[foot-loose]

Oh, and another thing, if you talk to someone on the phone and they sound like they don't know what they are talking about, chances are they don't. Thank them very much for their time, be as nice as you can (don't shout, or they will leave notes on your account warning others) then phone back and talk to someone who might know their job better. Or care more.

I had a problem with someone at Egg recently who assured me that what she was saying was correct when I knew it wasn't possible for it to be correct. I phoned them back and spoke to someone else who did a bit more digging and found the problem. Had I left it based on what the first person had said, it would have caused me at least another weeks worth of problems and probably extra interest charges that could be avoided.

[ladbroke]

On the whole I'm pretty useless with money, and my Mrs wants to take control of my finances. She doesn't miss a thing and will quite happily argue over the smallest of things with banks and shops. This could be a very bad move letting her have that amount of control. I'm quite happy paying money in the joint account for bills etc and then wasting everything else on pointless electronic equipment, beer and cigarettes. She'd be ticking receipts off against the bank statements and all sorts. I don't even keep receipts......

[Bruvva]

On the whole I'm pretty useless with money, and my Mrs wants to take control of my finances. She doesn't miss a thing and will quite happily argue over the smallest of things with banks and shops. This could be a very bad move letting her have that amount of control. I'm quite happy paying money in the joint account for bills etc and then wasting everything else on pointless electronic equipment, beer and cigarettes. She'd be ticking receipts off against the bank statements and all sorts. I don't even keep receipts......

Bad plan - don't let her do it. You'll end up having to explain what those switch transactions with "Spearmint Rhino" on them are all about and that could be tricky. A bit like a friend of a friend who went out to watch to football once and decided to make a night of it, he woke up in a doorway in Farringdon with £800 worth of "venus vouchers" on him. After checking his account later, he'd burned through £1500 in a strip joint. I'd have paid good cash to see that conversation with his wife.

[ladbroke]

I mean, where would you swipe your switch card at Spearmint Rhino?! £1500, I'd have to explain any purchases over 75p!

[MK Chris]

they will leave notes on your account warning others

It's also within your rights to request any notes that have been written about you by any organisation, they have to do it (although I think they can charge for the privilege.)

[Boboff]

This made me smile, on the facebook site for Moyles, boy, those lot are really grumpy bastard geeks.

You bothered trawling through my "friends"? Hope that was an interesting 3 minutes of your existence.

But "Wylde" (sic) was playing with the farce conventions, seeing how far he could push things (not as far as he could with the novel form, of course), and it still stands up today. Would you call Joe Orton's work simply "farce"?

We're getting dangerously close to having Moyles and Wilde in the same sentence. Ironic, when you think about it: Wilde is emminently quotable whereas not one person has been able to offer us a single Moyles citation beyond the neanderthal nonsense of "Pub...quiz!!!".

[Yudster]

Making me smile a lot is Ebeneezer Goode on the golden hour - its reminding me of the occasion when Mr Yudster, who is a very quiet person and manages to behave beautifully even when drunk surprised me and a whole club full of people by brilliantly perfoming that track in the karaoke competition - he got a standing ovation and won the thing hands down. That was a good night.

[foot-loose]

they will leave notes on your account warning others

It's also within your rights to request any notes that have been written about you by any organisation, they have to do it (although I think they can charge for the privilege.)

You can, but no-one does. Besides, the notes do not have to be offensive as such, just something like "This cardholder can get very abusive". "This card holder will not let us take her through security and will call back to try again - ensure full id is taken".



Making me smile is waking up to the following, highly surreal, conversation:

Moyles to Dalek: "... I see you managed to work out how to fly so you can get up stairs now then?"
Dalek to Moyles (in the Dalek voice): "DALEKS COULD ALWAYS FLY, HOWEVER THE BBC DID NOT HAVE THE BUDGET TO SHOW IT!!"

So I assume they are with the Dr Who peoples then today?

[Yudster]

"This card holder will not let us take her through security and will call back to try again - ensure full id is taken".

