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Geodude
09-11-20, 08:01 PM
Being a year older no wiser and still naturally coated in female repellant :( but on the plus side I don't have to share my rum :)

garynortheast
09-11-20, 08:57 PM
but on the plus side I don't have to share my rum :)

Sorry Geo, I misread that last word! 8-[

Chris_SVS
09-11-20, 09:58 PM
Work CCTV likes to error when I'm on nights.. Last week featured an alarm I didn't know how to turn off,


Tonight, a person has logged in remotely to fix 43 camera feeds, Sleep time

Bibio
17-11-20, 03:54 PM
paypal.. the phone number i signed up with is out of date.. 15+ years ago. so i now cant use my account.


its getting that bad that you will have to give them a rectal scan soon by sticking your smartfon up yer arz... did i tell you i furkin hate smartfonzzzzz. you cant do furk all these days witout one....

Dave20046
17-11-20, 09:44 PM
paypal.. the phone number i signed up with is out of date.. 15+ years ago. so i now cant use my account.


its getting that bad that you will have to give them a rectal scan soon by sticking your smartfon up yer arz... did i tell you i furkin hate smartfonzzzzz. you cant do furk all these days witout one....

You can use a landline for paypal auth :monkey: (unless they've switched to app based)

I'd generally agree with you but authentication via app is much more secure than text/phone.

svenrico
17-11-20, 10:10 PM
paypal.. the phone number i signed up with is out of date.. 15+ years ago. so i now cant use my account.


its getting that bad that you will have to give them a rectal scan soon by sticking your smartfon up yer arz... did i tell you i furkin hate smartfonzzzzz. you cant do furk all these days witout one....

I agree, I just have an ordinary mobile phone that I only use when really necessary, but it's like you feel obliged to buy a smartphone. I don't really understand apps anyway !

Bibio
17-11-20, 10:20 PM
the problem is i cant use any other auth as it only comes up with my very old landline for them to phone me... ohhh well i wont be using paypal again.

svenrico
17-11-20, 10:39 PM
the problem is i cant use any other auth as it only comes up with my very old landline for them to phone me... ohhh well i wont be using paypal again.
Can't you register again ?

Bibio
17-11-20, 10:46 PM
not with the same address and debit card.. paypal are weird about that. just like the RBS dont like me spending my money and put a block on my card pretty much every time i sneeze.


all because they want my details but they can furk off and if they want it they will pay for it just like they get paid for selling it to other people. its my data not theirs.



how are we supposed to help our economy when we cant spend money.....


can you tell it pizzez me off... lol

Grant66
17-11-20, 10:48 PM
If you're able to log on you can just add another phone number in the account settings then delete the old one.


Sent from an S20 using Tapatalk with that kin cr4p blocked

svenrico
17-11-20, 10:48 PM
Trying to sort out quotations for house insurance - what a pain :mad:
Trying to compare like with like and going through information on the phone (after pre recorded conditions before you actually speak to somebody ):mad:
My wife has just lost her job because her place of work has closed down due to covid ,and they wanted to know how her employer was funded, is she going to live off savings or claim benefits - WTF has all that got to do with house insurance ?! unbelievable.

svenrico
17-11-20, 10:52 PM
If you're able to log on you can just add another phone number in the account settings then delete the old one.


Sent from an S20 using Tapatalk with that kin cr4p blocked
Isn't the problem that he can't log on ?

svenrico
17-11-20, 10:58 PM
not with the same address and debit card.. paypal are weird about that. just like the RBS dont like me spending my money and put a block on my card pretty much every time i sneeze
all because they want my details but they can furk off and if they want it they will pay for it just like they get paid for selling it to other people. its my data not theirs
how are we supposed to help our economy when we cant spend money.....
can you tell it pizzez me off... lol

I saw somewhere that when you are asked to tick to prove you are not a robot for security purposes and tick squares containing whatever it allows them to see your browsing history !

DJ123
18-11-20, 08:26 AM
I saw somewhere that when you are asked to tick to prove you are not a robot for security purposes and tick squares containing whatever it allows them to see your browsing history !

The reason you get asked to do that is because it has already checked your browsing history and can't determine if you're a robot or not (the irony a computer is deciding this . . . .). You will get this every time if you regularly delete cookies, browsing history etc.

Sir Trev
18-11-20, 07:53 PM
My five year old HP laptop had an odd screen flicker last night and when black. Now it won't turn on. Rats. Off to Google to see if there is a reset option of any kind or if it looks like it's toast.

We ended up with father-in-laws old Lenovo so I eventually managed to get that running tonight as a stop gap. Quite like the keyboard on it...

Bibio
18-11-20, 08:26 PM
My five year old HP laptop had an odd screen flicker last night and when black. Now it won't turn on. Rats. Off to Google to see if there is a reset option of any kind or if it looks like it's toast.

