Archive for the 'A bit of a rant' Category

Legal Theft

Posted by on August 3rd 2011 in A bit of a rant, Name and Shame

Chris has been banking with Lloyds TSB for about 40 years and in that time she's had acceptable service. Of late, however, things have been going a bit wrong...

A month or so ago she noticed an odd and unauthorised transaction on her bank statement. It was a debit against a Visa Debit card. The statement entry was "NFI*WWW.NETFLIX.CO US 07.99". There was also a fee for the Sterling > Dollar currency-conversion.

She called the bank and complained, the bank investigated and told Chris that "the transaction was for a subscription to a service that streams video to Playstations and X-Boxes". Chris explained that she has never set up such a subscription and that we've never owned either a Playstation or an X-Box. Eventually the bank gave her a refund and supposedly put in place measures to prevent it happening again. As part of those measures, Chris had to destroy her then-active debit card and wait for a new one. Lloyds TSB would further investigate the transaction and would send Chris the details thereof.

Happiness was restored... until last night...

Chris was checking her statement again and found that a further unauthorised transaction for the same bogus subscription, and against the same card, had been allowed after her first complaint. She was furious. She looked again at her statements and realised that both unauthorised transactions were against one of her Visa Debit cards that had expired way back in 2007! We were bemused as to how it would be possible to set up a new bogus subscription using details from a card that had expired four years ago.

When she phoned the bank this morning I had to leave the room and take cover. The bank got both barrels for many reasons - not only for their failure to prevent recurrence, but also for the fact that they'd not sent her those promised details of the first transaction AND for the revelation that they now expected Chris to cancel the bogus subscription herself, despite her having no details of the service or the perpetrator. They gave her a website address and effectively told her to get on with it. Unbelievable!

We checked the website and, after being redirected to here, we found that it proudly states "Sorry, Netflix is not available in your country... yet". So why would Chris ever want such a subscription?

 

 

We've done a bit of digging here and we reckon that it's possible (but not certain) that Chris's expired card details were nabbed from Amazon (UK), as it's the only place where we could find said details stored for an online service that Chris has used. Amazon did show the card as "expired". Chris has now deleted all of her card details that were filed with Amazon (UK).

This morning we contacted the Financial Ombudsman Service. It was explained to Chris that the practice of allowing transactions against expired debit cards is uncommon but not illegal - in some circumstances, it is allowed. It's difficult to see, however, how those circumstances apply in this case. Nevertheless, the F.O.S. will send a formal letter of complaint to Lloyds TSB regarding their failure to prevent further unauthorised transactions for the bogus subscription as per Chris's request.

Hopefully Lloyds TSB will address this matter before they lose yet another customer.

FWIW, Chris works for one of the Big Three worldwide express delivery companies, maintaining and developing their Global Accounts Receivable system. What she doesn't know about the legalities, complexities and ethics of international monetary transactions isn't worth squat. Lloyds TSB really shouldn't mess with her, maybe they should employ her instead!

So, dear reader, please be aware that the details of all your expired, cut-up-and-binned/burned Visa Debit cards aren't necessarily dead. They could come back to screw up your finances at any time.

WTFIGOH, Northeastern Illinois University?

Posted by on August 3rd 2011 in A bit of a rant, Blog on Site

WTF is going on here?

It wouldn't be so bad if the pic was of somewhere in Bulgaria.
It's actually a pic of the Eastern and the Far Eastern Fells of Cumbria, England.
I should know, it's my image!
Creative Commons?
Pah!

Another link

Drop-ship

Posted by on June 24th 2011 in A bit of a rant

Although the lappy's CPU fan hasn't caused any more trouble, it sounds like it's on the way out. Working on the basis that surfing for a replacement would be difficult after it croaks, I've been trying to source a replacement.

The obvious place to start looking was the IBM/Lenovo webshop. That's the UK webshop, so the part should already be in the UK. It found the required part, not cheap at £23.17 plus VAT, but it was what I expected to have to pay for a genuine replacement part.

