a good start to Dapol ownership!

Offline Yet_Another

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Re: Unhappy Thread
« Reply #914 on: November 29, 2017, 06:33:31 pm »
Just cancelled my preorder for the Graham Farish class 40 with sound. An emergency replacement alternator for the car has put paid to that. :'(
Tony

'Things are not done by those who count the cost of every thought or deed.'

 

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