We ended up with father-in-laws old Lenovo so I eventually managed to get that running tonight as a stop gap. Quite like the keyboard on it...
new battery is in order. even plugged in a fubar battery will case problems unless your laptop will run without one.



also laptop and computer processor cooling fans should be cleaned once a year or you run the risk of the processor going pop.


at 5 years you have had your moneys worth :-)


you could always do what most folk do and drop it and claim on the house insurance... seems to be the norm these days to get insurance companies to pay for everything.

Grant66
18-11-20, 11:45 PM
also laptop and computer processor cooling fans should be cleaned once a year or you run the risk of the processor going pop.



Unless you have a hp, to get at the fan you have to take the motherboard out. Basically last thing out of the case is the fan. Every chuffing component removed before the fan cover screw is accessible.

Wonder why they don't put a cover on the outside to make cleaning easy...

Took 2 minutes with a Dremel, new cover held in place with sellotape, so it's maintainable now.

Sent from an S20 using Tapatalk with that kin cr4p blocked

svenrico
19-11-20, 12:01 AM
'you could always do what most folk do and drop it and claim on the house insurance... seems to be the norm these days to get insurance companies to pay for everything.' wouldn't that depend if you have cover for accidental damage, and also the excess amount ?
ps puts the premiums up for the rest of us of course when people make 'dodgy ' claims !

svenrico
19-11-20, 12:05 AM
The reason you get asked to do that is because it has already checked your browsing history and can't determine if you're a robot or not (the irony a computer is deciding this . . . .). You will get this every time if you regularly delete cookies, browsing history etc.

is that meant to say 'you will not get this every time ' ?

DJ123
19-11-20, 09:47 AM
is that meant to say 'you will not get this every time ' ?

nope. If you regularly clean your browsing history it is likely to come up every time. Because the AI can't determine if you are a Robot or not as the browsing history is not within a 'average/normal' parameter.

Dave20046
19-11-20, 10:13 AM
My five year old HP laptop had an odd screen flicker last night and when black. Now it won't turn on. Rats. Off to Google to see if there is a reset option of any kind or if it looks like it's toast.

We ended up with father-in-laws old Lenovo so I eventually managed to get that running tonight as a stop gap. Quite like the keyboard on it...

Sir Trev that sounds like a screen invertor (£15-£25) failing, if it's an LED screen this will be built in so you need a new screen but thankfully they're cheap (£40 or £50).

I'm taking it you mean only the screen is all black (and you have power LED's on etc).

If not and all sign of life is gone it could be the battery and or powerlead as bibio said but I'd be worried the motherboard has blown (probably new laptop time but the cost may surprise you).

Seeker
19-11-20, 11:44 AM
(probably new laptop time but the cost may surprise you).

surprise as in "yay!" :D or surprise as in "good grief" :shock:

Dave20046
19-11-20, 01:47 PM
surprise as in "yay!" :D or surprise as in "good grief" :shock:

Either way to be honest. Occasionally it's a yay on older laptops.

Seeker
19-11-20, 03:47 PM
Just don't buy a Lenovo 330S. It has a poor colour reproduction display, short duration battery life, no dvd drive and no ethernet port (you have to buy a usb-c adaptor or use wifi only). I really messed up in buying one.
I prefer my 10 year old Toshiba Satellite fitted with an SSD and a larger battery.

Sir Trev
19-11-20, 07:19 PM
Sir Trev that sounds like a screen invertor (£15-£25) failing, if it's an LED screen this will be built in so you need a new screen but thankfully they're cheap (£40 or £50).

I'm taking it you mean only the screen is all black (and you have power LED's on etc).

If not and all sign of life is gone it could be the battery and or powerlead as bibio said but I'd be worried the motherboard has blown (probably new laptop time but the cost may surprise you).

The power light comes on but now I have no screen at all, no caps or num lock lights and no other features like illuminated keys work. Then it will not power down at all, even if you hold the button for a while. Charged it up again and it all did the same thing.

We have an indie repair place up the road - I'll see if they're open. If it's not economic to repair then so be it. I've had reasonable life from it and thankfully my company records (my Ltd company bought it) are on my Google Drive. Thanks for the suggestions all.

Dave20046
19-11-20, 09:00 PM
The power light comes on but now I have no screen at all, no caps or num lock lights and no other features like illuminated keys work. Then it will not power down at all, even if you hold the button for a while. Charged it up again and it all did the same thing.

We have an indie repair place up the road - I'll see if they're open. If it's not economic to repair then so be it. I've had reasonable life from it and thankfully my company records (my Ltd company bought it) are on my Google Drive. Thanks for the suggestions all.

Sounds like motherboard. Can be anything from £80-500. Your data is unlikely to be gone, that's stored on the harddrive if you need it.

At it's age maybe buy another. Black Friday deals perhaps...

CheGuevara
22-11-20, 10:05 PM
Went to a Timpsons in Asda to get a key blank cut for my old Toyota. I brought a blank with me (bought online for £2.50), but he said they were only allowed to cut blanks they sell. I said fair enough, and asked if he had a blank. He said "I do. It's £40" :shock: Looked identical to my £2.50 one fwiw.

He had that slightly sheepish look like he knew they were taking the ****. I'm amazed they sell any at that sort of money. Now very clear why they won't cut one they didn't sell.

