Wednesday 26 October 2022

Banking woes

 What a week for banking! Others have shared their issues, I know I'm not alone... I dropped the F*💣 several times. (Don't tell the kids!) I had two problems yesterday. 

1. JB's VISA Payment – I tried to pay JB's VISA the 24th, but sent it to his old VISA at another bank. What was I thinking? Dumb, dumb, dumb. I did not realize it at the time, or I could have rescinded it that day. Do you know how difficult it is to do all this? I could wait an hour on the phone, but it often drops me. 

Spoke to Heather, then spoke to Gavin, who sent me to VISA. Then I had to contact our old bank, and try to cancel and get back our money. Promised a call back within an hour. It was 2 1/2 hours, but meant I was stuck with waiting. They couldn't rescind the payment, and advised me to wait as the other bank will have to manage the VISA payment. They told me to talk to the receiving bank.

We'll borrow money on the line of credit to pay off the good VISA. Trust the system! Wait patiently. Pffftt.

2. OLD VISA card  – You know serendipity is a good thing. I went back to my old bank card online. MY old VISA account was there and I found that some dipstick in Quebec charged $150 in gas in Laval on Oct. 9th, AND on Oct. 12th another $150. I might not have spotted it. I got on the phone, again.

There was an hour wait, they said. Leave your number and we'll call you back. Robo returned the call, then they said to do it online. Which I'd done. Eventually, I stayed on the line, as they said if there was fraud to wait. There was fraud. I got myself a person, Tina, who heard my tale of woe. She looked at my account, and confirmed my last charge and payment on Sept. 26, when I stopped using this old card. 

It was a good card, I'd had it since 1993, and it was a 7% interest rate (prime + 2%), I hated to let it go. When my last card # was stolen, the card was in my wallet, I had lowered the limits to $2500, which was a wise thing to do. She let me know that there was a $1371 charged refused from Amazon, as well as a $2010 purchase for clothing, similarly refused. You'd think they might have told me! Anyway, $300 charge is gone this morning, and a new card is in the mail. I simply won't activate it. They don't like it when you try to close up an account. 

💸 💸 💸 💸 💸 💸 💸 💸 💸 💸 💸 💸 💸 💸 💸

OK, that's my tale. We settled enough to go into town for flu shots. There was a nice man, age 91, getting his shot. I got the senior formulation. Set me back a tad emotionally. Yes, for 65 and older. When did that happen? 

I noticed this building in town. I loved the juxtaposition of the truck, 'disasters'. And the 'For Sale" sign that says 'Too Late!' I'll be keen to see what they do with the place. Are these good bones?

I slept in until 6 a.m. today. I was so happy. Yesterday it was 4:30 as we did a ton of work on preventing this gun range happening and it was weighing heavily. 

It's another nice day of 22 C. expected. It's nearly the end of that, methinks. We're ready. I let the cats sleep on my Grandmother's hand made quilt. She never had a sewing machine. It keeps fur off off the $10 IKEA sofa cover! That was a great find. 


Forest walkies were wonderful.

16 comments:

Tom said...

...you have been busy!

Barbara Rogers said...

Well, if it ain't one thing...as they say. Sorry that bank woes hit you, while you're still off balance due to the gun range. Yes walks in the woods is a good calming, recharging thing to do.

Kathy G said...

Boo to bank problems! It is so hard to get a real person on the phone.

eileeninmd said...

Hello,
It is always a good idea to keep an eye on all your accounts, banks and credit cards. Take care, enjoy your day!

Karen said...

Gosh, saw a piece from that guy in the Valley newspaper. What a piece of work. I've seen/heard folks claiming to fight to the end yadda yadda. The law WILL prevail. Don't give up hope!

Lorrie said...

Forest walks are a great way to deal with frustration.

RedPat said...

I hate dealing with any bureaucracy these days.

Olga said...

I relate to banking woes. The bank I had been with for years (55!) was bought out recently and what a mess their "nothing will change" changes made. I closed out the account and went to another bank.

Elephant's Child said...

Huge sigh at the banking woes. I hope they have been sorted out now. It is just after 4am here...

Nancy J said...

A carpet of orange and golden leaves, and great news about your bank card, and for once maybe, helpful people on the phone.

DrumMajor said...

Your adventures make me want to check my cards more often, but I don't use them much. High-dose annual flu shots for those over 65 started happening about 8-10 years ago. We don't usually notice it until we "just happen" to be over 65. It's better for we "higher risk" oldish folks, to keep us out of the hospital. Linda in Kansas

William Kendall said...

Tomorrow is supposed to be ten degrees cooler. We'll see.

Anvilcloud said...

I have done this twice but not recently TG. I did recover without much foofaraw in my cases.

Patio Postcards said...

Banks make us do all the work for them. Glad you are getting the VISA issues sorted.

I wonder what affect doug ford's new property development plans/legislative changes will have on the gun club going through (and yes I was purposely disrespectful to him with the lower case - trust me, I dropped many of the f bombs around this announcement on Monday).

Bleubeard and Elizabeth said...

I'm glad I don't own a credit card. Sounds like you have had a really bad time with your card. I hope they can finally get things cleared up.

Jeanie said...

I love the photo of the cats on your gran's quilt. That's a treasure. I'm catching up, as you can see.... miss a few days and boy! Lots to read!