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Category Archives: rant

When banks are too efficient (and then charge you lots of fees anyway, bless them)

Back at the start of December, I made 2 transactions through PayPal. Now, my PayPal account is hooked up to (1) my everyday transactions account, which I keep a very small amount of money in, and (2) my VISA card. Specifically, it’s set up to take cash if sufficient cash is there and, if not, to process a credit card transaction. That seems simple enough.

Checking my online bank statement, I noticed that (1) the transactions had come out of my transactions account and put it into a negative balance, even though I have no overdraft facility on that account, and (2) I had been charged a$30 reference fee.

Ouch.

I just rang my bank.

Turns out that, when I upgraded to the all-dancing, all-singing GOLD account with no ATM or foreign currency transaction fees, I got a special thing that “automatic transactions” are never rejected. Which I didn’t know (silly, me, must read those 60 pages of terms and conditions more closely). And PayPal transactions are considered “automatic transactions”.

So even though PayPal said, if there isn’t any money in your account then we will take it from your VISA card, my bank were kind and generous and allowed the transaction to go through.

And then slugged me for 30 bucks for the privilege.

I rang just now and sorted it out. They are refunding the reference fee, and I will delete access to my savings account from PayPal.

It seems the safest solution.

 
2 Comments

Posted by on December 31, 2008 in rant

 

Bah Humbug?

I love Christmas.

I mean, I really love Christmas. I love the carols, I love the decorations, I love the smell of mince pies in the oven.

But so far, I am not loving this Christmas. Read the rest of this entry »

 
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Posted by on December 24, 2008 in christmas, rant

 

The Sofa Thickens and the Season is Merry (and frustrating)

Plan for today:

1. Bigster’s German School Christmas concert, 9.30-1pm

2. Choose sofa 1-3pm (including travel)

3. Buy gift vouchers (same place)

4. Family friends’ Christmas party, 3pm-

5. Our friends’ Christmas party, some time after 5pm.

What actually happened: Read the rest of this entry »

 
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Posted by on December 14, 2008 in rant, shopping

 

Feeling sad

Blech. I’ve now been drawn into the “shilling” discussions at Boardgamenews.

I started a few times to write a detailed rebuttal, but decided that it’s not worth the hassle. I am feeling pretty sad about it all, though.  Read the rest of this entry »

 
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Posted by on September 18, 2008 in games, rant

 

Railway travel

I was going to blog about penguins and exciting things today but instead I have a rant. Or a self-mock. One or the other.

I went to book a train trip today, for when I arrive in England. I found a great fare (1st class, barely any more than 2nd and much cheaper than most 2nd class fares) and found the right train. Then I discovered that holders of 1st class tickets get to use the OMGLOUNGE (yay). That sold me – I went to book

It would not accept my VISA card. Stupid Verified by VISA always seems to cause problems.

So I tried my OTHER VISA card. Same problems.

Eventually, in much frustration (OMG it was a GREAT price, 20 pounds less than last time I travelled by train to York 15 years ago), I borrowed Fraser’s Mastercard.

The transaction went through, no problems.

Then I got the confirmation email.

Not only can buyers of DISCOUNT first class tickets not use the OMGLounge *sob*, you have to show the credit card that you used to make the booking when you pick up your tickets.

Only, I don’t have an auxiliary card on that account. So I CANNOT show that card when I pick up the tickets IN LONDON.

I went to email them. Entered booking number, address, country, postcode … ERROR MESSAGE. YOU MUST ENTER A VALID POSTCODE.

That’s right. They do validation on UK only postcodes, even for non-UK addresses.

I am wondering how much more can go wrong with this transaction.

Anyway, gave a random postcode and emailed them. Hopefully my passport will be evidence enough.

Silly people.

Verdict: Amusing. Could still become annoying, but for now I am going with LOL.

 
5 Comments

Posted by on August 16, 2008 in rant, travel

 

Despair for the human race

OK, so I am a spelling prescriptivist.

But when I get a spam fax that reads

Be efficient and sharp this year! – Put a Postage Meter on your desk and avoid the Post Office cues

I just want to cry.

Or, you know, run to mock it on the Internet.

 
3 Comments

Posted by on May 7, 2008 in languages, rant

 

House

The auction is this Saturday.

I am not doing very well at distracting myself into not thinking about it.

Over the past 4-6 weeks, clearance rates around Melbourne have dropped to below 65%. Prices for comparable properties have fallen by $30,000 or more. We will be lucky to reach the amount that the second offer was for (the one that the agent knocked back without even talking to us because it was too low).

Do I sound stressed? I am stressed. The effect of all this stress is that I am a bit miserable without any real reason to be unhappy. I am not good at being powerless – and there’s nothing I can do to improve the selling price at this point. I’m not even cheering myself up with thinking about OMG ESSEN! because even that may fall through if the house does not sell at all. And while I recognise that this is unlikely, Stress and Misery have kicked in with their nasty little messages. And I don’t like it, because I like to think that I am an upbeat and positive person.

Realistically, it is unlikely that the property will not sell at all.

It is possible that it will not sell at auction – even that it will not attract even a single bid.

The agents *think* they have 2 or possibly 3 bidders. First home buyers and investors, mostly. All they can talk about is what is wrong with the property (I am told that this is normal real estate bastardry).

We have to set a reserve price by Saturday.

Me?

I just feel a little bit sick.

 
6 Comments

Posted by on April 8, 2008 in rant, realestate

 
 
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