Will go visit a local independent once this round of lockdown is over.

Dave20046
22-11-20, 10:07 PM
Went to a Timpsons in Asda to get a key blank cut for my old Toyota. I brought a blank with me (bought online for £2.50), but he said they were only allowed to cut blanks they sell. I said fair enough, and asked if he had a blank. He said "I do. It's £40" :shock: Looked identical to my £2.50 one fwiw.

He had that slightly sheepish look like he knew they were taking the ****. I'm amazed they sell any at that sort of money. Now very clear why they won't cut one they didn't sell.

Will go visit a local independent once this round of lockdown is over.

Funnily enough I had a very similar conversation in Morrison's Timsons. It's starting to show that they hire ex-robbers ...£10 for a standard key cut?!

chris8886
23-11-20, 12:03 AM
Went to a Timpsons in Asda to get a key blank cut for my old Toyota. I brought a blank with me (bought online for £2.50), but he said they were only allowed to cut blanks they sell. I said fair enough, and asked if he had a blank. He said "I do. It's £40" :shock: Looked identical to my £2.50 one fwiw.

He had that slightly sheepish look like he knew they were taking the ****. I'm amazed they sell any at that sort of money. Now very clear why they won't cut one they didn't sell.

Will go visit a local independent once this round of lockdown is over.



Well that is a massive pi55 take I think! Good on you for saying no thanks and going somewhere else.

Craig380
23-11-20, 07:46 AM
Funnily enough I had a very similar conversation in Morrison's Timsons. It's starting to show that they hire ex-robbers ...£10 for a standard key cut?!

Hah, I was going to post the same thing ....

punyXpress
23-11-20, 10:03 AM
From 23.4.09:
Lost one of mine a couple of months ago.
Blank from stealer cost about £12 & cutting locally another £5.
Away I go to refuel. Doesn't fit tank cap! But fits other 2. Not much good for covering many miles.
* If you have the key number *
Rang Lincoln Security yesterday about this time & gave them key number ( written in handbook by previous owner ) & 2 keys arrived this morning for the princely sum of £6.46
Their number : 01522 532038
If you haven't the key number, they can copy yours.

Hope they're still in business!

Adam Ef
23-11-20, 02:48 PM
Quoteline Direct decided to try and change my van insurance policy that I took out a few weeks ago to a business policy and take an extra payment to cover the extra that would cost. Only, they didn't tell me or get in touch. First I knew was HSBC sending me notices of possible fraud on my account. HSBC blocked the payment and then Quoteline direct sent me a message that my policy was cancelled with no refund of the amount I paid a few weeks back. I phoned them and asked what was going on.
Spent ages waiting on hold listening to terrible distorted music and eventually got through to someone that explained that they had decided that as it's a van it must be a business vehicle. When I told them it's not I then had to answer loads of questions and justify why I have a van and not a car. Very bizarre. They kept saying, but you could just have a car if it's personal use. Why have you got a van?

I told them when I took the poilcy out that it's for personal use. They just decided to change it without consulting me and I think if HSBC hadn't flagged the payment they'd have tried to take then I'd have not even noticed it happening. I've got a feeling it's their standard practice and they must get away with doing it to a lot of people who never notice.


Absolutely livid and explained to the customer dis-services on the phone that I'm glad HSBC fraud spotted it as that's essentially what it is.


No apology and nothing changed since I took the policy out originally. Just a big waste of an hour of my day and a lot of stress. I'll be avoiding them in future.

admin
23-11-20, 02:52 PM
That's very poor practice.

Sent from my SM-T510 using Tapatalk

Adam Ef
23-11-20, 02:56 PM
That's very poor practice.

Sent from my SM-T510 using Tapatalk


I'd say it's bordering on criminal. Just tryng to take money from my account without asking as they've changed their mind about information I gave them without even consulting me.

admin
23-11-20, 03:01 PM
Is quite common around here for young lads to get a van as a first car as its a lot cheaper to insure than the equivalent car. They're good to camp in too, my son has an estate for the same reason.

So have you had to go elsewhere for cover?

Sent from my SM-T510 using Tapatalk

svenrico
23-11-20, 03:21 PM
I'd say it's bordering on criminal. Just tryng to take money from my account without asking as they've changed their mind about information I gave them without even consulting me.
That is disgraceful . So how did it finish up, is the van insured for private use ?
Must remember to avoid that insurance company.

Bri w
23-11-20, 03:32 PM
When we bought our house here in Spain, almost 5 years ago, we got the solicitor from hell. Not living here at the time he was given Power of Attorney to set up everything from bank accounts to utilities and council taxes - note, taxes. And then there was the things like Stamp Duty and Energy Certificate.

What should have taken 4 weeks max took 23 MONTHS!!! However, we signed a pre-purchase contract, which we were told was quite common out here. It gave us a legal cut off 3 months after we said yes to the house but he wouldn't enforce it, coming up with stories of lost reservation fees and deposit.