What I didn't expect was the size of the shipping charges. FFS, I wanted it shipped, not a ship!!!

That's just mad. I've had huge packages, containing telescopes with delicate optics worth hundreds of pounds, sent fully-insured almost halfway around the globe for less than half the shipping cost of this fan which, even when packaged, is small enough to fit through a standard letterbox. How can it cost so much for p&p? For that price I'd expect them to do the main send on a NASA space-shuttle and have the final delivery done by The Pope driving a DeLorean.

Needless to say, I've dropped the idea of buying from IBM and now I'm looking elsewhere.

 

NICs twisted even tighter

Posted by on May 26th 2011 in A bit of a rant
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I'm getting increasingly fecked-off by the whole sorry state of affairs that is otherwise known as the National Insurance Contributions system...

Today I tried to pay the two-week shortfall for the 2010-2011 tax year. I like to keep my accounts simple - if I owe, I pay ASAP, I don't like to be in debt. Paying now would be a simple operation, you'd have thought.

Well...

I went to the Directgov website and clicked to the page entitled "When and how to top up your National Insurance contributions". On there it clearly states that voluntary contributions can be paid via my bank or building society's internet or telephone banking service. Indeed, clicking the "how to pay" link brings up another page which states "HM Revenue & Customs (HMRC) recommends that you make your voluntary Class 3 National Insurance payments electronically" and goes on to justify that recommendation as follows:

Paying electronically:

  • is safe and secure
  • gives you better control over your money
  • provides certainty about when your payment will reach HMRC
  • avoids postal costs and delays
  • may lower your bank charges
  • lets you pay at a convenient time if you use Direct Debit or internet/telephone banking

No probs, I'd much rather pay electronically than by cheque. I'll go for that.

I scrolled down that page to the section entitled "Paying by internet or telephone banking", where it states "You can use your bank or building society services to pay your quarterly payment request or any deficiency payment by internet or telephone banking. To make a payment you will need the account details given below and your voluntary Class 3 National Insurance reference number."

So I went rooting through stacks of documents looking for my "voluntary Class 3 National Insurance reference number". Damned if I could find it anywhere here, so I phoned them up again to get said number.

It turns out that they can't give me that number.  It won't be generated until sometime between September and November 2012!

I asked them to generate a number for me now so that I can get paid up, negating the need for them to send me a begging-letter later this year. "No can do" was the gist of the reply. When I asked why it couldn't be done, they had no answer apart from to point out that their system won't allow it. They did, however, tell me that I could send them a cheque... which sort of defeats the object of them recommending payment by electronic means.

So I can't pay electronically. They tell me that I can and then prevent me from doing so. Eejuts!

FFS, I can feel the will to live ebbing away.

Getting my NICs in a twist

Posted by on May 24th 2011 in A bit of a rant
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Ok, so I'm a house-husband, a stay-at-home Dad, a domestic engineer, call it what you will. Having stopped work in 2003 I've claimed no unemployment benefits or JSA at all, although I did get Child Tax Credits (CTC) and Family Allowance. I like to think that I've not been a drain on the country's finances, I've not been a dole-scrounger, I've not shirked my responsibilities to family or to society. We've traded my income for a strong, stable and caring family situation and it's worked - our kids are bright, well-supported educationally and otherwise, and more-or-less "well-adjusted".

I was subscribed to the Home Responsibilities Protection (HRP) Scheme which meant that Class 3 NI contributions (NICs) were paid while I was in receipt of Child Benefit for a child under the age of 16. This scheme (not a benefit) ran from 6th April 1978 to 5th April 2010, and when it stopped nobody told me, no letter was forthcoming.

In April 2010 HRP was replaced by a new scheme of National Insurance Credits. According to that scheme, I was credited weekly with Class 3 NICs because we were receiving Child Benefit for a child under the age of 12. It was a significant change, and nobody told us of this either.

