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[daveofficer]

Originally Posted by Carrots Gladstone

They won't do this - well my bank wouldn't anyway.

I eventually paid off a credit card a few years ago, with a credit balance (can't even remember why I had credit) of less than £1.

It gained interest over a few years, and was sitting at 91p.

I eventually phoned them a month or two ago to cancel the account completely - I hadn't had the actual card for years, and it was just an extra bit of paper coming in the post every now and again that I didn't need.

Because it had been so long, I didn't know any of the security passwords or anything for dealing with it over the phone. Well that's not true actually - they asked me about 7 questions and I got 3 or 4 right, but they wouldn't do anything about it because I'd got a few wrong.

My mate works for Clydesdale Bank so I asked if he could deal with it which he did. I said in no uncertain terms that I wanted that 91p back, and didn't want the Clydesdale to pocket it (because I hate the bastards...).

Anyway, he dealt with it and phoned me back saying the guy in the credit card department said it wasn't worth posting a cheque out for 91p so they were just keeping it. "It's not a big deal, if you're worried about it I'll give you a pound." was his comment.

I'm not bothered about the 91p I just didn't want Clydesdale to get it. I'm sure they do similar things to many many customers, making themselves a tidy little profit. They'd made more than their money off me on that fucking credit card, and I wanted that 91p. The bastards.

that's a bit cheeky. even if it's only 91p it's still your money, not the banks and they should write a cheque for it. you should've spoken to a manager about that, or at least written a stern letter. i got 70p back for a customer the other day and while they weren't fussed, i was of the opinion that it was 70p they were due and they should get it back regardless.

[Nev]

Originally Posted by daveofficer

do you get a statement through with a bank giro credit slip at the bottom? if so fill it out and take it to your bank with 58p(though probably best to put in a couple of pence extra, for the interest accrued on 58p) and they should process it. have you tried to make a payment for less than a pound? i didn't realise some cards had minimum payment amounts.

I do the whole paper-free thing, so no giro thingy. I did try paying just the 58p, but got a popup advising of the minimum payment. I'll give them a phone to get it sorted

[sross90]

I've got a bank of Scotland account, am they have a hefty generous overdraft which I don't normally ever use, however on occasion I can go like £5 over for the last few days of the month.

But from now on I guess If Im going overdrawn then Im going overdrawn in style. If I know I will be going £1 over, then its time to shif £2499 into a different account until such time I know that I wont be overdrawn at all.

Actually if the charge is only £1 day, would it be beneficial to be constantly overdrawn by £2499 and have all that money sitting somewhere that would make more than £1 a day??

[soundian]

Originally Posted by sross90

I've got a bank of Scotland account, am they have a hefty generous overdraft which I don't normally ever use, however on occasion I can go like £5 over for the last few days of the month.

But from now on I guess If Im going overdrawn then Im going overdrawn in style. If I know I will be going £1 over, then its time to shif £2499 into a different account until such time I know that I wont be overdrawn at all.

Actually if the charge is only £1 day, would it be beneficial to be constantly overdrawn by £2499 and have all that money sitting somewhere that would make more than £1 a day??

Good luck in finding something that's gonna pay £365 a year interest on £2499.

[Bigsby]

Originally Posted by sross90

I've got a bank of Scotland account, am they have a hefty generous overdraft which I don't normally ever use, however on occasion I can go like £5 over for the last few days of the month.

But from now on I guess If Im going overdrawn then Im going overdrawn in style. If I know I will be going £1 over, then its time to shif £2499 into a different account until such time I know that I wont be overdrawn at all.

Actually if the charge is only £1 day, would it be beneficial to be constantly overdrawn by £2499 and have all that money sitting somewhere that would make more than £1 a day??

If you change to the BoS Reward Account they will give you £5 a month (if you deposit at least 1k every month). So assuming you're not overdrawn for more than 5 days you would come out even.

[sross90]

Originally Posted by soundian

Good luck in finding something that's gonna pay £365 a year interest on £2499.

Mmm yeah theres not many places that offer 15% APR, thats that plan down the shitter!

Fuck it time for a new bank account!