But not understanding the Spanish system etc we persevered with him... sort of. As we reached the beginning of the 23rd month of hell I gave him and the estate agent 2 weeks to sort it or I give the whole sordid affair to the Spanish Police. Done within the 14 days I gave him to complete.

Fast forward to now. We're selling and moving to something bigger, more central to where our friends and social life is. Needless to say we've gone for a different solicitor. To say the original paperwork is a bit of a mess is a mild understatement but we've managed to get everything off the original solicitor apart from the Energy Certificate - no great problem as it will cost €180 to replace the missing one.

However, in with the paperwork is an official document that shows the Stamp Duty we paid. We paid €6,900 to the solicitor, amongst other sums, specifically to cover the Stamp Duty. The document that he has been very reluctant to hand over till 2 weeks ago shows he paid €2,400 in Stamp Duty. According to our new solicitor he has pocketed €4,500 he should have paid to the tax man.

We move next week. The day after we move our current solicitor has been instructed to contact the Police. Sadly, the €4,000 doesn't come to us, and the fact it hasn't been paid is our responsibility. But, thankfully, not our fault.

Not looking forward to all the 'flak' this will cause.

Bibio
23-11-20, 04:32 PM
not good Bri and i hope it all works out.


many years ago i was told that it was a frigging nightmare buying any property in Spain as the procedure is stupid silly and you never actually own the property in such that the Spanish Gov can grant builders the right to demolish your house to build new ones and your left out of pocket. dont know if that was true though.

Bri w
23-11-20, 04:52 PM
not good Bri and i hope it all works out.


many years ago i was told that it was a frigging nightmare buying any property in Spain as the procedure is stupid silly and you never actually own the property in such that the Spanish Gov can grant builders the right to demolish your house to build new ones and your left out of pocket. dont know if that was true though.

Buying is supposed to be quite easy. Once a reservation fee is paid, usually €3000, the estate agent takes it off the market. They then have 10 days to pay the deposit. Both of which are non-refundable. Then the seller sets a completion date, max, 6 weeks away.

During the 6 week period the seller must provide copies of all utility and council taxes paid up to date - those bills stay with the house. If we moved without paying up, and the buyer was foolish enough to buy without checking, all the bills become the new owner's problem. Same applies to the mortgage and any bank loans tied to the property.

Get a good solicitor and its painless, and safe.

chris8886
23-11-20, 10:12 PM
Quoteline Direct decided to try and change my van insurance policy that I took out a few weeks ago to a business policy and take an extra payment to cover the extra that would cost. Only, they didn't tell me or get in touch. First I knew was HSBC sending me notices of possible fraud on my account. HSBC blocked the payment and then Quoteline direct sent me a message that my policy was cancelled with no refund of the amount I paid a few weeks back. I phoned them and asked what was going on.
Spent ages waiting on hold listening to terrible distorted music and eventually got through to someone that explained that they had decided that as it's a van it must be a business vehicle. When I told them it's not I then had to answer loads of questions and justify why I have a van and not a car. Very bizarre. They kept saying, but you could just have a car if it's personal use. Why have you got a van?

I told them when I took the poilcy out that it's for personal use. They just decided to change it without consulting me and I think if HSBC hadn't flagged the payment they'd have tried to take then I'd have not even noticed it happening. I've got a feeling it's their standard practice and they must get away with doing it to a lot of people who never notice.


Absolutely livid and explained to the customer dis-services on the phone that I'm glad HSBC fraud spotted it as that's essentially what it is.


No apology and nothing changed since I took the policy out originally. Just a big waste of an hour of my day and a lot of stress. I'll be avoiding them in future.



I think you need to name and shame the barstewards so that we know who to avoid.....

Adam Ef
24-11-20, 07:28 AM
Already did.. Quoteline Direct


Look up their reviews on Google. I wish I had before I took the insurance. Seems I got away lightly. Just one of the many cons they try apparently.

shiftin_gear98
24-11-20, 10:05 AM
Wow that's some glowing reviews.
Nice working ethic. Not.

svenrico
24-11-20, 01:57 PM
I think you need to name and shame the barstewards so that we know who to avoid.....

It says' Quoteline Direct '

Grant66
24-11-20, 02:12 PM
Trustpilot holds 174 reviews. Think there were 6 5* (mostly by people naming the staff they had a positive experience from, apparently this a a flag for a fraudulent review), 4 2* and the rest 1*.
By far the most common statement was "if I could leave a zero star review I would".

Seems a common tactic to threaten to cancel your policy followed by some extortion.



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ethariel
24-11-20, 03:44 PM
They sound just as bad as GoSkippy were when they started out - Quote you one price then take £500 more and only tell you after that 'your circumstances' were outside the previous price blah, blah, blah.

Complain to the Ombudsman about thier practices and if you were lucky enough to use a Credit Card then they may be more than happy to go after the funds otherwise unless you have a lawyer as a relative your buggered.

Bibio
24-11-20, 04:43 PM
use a Credit Card then they may be more than happy to go after the funds otherwise unless you have a lawyer as a relative your buggered.
yup. always use a credit card for paying insurance. if you pay by DD you are actually paying by credit and they will shaft you if you walk or complain.


touch wood i have never really had a problem with insurance.

