harpo_72
Journeyman Pro
It’s not bad but they need to give examples so people can see what they are signing up to
Random Irritations
- Thread starter Blue in Munich
- Start date
GreiginFife
Money List Winner
Not sure how anyone is "suckered" by that deal. Say a person has a £2000 balance on a 15.9% card (15.9 seems to be a bout market rate just now from what I see). Most cards work on a basis of payment equalling 1% of the balance plus a month's interest so in this case 2.325% being applied per month.
So on that £2k balance the payment would be c. £46.50 per month with £20 going to the actual balance element and £26.50 servicing the interest.
at 2.9% the transfer fee would be £58 (so marhinally over 2 month's interest payment being applied). If the offer was even, say 12 months 0%) then the borrower could choose to pay minimum (1% or £20) as before but not see the balance increase) or continue to pay the £46.50 as before but see a greater reduction in balance over the months beyond paying the fee off.
The CC company benefits from the fee but the borrower benefits greatest over the time of the offer (as long as the 0% duration is longer than the break even against the fee).
Personally just transferred to a 29 month 0% on one of my cards, I will keep paying the same set monthly payment of £50 (already above my minimum payment) but will see the balance reduce significantly faster without costing me anything other than the £34 fee (which will wipe it's face in month 3 - so 26 months saving 1.325% of the balance). Works for me at least.
harpo_72
Journeyman Pro
You know what your doing ?
GreiginFife
Money List Winner
Well, some would disagree...
But even if you don't its' not hard to see that (based on the offer duration) it's only going to be beneficial.
I mean there's obvious elements like signing up to a card with a much higher standard APR that should be avoided.
fundy
Ryder Cup Winner
People who massively overquote, then when they hear youre getting other quotes offer to price match, then complain when you accept the other quote at half the price they initially wanted to rip you off for!
Shocked!
My kids had full fitting kit before they got a chance of a ride, and even then it was ‘corner shop’ stuff till I and they were comfortable.
And I tell them why they haven’t got the job. Hate rip off merchants.
RichA
Well-known member
Car thieves.
If you've got Faraday bags, for pity's sake use them. If it wasn't for my fabulous next door neighbour, I would be minus one car this morning. Fortunately the thieves' relay device dropped out in between opening the car and starting the engine and he chased the gang away on his own while I slept like a baby.
If you've got Faraday bags, for pity's sake use them. If it wasn't for my fabulous next door neighbour, I would be minus one car this morning. Fortunately the thieves' relay device dropped out in between opening the car and starting the engine and he chased the gang away on his own while I slept like a baby.
RichA
Well-known member
Somebody I live with, who thinks that hiding a car key is better than putting it in the Faraday bag.
BiMGuy
LIV Bot, (But Not As Big As Mel) ?
We don't have keyless on either of our cars. However, keys for both our cars live next to the front door.
We don't have particularly desirable cars, so have probably got a smaller chance than some of being stolen. But, if someone wants either of them, they can take them.
If someone really really wants your car, and they can't start it with their laptop. There is a chance they will break in for them. That's the last thing you want.
GuyInLyon
Active member
We live next to an elementary school and during holidays we miss hearing the little dears running around screaming their heads off during playtime.
The noise/laughter is only really between (about) 9am and 4pm and it brightens up our day.
5 of the 50 strong pod of dolphins that standed in the Cromarty firth dying. Very sad, wasn't the resident bottle nosed Moray firth pod.
GG26
Challenge Tour Pro
I had this a couple of years ago. Got quotes for online access to tax research material for the firm I was with. One firm quoted £5k, the other claiming a superior product £18k. The first firm then quoted a 20% discount if we signed up for two years (ie £4K pa), which we did as the other firm was so far higher with their quote. The firm with the higher quote then came back and I advised that we had been quoted £4k pa. They said they would match it and weren’t happy when I explained that we had already signed up.
If they were prepared to go as low as £4K, why quote 4.5 times higher in the first place. That’s what cost them the contact.
GG26
Challenge Tour Pro
Funnily enough when I started reading this I thought A14, then got to where you mentioned it.
Mudball
Assistant Pro
BMW had a product recall on some software.. so went back to service station. Came back all clean and squeaky and its software updated.
... deleted all my radio stations (which was a minor irritation)
.. changed all the miles to kilometers... Did not realise it till i was about a mile away. Driving along a 50 speed limit and suddenly the screen started showing I am over the limit by doing 80!! took a couple of secs to realise that was 80kmph. i nearly had a panic attack. Got home and took about 15 mins of trawlign thru various menus to change back to Miles ..
I know that in the world of Covid and Afghanistan, my irritation was minor.. it was still an irritiation
... deleted all my radio stations (which was a minor irritation)
.. changed all the miles to kilometers... Did not realise it till i was about a mile away. Driving along a 50 speed limit and suddenly the screen started showing I am over the limit by doing 80!! took a couple of secs to realise that was 80kmph. i nearly had a panic attack. Got home and took about 15 mins of trawlign thru various menus to change back to Miles ..
I know that in the world of Covid and Afghanistan, my irritation was minor.. it was still an irritiation
Neilds
Assistant Pro
At least you get quotes! We have had 4 firms round to measure up and ‘quote’ for a bathroom refit - none of them have actually got back to us with a quote. Very frustrating
Crazyface
Tour Winner
Mountain warehouse own website saying no stock of a type of shoe, but in stock AND £25 CHEAPER, when looking on Amazon (supplied by mountain warehouse). Yes I bought them.
Kellfire
Blackballed
You’re annoyed at getting something cheaper because Mountain have honoured a bulk contract to Amazon?
Yea, I hate getting things cheaper.
GreiginFife
Money List Winner
Advertisers and marketeers that just string words together that make no sense in the hope of either "sounding cool" or possibly trying to create their own language.
The latest I am apparently being offered "Exclusive heat on lock".
Well thanks, but I have central heating already. Oh wait, you're offering me trainers?
The latest I am apparently being offered "Exclusive heat on lock".
Well thanks, but I have central heating already. Oh wait, you're offering me trainers?
PJ87
Journeyman Pro
The brokeness of the UK sometimes ..
We stopped claiming child benefit a few years ago due to having to pay it all back when I changed jobs. So when the twins were born didn't claim it because why would I?
Turns out now you need to claim it and then say on the form you don't want to be paid so they automatically get a NI number when they turn 16
Would have thought them being registered as a birth in the UK then living here would get that
Oh well form sent .. waste of a stamp (another annoyance just accept it electronically)
We stopped claiming child benefit a few years ago due to having to pay it all back when I changed jobs. So when the twins were born didn't claim it because why would I?
Turns out now you need to claim it and then say on the form you don't want to be paid so they automatically get a NI number when they turn 16
Would have thought them being registered as a birth in the UK then living here would get that
Oh well form sent .. waste of a stamp (another annoyance just accept it electronically)