See, I think this is a valid concern. If someone phones me, and says they are from my bank, and asks me for passwords - * off! I don't know who the hell they might be, I'm not telling some random my passwords, mother's maiden name and all that stuff! It would make far more sense in that situation if the security questions were on this end - if I could ask them for a passcode or something so they can prove they are who they say they are, that would be fine. But sorry, I don't give my security information to anyone unless I absolutely know who it is I'm talking to. And you saying "It's Al from RBS" won't really convince me I'm afraid.

[SAV1OUR]

Oh it was fantastic Foots, that Dalek conversation rounded it off brilliantly.

[foot-loose]

"This card holder will not let us take her through security and will call back to try again - ensure full id is taken".

See, I think this is a valid concern. If someone phones me, and says they are from my bank, and asks me for passwords - * off! I don't know who the hell they might be, I'm not telling some random my passwords, mother's maiden name and all that stuff! It would make far more sense in that situation if the security questions were on this end - if I could ask them for a passcode or something so they can prove they are who they say they are, that would be fine. But sorry, I don't give my security information to anyone unless I absolutely know who it is I'm talking to. And you saying "It's Al from RBS" won't really convince me I'm afraid.

And anyone who calls you will not be surprised for you to say that and will tell you to call the number on the back of your card. You should never give your details to anyone that you have not initiated the call with.

[Yudster]

I have never had anyone respond in that way. They always um and ah and ask me again and say it really IS them - no-one has ever said "ok, fair point - please call us back". I have even on a couple of occasions asked for a number so that I CAN call them - none has ever been forthcoming. Thankfully my finances, whilst they have on occasion been on the scary side, have never been so scary as to make any calls of this kind crucial!

[foot-loose]

It really depends on who it is that is calling - if they are trying to sell you something then they will be on commission so they might not be so keen to let you off the phone. Any time my bank has had to talk to me about my account urgently, they have called and told me to phone them back, not even asked for security. (That is Bank of Scotland - other banks may work differently)

[Yudster]

Mr Yudster has had a few of the more important type of call - and he's never been asked to call back, they just ask for the security information. And I tell him off when he gives it to them!

[MK Chris]

I have been in that situation and have given my details out and never really thought about the possible consequences until reading this.

[foot-loose]

I was gonna call you a tit there, but then I thought about it and I suppose it could be an easy thing to do and maybe something I would have done before I do the job I do now.









Ah, * it.

[Boboff]

I have had this, and I just say that I will not give them the whole password only two letters from it, they choose which ones, and if they do already know it then they will, if I think they are dodgy I will give them incorrect ones first to try them out. If they do not accept this it is no point in getting angry or irate with them, simply hang up.

I have decided that life is too short to get angry with people who are doing a job, albeit a rubbish job, it just gets me down. I think I must be getting old.

[MK Chris]

I believe the phrase 'what a load of pish' is entirely appropriate.

[Sunny So Cal]

I understand it's on special alongside the WhyThink Parental Control Device. Free shipping.

[S4B]

I've now been shortlisted for the Retail Business of the Year in Peterborough! I am soooooo proud!

Congratulations. Good luck!

Thank you honey

I think we should have an "Ask Foots Finance Questions" Thread.

[foot-loose]

I don't.

I'm not telling anyone anything.

[S4B]

ok if you say so!

*re-reads previous page of this thread sure she's made a mistake*

[Sunny So Cal]

Making me smile are the 5 quails I saw puttering about in the canyon today and the gorgeous jeweler I just met when I dropped my diamond tennis bracelets off to be fixed. I think I might have them break more often! One fell off in the subway station leaving JFK in NYC and a sexy and very sweet young guy pointed out that it had fallen (he looked just like Robinson Cano of the NY Yankees!). He picked it up and handed it back to me and now this handsome guy today. Nice!

[Boboff]

diamond tennis bracelet ????

* sake sunny, you've changed.

[Vivienne]

I'm going for a run now. Thanx be to God. Boy do I need it: I ate 2 donughts, one gingerbread man, toast, biscuits, and a whole load of other stuff last night.