DJ123
24-11-20, 05:47 PM
They sound just as bad as GoSkippy were when they started out - Quote you one price then take £500 more and only tell you after that 'your circumstances' were outside the previous price blah, blah, blah.

Complain to the Ombudsman about thier practices and if you were lucky enough to use a Credit Card then they may be more than happy to go after the funds otherwise unless you have a lawyer as a relative your buggered.

Direct Debit Guarantee should give you that cover too. And if a company abuses it (by taking money that was not previously discussed, or agreed to), they can get their DD rights revoked.

Bibio
24-11-20, 06:39 PM
they tell you that its a DD but if you read the small print on some its actually a loan so no DD guarantee and if you cancel you are still due 100% + admin fees due to taking a loan. also try cancelling a DD at your bank and see how many hurdles you have to jump.



ALWAYS pay either full amount or by credit card.. NEVER EVER trust brokers (you cant buy insurance direct well you can but there are very very few who underwrite their own insurance). i know for some this is not feasible so you are stuck between a rock etc.etc.

admin
24-11-20, 07:04 PM
This has been trending on social media
https://www.theguardian.com/politics/2020/nov/24/trial-of-brexit-border-checks-causes-five-mile-lorry-queues-in-kent?CMP=Share_AndroidApp_Other
Not a peep on the BBC news or their website.

Sent from my SM-T510 using Tapatalk

Bibio
24-11-20, 07:47 PM
This has been trending on social media
https://www.theguardian.com/politics/2020/nov/24/trial-of-brexit-border-checks-causes-five-mile-lorry-queues-in-kent?CMP=Share_AndroidApp_Other
Not a peep on the BBC news or their website.

Sent from my SM-T510 using Tapatalk


lets hope that they start the ferry's from Rosyth again :rolleyes:

DJ123
24-11-20, 07:59 PM
they tell you that its a DD but if you read the small print on some its actually a loan so no DD guarantee and if you cancel you are still due 100% + admin fees due to taking a loan. also try cancelling a DD at your bank and see how many hurdles you have to jump.
.

Any direct debit is covered by the DD Guarantee, regardless if it is a 'credit' payment or not.

Direct Debit Guarantee

The Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits
If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed. If you request the organisation to collect a payment, confirmation of the amount and date will be given to you at the time of the request
If an error is made in the payment of your Direct Debit, by the organisation or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society
If you receive a refund you are not entitled to, you must pay it back when the organisation asks you to
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify the organisation.

https://www.directdebit.co.uk/DirectDebitExplained/pages/directdebitguarantee.aspx

garynortheast
24-11-20, 09:44 PM
This has been trending on social media
https://www.theguardian.com/politics/2020/nov/24/trial-of-brexit-border-checks-causes-five-mile-lorry-queues-in-kent?CMP=Share_AndroidApp_Other
Not a peep on the BBC news or their website.

Sent from my SM-T510 using Tapatalk

Project Fear eh? Don’t recall seeing that on the side of the brexit bus.

Adam Ef
24-11-20, 10:03 PM
yup. always use a credit card for paying insurance. if you pay by DD you are actually paying by credit and they will shaft you if you walk or complain.


touch wood i have never really had a problem with insurance.


I paid on my debit card. I was on hold twice to HSBC fraud team today. More wasted time. They have suggested I cancel my current card as there is nothing to stop Quotline Direct from trying to take another payment and it might get through next time.


I asked why it was flagged and they said it is either due to an unusual pattern in my spending or a pattern from flagged companies that have led to fraud cases before. I asked if this time was due to my payment pattern and they said no. I then asked if it's because of a pattern seen before from Quotline Direct. They couldn't answer that but said it was possible. As there's no other possible reason for it to be flagged it has to be a standard pattern that they've seen a lot from them that has led to it being raised with the bank / fraud team. So it seems it's Quoteline Direct's standard way of doing business. Try and take extra money and not get noticed and get more money out of you. Or if they get noticed then charge you more if you want to get out of the policy (£75 admin fees even in the cooling off period!) or they cancel your policy and keep all your money.


How companies can get away with this as legitimate business is crazy.

Grant66
24-11-20, 10:35 PM
The FCA says the fee must be reasonable and represent the work actually done. £75 would suggest over an hour's worth of "work".
You might find challenging the fee gets it reduced especially if you mention raising the matter with the FCA. Just because it's in their T&C's doesn't make it legal.

Sent from an S20 using Tapatalk with that kin cr4p blocked

Adam Ef
25-11-20, 06:54 AM
But how many people will spend the time challenging it?

Luckypants
25-11-20, 08:14 AM
How companies can get away with this as legitimate business is crazy.

Its not legitimate business, it is fraud. The reason they get away with it is nobody reports it to the authorities, they are just glad when they get their money back from the bank. Have you reported them to Trading Standards? Action Fraud? The police? Has anyone else on this thread who were affected reported it? :plod::plod::plod::plod:

DJ123
25-11-20, 12:38 PM
I paid on my debit card. I was on hold twice to HSBC fraud team today. More wasted time. They have suggested I cancel my current card as there is nothing to stop Quotline Direct from trying to take another payment and it might get through next time.


