Happy Bunny UE diary

[SA Gold]

Re: Happy Bunny UE diary

You cant tell me banks dont see it. Their ideal customer is someone who is on the treadmill of just paying interest never paying any capitol.

That's exactly it. I signed up for a Granite card which is great for rebuilding my rating but its quite clear they don't want you:

Paying the full amount each month.
Egg you on by texting to advise how much you have available to spend all the time!

It sends a shiver down my spine to think of how people's accounts would be racked up by their crazy interest rates when you don't pay in full

[The Tech Clerk]

Re: Happy Bunny UE diary

They do see it, they just put your interest rates up instead of helping!

HB

Exactly.

Not only that, they suggest you contact them to agree payments when you are making payments to your account whilst active especially Current accounts.

[happy_bunny]

Re: Happy Bunny UE diary

They do see it, they just put your interest rates up instead of helping!

HB

[ken100464]

Re: Happy Bunny UE diary

Thats the sad thing that the banks dont get.

Treat us fair and most of us wouldnt be here reading and posting. We would be paying like happy bunnies. Excuse the term not meaning you.

When we get into difficulties why dont they block usage, rate jack down and lower our limit and manage us out of a debt spiral. All of these things if done properly could give them the money back and stop all the horror stories you read on forums.

Oh yes that wouldnt make so much money would it so everything they do is just a fig leaf to pretend how nice they are.

Doing detailed work on our cards for reclaims and PPI and if put onto spreadsheets the signs of financial distress are obvious. In our case it was 2 years before we admitted it. By that time the mess was too much to solve. It was very illuminating seeing the accounts going pear shaped and less and less usage on them.

You cant tell me banks dont see it. Their ideal customer is someone who is on the treadmill of just paying interest never paying any capitol.

[happy_bunny]

Re: Happy Bunny UE diary

Hi all

Few things I don't fancy paying due to being treated like crap. Did borrow too much, don't give a stuff about credit rating as don't need or want any ever again.

1. Cahoot flexi loan.
Have a thread to see UE status.
Rate jacked as everyone else. Bit of a refund after complaining. Interest rate still piss taking.
Not yet defaulted. Just a matter of time.
Opened: Early 2000s
Balance: 5K+

2. Catalogue debt from 199x. As UE as they come. Been paying Capquest due to morals. Offered full and final of 30%. Paid several hundred already. Just received a threat of legal action letter to date and no response to full and final offer. Responded with a copy of the we don't have your agreement letter. Crack on...
Account defaulted.
Opened: Early 90s
Balance: 2.5k

3. RBS/triton. Well covered on my other thread. Account defaulted.
Opened: Early mid 90s?
Balance: 10k

4. A&L card. Rate jacked again before not allowed. Admit to having no CCA. Refuse to lower rate. Do one. Account defaulted.
Opened: Early 2000s
Balance: 5K

5. Marbles card. Rate jacked again. Decent refund thanks to Fobbing Off Service, surprisingly. Reduced APR but they still took the piss.
Defaulted.
No CCA. I asked. So UE.
Opened: Early 2000s
Balance: 5K

6 Cahoot card. Will be asking Niddy to check CCA soon. As its owned now by Satander.
Payments up to date.
Opened: Early 2000s
Balance: 5K

7. Egg loan.
Account defaulted. With Moorgate still who Egg sold it to. Still paying something each month.
Opened: 2005
Balance: 4k

As you can guess, mostly old accounts. Have some new ones not taking the piss and post 2007 so happy to pay those.

Thanks for listening. .

HB

[PlanB]

Re: Happy Bunny UE diary

The last one

At least I had a 50% chance of getting it right, Sir

[happy_bunny]

Re: Happy Bunny UE diary

The last one

[PlanB]

Re: Happy Bunny UE diary

Had enough of being treated like crap by banks and being rate jacked before they were stopped.

You and me both *


* I had no idea which smiley to post

[happy_bunny]

Hi

Posting this as suggested by Niddy.

Will be emailing him a few CCAs to check soon. Logged in separate threads.

Had enough of being treated like crap by banks and being rate jacked before they were stopped. I know I borrowed the money but they ave abused the rate situation.

Need to save money at the minute so finding out what is enforceable and what isn't.

Thanks

HB