Our youngest turned 12 in March of this year. My Class 3 NICs credits stopped immediately - again, nobody told us of this either.

Meanwhile, in blissful ignorance, I'd assumed that it was situation normal, NICs credits being paid due to the HRP Scheme. Nobody had told me otherwise.

Then I received notification that the CTCs had been stopped at the end of the 2010-2011 tax year, mainly due to the lowering of the qualification figure. With the downturn in the economy we expected to lose something, most folks have lost or will lose, we didn't expect to escape the wide-bladed axe. Note, however, that it took just three weeks to be told by letter that the CTCs had stopped.

I went online today to check the CTC qualification figures, it turns out that our income is actually just below the cut-off so I phoned them to get things sorted, it looks like they may have to reinstate the payments, albeit at a reduced level.

Then, by chance and idle curiosity, I happened to browse to the page concerning HRP... I followed it to the details about the new scheme... from the info there it didn't take a genius to deduce that my NICs credits would have been stopped, but I needed to be certain and wanted to know why I'd not been informed of the changes.

I've been on the blower to the NI peeps. Turns out that I'm two weeks shy of a full year of NICs for 2010-2011, and there are no NIC credits for the current tax year. Apparently, I need to send them some cheques...

Furthermore, when I asked for a check of previous years, they said that there's a gap of nearly three whole years (2003-2006) when there were no NICs credits despite the HRP system being in force. I think that they'll be getting an appeal instead of a cheque for that.

I asked the NI person why I'd had no notification of the cessation of credits in March, and got told that there's a pecking-order for folk being informed about gaps in their NICs:

  • First in line are folk that are in employment, their employers get kept up to date on an ongoing basis
  • Next are folk who have lost their jobs, they get informed as part of the application processes for JSA and other benefits

When I got the answer to the original question, bearing in mind that my circumstances are different to the aforementioned "classes", I was gob-smacked to find that they work two tax-years in arrears and that I would have had to wait until at least THE SECOND HALF OF THE 2012-2013 TAX YEAR, by which time I'd be in arrears by over £900 at current rates. Moreover, they can't explain why, despite their two-year arrears process, I've never been told about the "error" that created the 2003-2006 NICs gap. It's a bloody good job I phoned when I did, I reckon somebody needs an arse-kicking!

Now I'm told that I can have my NICs credited weekly from now onwards if I go on the dole - if I claim JSA I can get NICs credits but I won't get the actual JSA itself because during the previous six years I've not made any Class 1 NICs. So that's a great incentive to get back to work, eh?

There's something awry with a system that doesn't keep you informed about an increasing shortfall and which will allow you credits only if you claim a benefit that you can't actually have and don't really want.

I've come to the conclusion that the system's shite, not because it doesn't give me what I'm entitled to, but because it doesn't keep me informed.

Tip of the day: Don't rely on the NI peeps keeping you informed - phone them and ask them to check your contributions record - you may be in for a nasty shock! Find the contact number here.

Hang on a minute – I thought we were skint!

Posted by on April 6th 2011 in A bit of a rant, In the News
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Rumour has it that the coffers of the nation are empty, and that severe cuts are being made in order to keep the bailiff's dogs from the door.

Our glorious leader has ditched The Ark Royal...

and got rid of the Harriers...

and caused the closure of all but one of Manchester's public toilets...

He's allowed Uni fees to become huge...

his petrol price concession was negated by a pump-price increase...

and yet he has "found" 650 million quid...

of our money...

and he's not giving it back...

he's giving it away!

Moreover, he's giving it away overseas!

What the fuck???

Is this man totally mad?

Source: http://www.dailymail.co.uk/news/article-1373478/David-Cameron-Pakistan-650m-spend-education.html

Edit: Somebody at The Daily Mail could do with having some of this dosh to put towards maths lessons - how many NQTs start on £2,600?
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