I asked why it was flagged and they said it is either due to an unusual pattern in my spending or a pattern from flagged companies that have led to fraud cases before. I asked if this time was due to my payment pattern and they said no. I then asked if it's because of a pattern seen before from Quotline Direct. They couldn't answer that but said it was possible. As there's no other possible reason for it to be flagged it has to be a standard pattern that they've seen a lot from them that has led to it being raised with the bank / fraud team. So it seems it's Quoteline Direct's standard way of doing business. Try and take extra money and not get noticed and get more money out of you. Or if they get noticed then charge you more if you want to get out of the policy (£75 admin fees even in the cooling off period!) or they cancel your policy and keep all your money.


How companies can get away with this as legitimate business is crazy.

if they try and take money wihthout your permission, or agreement it's fraud. And you can report it to the Police as such

https://www.actionfraud.police.uk/reporting-fraud-and-cyber-crime

HSBC can block that company taking payments from your card, but blocking the card and getting a new one is easier for them.

Adam Ef
25-11-20, 01:06 PM
Reading between the lines they have something set up to detect a second payment being taken a few weeks after the first from that specific company as it's caused problems for the fraud team in the past, enough to have gone to the trouble to set up fraud alerts against them. I had to state that I felt it was fraud with the HSBC fraud team in order for them to cancel my card. So their fraud team do have it on record (again?) that Quoteline Direct have been reported with them for fraud. How they act on that I'm not sure.

Grant66
25-11-20, 02:31 PM
Report them to the FCA too. Get the "insert insulting descriptor" driven out of business.

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svenrico
25-11-20, 02:50 PM
they tell you that its a DD but if you read the small print on some its actually a loan so no DD guarantee and if you cancel you are still due 100% + admin fees due to taking a loan. also try cancelling a DD at your bank and see how many hurdles you have to jump.



ALWAYS pay either full amount or by credit card.. NEVER EVER trust brokers (you cant buy insurance direct well you can but there are very very few who underwrite their own insurance). i know for some this is not feasible so you are stuck between a rock etc.etc.

There seems to be several different parties involved in my motorbike insurance-MAG, Adrian Flux, some others I forget ! I must say they did arrange great repairs when I was knocked off my Triumph Bonneville through no fault of mine, although it wasn't quick but I wasn't bothered that much as it was coming up to winter.

svenrico
25-11-20, 02:57 PM
This has been trending on social media
https://www.theguardian.com/politics/2020/nov/24/trial-of-brexit-border-checks-causes-five-mile-lorry-queues-in-kent?CMP=Share_AndroidApp_Other
Not a peep on the BBC news or their website.

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Don't worry ,it will all be sorted by January 1st !
Are you prepared for January 1st, prepared for what, who knows what is happening, does the government know, what have they agreed in 4 years since the referendum ? :confused:

embee
25-11-20, 03:13 PM
The other thing of course is to try to avoid using a DEBIT card at all for such transactions, a CREDIT card means you have the credit card company in between you, they will have plenty of clout and don't tend to take kindly to being abused. Using a debit card amounts to handing over cash.
You may well have reason to have used a debit card, but try to avoid it when dealing with "unknown quantities" like insurance brokers or unknown online retailers.

I'll happily pay a bit extra for insurance as long as the company is well known and has a good reputation and reviews.

Your experience is good info for others, thanks for sharing.

shiftin_gear98
25-11-20, 03:59 PM
I'll happily pay a bit extra for insurance as long as the company is well known and has a good reputation and reviews.
Your experience is good info for others, thanks for sharing.

I'd second this, all day long.

DJ123
25-11-20, 05:10 PM
Absolutely. I always check the insurer & underwriter out before i take out any policy. Usually if it looks to be to much of a good price, there's always a catch. Especially with those on the price comparison sites.

Adam Ef
25-11-20, 07:48 PM
Road gritting starting from tonight.

Craig380
25-11-20, 07:55 PM
I've been very surprised they haven't gritted round here yet (South Cheshire). I'm sure they will soon.

Chris_SVS
25-11-20, 09:33 PM
Thought the world was ending when this appeared up the road on Sunday night. It flared out the PTZ camera

https://i.imgur.com/XjRu8Bml.jpg

svenrico
25-11-20, 11:08 PM
The other thing of course is to try to avoid using a DEBIT card at all for such transactions, a CREDIT card means you have the credit card company in between you, they will have plenty of clout and don't tend to take kindly to being abused. Using a debit card amounts to handing over cash.
You may well have reason to have used a debit card, but try to avoid it when dealing with "unknown quantities" like insurance brokers or unknown online retailers.

I'll happily pay a bit extra for insurance as long as the company is well known and has a good reputation and reviews.

