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[scimmy_man]

I use one, but clear it each month.

[aaronjb]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

Not me Cem
I don't believe in them. If i can't pay for something myself then i don't have it

Just because you're using a credit card, doesn't mean you're not paying it off every month (thus, paying for it yourself)

They have a plethora of other advantages, like complete buyer protection.

[waspy]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

Not me Cem
I don't believe in them. If i can't pay for something myself then i don't have it

Just because you're using a credit card, doesn't mean you're not paying it off every month (thus, paying for it yourself)

They have a plethora of other advantages, like complete buyer protection.

I know all that. I just don't want/need one

[cem_devecioglu]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

Not me Cem
I don't believe in them. If i can't pay for something myself then i don't have it

Just because you're using a credit card, doesn't mean you're not paying it off every month (thus, paying for it yourself)

They have a plethora of other advantages, like complete buyer protection.

and they can watch your every step and payments

and give you extra bonuses to force you to spend more

[unclelicklug]

Going back to the OP I have had a few run ins with Santander (my wife too), but in each case I have made sure to push on until I get offered compensation - you may have to fill in forms etc and wait but it is some sort of satisfaction.

I'd prefer not to have the aggro but if I have to go through it then I will make sure it costs them....

And in general never lose your temper no matter how fed up you are, just take notes about every part of your case, conversations etc to use when the time comes to bite the b*st*rds back.

[Richie London]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

i was offered an american express blue while working in a shopping centre. they even gave me 5k to spend. so i did then cut it in half. that was in 2001. they stopped writing to me after about 3 months. they win some, they lose some

[cem_devecioglu]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

i was offered an american express blue while working in a shopping centre. they even gave me 5k to spend. so i did then cut it in half. that was in 2001. they stopped writing to me after about 3 months. they win some, they lose some

 

[Omegatoy]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

Not me Cem
I don't believe in them. If i can't pay for something myself then i don't have it

Hmm ive used a credit card in my life, get sent plenty of them then a year or two later they send me a nice letter saying we notice you are not using your card can you tell us why?
always reply and say because of the interest charges,  :(letter comes back saying if you pay at the end of the month then there are no charges? so i write back and say that i keep it for emergencies only, they then dont renew it!! lol

[Martin_1962]

Aren't banks great?

I got nobbled by Tesco Credit Cards last month for £25 or so I think for non-payment.. which happened because I made a payment too early and it ended up being taken off the previous months bill rather than last months - so I had two payments in July, and none in August IYSWIM 

Tesco are s**t I did similar and got into deep doodoo including black listing for credit.

No cards here now

[Terbs]

Aren't banks great?

I got nobbled by Tesco Credit Cards last month for £25 or so I think for non-payment.. which happened because I made a payment too early and it ended up being taken off the previous months bill rather than last months - so I had two payments in July, and none in August IYSWIM 

I had exactly the same problem with Nationwide back in the days when I had a Mortgage.
Two payments in one month do not count as a regular payment...
example....paid January payment and February payment on Feb 1st....had a letter saying I was in default for January and had paid March a month early.
And get this....beacause we always paid over the top when this was taken from the Jan payment it left £80 to pay. But the accompanying letter threatened repossesion !!!!!! although we only had £1000 left on the mortgage.
Ensuing blowup had the person on the other end agreeing with me and saying I should never have been sent a letter like that....and she would pass my comments on to her manager.
So its not just credit card companies

[Seth]

if you are using any credit card (deffo all of us, I dont expect any exception) "there is no way out" (from the film)

you are in their hands..

Not me Cem
I don't believe in them. If i can't pay for something myself then i don't have it

Same here mateys!

[Kevin Wood]

Paying for something with money you don't have is one thing. I wouldn't buy anything online without a credit card, though.

I have just spent £109 with an online retailer who didn't deliver the goods and, after a little investigation, appears no longer to be solvent. One phone call to my credit card issuer and the money's back.

Pay it off every month and it's free. You get quite a lot for your money then, IMHO.

Kevin

[Terbs]

Paying for something with money you don't have is one thing. I wouldn't buy anything online without a credit card, though.

I have just spent £109 with an online retailer who didn't deliver the goods and, after a little investigation, appears no longer to be solvent. One phone call to my credit card issuer and the money's back.

Pay it off every month and it's free. You get quite a lot for your money then, IMHO.
Kevin

Thats how it works here, too

[Lizzie_Zoom]

just been checking my account for the month and it appears i made a payment on the 23rd aug for £52. that payment left me 27p overdrawn so the bank have charged me for this, £25 for unauthorised overdraft and £35 charges on top. i was back in credit 2 days later. first i blew off at a man in india, then a supervisor in manchester then a manager in belfast. now the charges are being dropped on condition i do not report them to the banking ombudsman. thieving robbing b*****ds

They were doing that years ago when they were the Abbey National Richie.

They dropped a few charges, but it didn't stop me taking legal action myself against them!  Worked a treat, with me even commencing a small claims court action; they reimbursed me with £2,000 that they had 'stolen' from me.

They didn't want to appear in court and defend their illegal actions, and so paid out on my claim!! 8-) 8-)

[omegod]

Can't stand banks and have happily took several of the big names to the cleaners for family and friends, bank charge reclaims, mis-sold payment protection insurance and the like. Each one has included interest paid to the claimant at their highest rate

Must be about 20 grand by now