On Fri, 17 Nov 2023 13:03:02 +0000, "J. P. Gilliver" <
G6...@255soft.uk>
scrawled in the dust...
>In message <
hdqalilh4uv4g33hj...@4ax.com> at Thu, 16 Nov
>2023 01:09:28, Penny <
sp...@labyrinth.freeuk.com> writes
>[]
>>I've had two credit cards for years (and have always paid them off in full
>>when billed). Not because I live on credit, but the newer one had a good
>>cash-back offer (and still does) so I've mostly not used the other one for
>>ages, but was pleased it was there in case of theft of the newer one.
>>
>>I had a letter from the older credit card recently to say they would not be
>>renewing my card in December. The bulk of the message implied I was in
>>arrears with payments and they would pass the debt to a collection agency.
>
>When I took out my co-op one, it was because (at that time, many years
>ago) a lot - including Barclaycard, which I had (I can still remember
>the - only 13 digit! - number) - were introducing an annual charge, and
>they promised none for life - but you had to _use_ it (some minimal
>amount, like 12 quid a year, which I had no problem with). Your older
>card didn't have something similar did it, which you've fallen foul of
>by not using it?
If that were the case, they would surely have billed me by now, or just
'plundered my bank account' (as my father called Direct Debit) for the
money.
>>I feel thoroughly affronted but frankly can't be bothered to complain,
>>although I do wonder if this would prevent me having a new card from them
>>in the future.
>
>I would, as it might affect your credit rating in general, not just with
>them.
Hm, maybe I will, if I can summon up the energy (and buy a valid stamp).
>If they don't sort it out without problem (assuming the above minimum
>use/charge isn't what's happened), then on the second or third
>communication, ask for some compensation (in your case, for the libel!).
I don't really see there is a problem to sort, apart, perhaps, an apology.
>IM recent E, companies not infrequently give you some. May be only a
>fiver or tenner, so not worth the hassle for that alone, but if you're
>corresponding (including calling), nothing to lose by asking! (I did get
>one of 50 sometime in the last decade, but that's rare! I think that
>might have been from British Gas.)
Huh, you did well to get anything out of them - they were early members of
my 'never again' list.
I recently purchased some cleaning products from a misleading advert on
Facebook (I really must install FBP on the browser so I don't see these
things). The product came with two guarantees - 2 day delivery or your
money back, and, return for refund if you are not happy after 100 days. I
got a surprisingly swift refund when the items took 3 and 5 days to arrive.
I haven't bothered with the refund for the disappointing results, it
doesn't feel fair to get paid for not liking the product.