Your experience is good info for others, thanks for sharing.
Didn't know that about debit cards, I thought they gave the same protection as credit cards. I don't have a credit card and pay by debit card or paypal.
I have been through the house insurance carry on recently and have gone with the broker who is also the same company as my financial adviser. Other quotations were much lower but thought there must be some catch. Would have to start looking into it weeks in advance to be able to compare like with like. One company was asking stupid questions like 'do your external door locks open from both sides ?' !!!

Dave20046
26-11-20, 08:57 AM
Didn't know that about debit cards, I thought they gave the same protection as credit cards. I don't have a credit card and pay by debit card or paypal.
I have been through the house insurance carry on recently and have gone with the broker who is also the same company as my financial adviser. Other quotations were much lower but thought there must be some catch. Would have to start looking into it weeks in advance to be able to compare like with like. One company was asking stupid questions like 'do your external door locks open from both sides ?' !!!
Yep, if I'm at all dubious or buying something over £100 I always spend someone else's money (credit card) once I'm happy I move over my funds from debit.

It's not the stupidest question (if they were going to give you a discount for every non external facing lock), some locks don't have a key at the other side (think they call them passage locks) which means it's harder to lockpick or snap them. Obviously that wouldn't be all doors though :smt111

DJ123
26-11-20, 10:31 AM
10 Downing Street has one of those. It can only be opened from the inside.

Dave20046
26-11-20, 12:40 PM
10 Downing Street has one of those. It can only be opened from the inside.

Bet their insurance is a bargain .
Unless maybe they ticked the war criminal cover and terrorist attack insurance boxes

Chris_SVS
26-11-20, 12:42 PM
Insurance quotes for my 2x road bikes and 1x MTB costing more than my Tracer ��

svenrico
26-11-20, 05:34 PM
Yep, if I'm at all dubious or buying something over £100 I always spend someone else's money (credit card) once I'm happy I move over my funds from debit.

It's not the stupidest question (if they were going to give you a discount for every non external facing lock), some locks don't have a key at the other side (think they call them passage locks) which means it's harder to lockpick or snap them. Obviously that wouldn't be all doors though :smt111
But I had already told them there is a front and rear entrance door and they are both fitted with a mortice dead lock. You wouldn't have main front and rear doors that didn't open from both sides.:)

Kenzie
28-11-20, 10:36 AM
I don't know if this is a Gripe or a WTF people selling PS5 on eBay has gone crazy. Someone has a PHOTO of a console and not the console itself for £40k!

Grant66
28-11-20, 11:16 AM
If nobody bought them the problem would be cured. If d1ckheads want to pay stupid money to save waiting a couple of months let them.

I'll be waiting for the stock to be back in the shops.

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admin
28-11-20, 11:26 AM
I've always bought my PlayStation just as the revised version (slim) version comes out. Saying that I'm still on the PS3. I don't play a lot of games these days so its main use is as a bluray player.

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Seeker
28-11-20, 12:01 PM
This 22 yr old has your PS5
https://news.knowledia.com/US/en/articles/22-year-old-reseller-nabs-200-playstation-5s-makes-40-000-in-sales-7a622c154275ee44c0c98f510d7176f934c5a129

(not really, he's in the US)

Kenzie
28-11-20, 12:26 PM
I try to avoid buying first run consoles, best to let any bugs or issues get worked out first.

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Craig380
29-11-20, 08:21 PM
My lad hit a big f*ck*ng pothole on the way home and looks like either a track rod or lower suspension arm is bent as the driver's side front wheel is out of alignment. Also damaged the alloy, although the tyre's holding pressure.

Hoping we can get it sorted in the morning, and photos have been taken so we're going to take it up with the council. fixmystreet.com shows two other people have flagged potholes in the same area on the same road in the past week.

DJ123
30-11-20, 08:42 AM
My lad hit a big f*ck*ng pothole on the way home and looks like either a track rod or lower suspension arm is bent as the driver's side front wheel is out of alignment. Also damaged the alloy, although the tyre's holding pressure.

Hoping we can get it sorted in the morning, and photos have been taken so we're going to take it up with the council. fixmystreet.com shows two other people have flagged potholes in the same area on the same road in the past week.

My local council were good at refunding me after i had a tyre go after hitting a pot hole.
Sent them the invoice/cost for the replacement and had a cheque within a month.

Grant66
30-11-20, 09:25 AM
Must be cheaper than fixing the road.

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admin
01-12-20, 01:39 PM
Leaky radiator in front bedroom. Not my favourite job but went fairly well considering brackets and fittings had to be altered to line up with pipes.

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shiftin_gear98
01-12-20, 02:36 PM
Working with in-laws.

AARRRGGHHH,

I work with my brother in-law he's my MD and sister in-law, she's just a pain in my ass.
And today...

THEY ARE BOTH DOING MY ****ING NUT IN....

I really wish there wasn't a global pandemic, obviously all the people dying sucks, as too does not going out, and of course people losing their jobs.

But I would really just like to tell them to poke their job right up their .......

What makes it worse, is they might be the other households I'll be having around my house at Christmas.
I'm really looking forward to that, like a hole in the head. Joy.


(Please let there be a lock down and everyone has to stay in their own homes)

DJ123
01-12-20, 04:10 PM
Working with in-laws.

AARRRGGHHH,

I work with my brother in-law he's my MD and sister in-law, she's just a pain in my ass.
And today...

THEY ARE BOTH DOING MY ****ING NUT IN....

I really wish there wasn't a global pandemic, obviously all the people dying sucks, as too does not going out, and or course people losing their jobs.

But I would really just like to tell them to poke their job right up their .......

What makes it worse, is they might be the other households I'll be having around my house at Christmas.
I'm really looking forward to that, like a hole in the head. Joy.


(Please let there be a lock down and everyone has to stay in their own homes)

Just say you've got some symptoms, so you and your family should isolate at home.....

admin
01-12-20, 05:02 PM
[emoji121]what he said.

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shiftin_gear98
02-12-20, 07:51 AM
Just say you've got some symptoms, so you and your family should isolate at home.....

Alas this idea has one slightly massive stumbling block.

My missus.

Her family don't **** her off, and due to the current situation, she hasn't seen very much of them in a while. So is desperate to see them over Christmas.
(Albeit not all of them due to the 3 Household Policy - Yay!)

So I'll just have to suck it up and roll with it. Whilst they eat the Christmas dinner I've had to pay for.

2021 might be the year I actually sort my **** out and change jobs.
Hopefully the world does return to some resemblance of normal. I don't think I can stick it out until 2022.

shiftin_gear98
02-12-20, 07:56 AM
Anyhow, today's a different day.

On a slightly different note. A word of caution.

DON'T ride a 1000cc motorbike when under the influence of rage.
I nearly died 4 times on the way home last night - 20 miles.
You would think I would have learnt from the first incident and mellowed out. But the red fog wouldn't let me.
(Muppet)

This morning was a much calmer affair, so much so I was nearly late for work. (Shame ;)).

Luckypants
02-12-20, 02:02 PM
My gripe is broadband going off at 6:40am yesterday and no help from Vodafone yet. So I'm WFH using my phone as a hotspot and have had to buy a data upgrade. Vodafone are saying up to 72 hours to get a response from third line.

None of this is ideal WFH in a new job.

svenrico
03-12-20, 01:13 AM
Working with in-laws.

AARRRGGHHH,

I work with my brother in-law he's my MD and sister in-law, she's just a pain in my ass.
And today...

THEY ARE BOTH DOING MY ****ING NUT IN....

I really wish there wasn't a global pandemic, obviously all the people dying sucks, as too does not going out, and of course people losing their jobs.

But I would really just like to tell them to poke their job right up their .......

What makes it worse, is they might be the other households I'll be having around my house at Christmas.
I'm really looking forward to that, like a hole in the head. Joy.


(Please let there be a lock down and everyone has to stay in their own homes)
Just don't have other households round at xmas. My in laws are in tier 3 and we are in tier 2 so not getting together at xmas. Wouldn't have done anyway whatever government says until things have cleared up or vaccines rolled
out .The virus isn't going to take time off at xmas or count the number of people meeting !

admin
03-12-20, 09:36 AM
Just don't have other households round at xmas. My in laws are in tier 3 and we are in tier 2 so not getting together at xmas. Wouldn't have done anyway whatever government says until things have cleared up or vaccines rolled

out .The virus isn't going to take time off at xmas or count the number of people meeting !Same here. No there's no point in taking chances. We'll catch up with family and friends later in the year.

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timwilky
03-12-20, 05:51 PM
So 29 years of happyish marriage and I finally discovered part of the female psychy.
I went with her and her list to the supermarket. She normally takes my plastic. So substitute me for cost control.
So we are walking the length of the supermarket. When I realise she has passed aisle that contain list items. About turn retrieve required item continue about turn.

I realised she shops in list order. Not store order. No wonder it takes her so long with the extra mile backward forward up down. But also passing all the stuff not on her list is far too tempting not to end up in the trolley.

I hope once the bandages come off and my eye sight is restored to see her shop far more efficiently. The time she will save. the reduced walking and more appropriately the cost reduction as she no longer passes by frivolous purchases.

Wish me well for a speedy recovery.

admin
03-12-20, 07:16 PM
Lol. My wife hates shopping with me because I don't browse. Years ago when we used to go to tesco for the weekly shop we would both take a separate trolley. I would do one side of the store (with a list in store order) and she'd browse her side with no list. We'd met up at the tills.

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Bibio
04-12-20, 04:20 AM
its a gripe to me but others will no doubt like it.. its white outside :-(

shiftin_gear98
04-12-20, 09:38 AM
It was slushy here this morning.
Added to pitch blank with minimal (no) street lights. Led to an interesting ride in.

I was a little slower than normal.

DJ123
04-12-20, 08:30 PM
This is a gripe/observation of the day . . .

For those who want to get the Vaccine, are you aware the Government has indemnified Pfizer against being sued - for me, that's a sign of lack of confidence about its success rate and potential safety.

And here is the Government docs about the Vaccines, its usage, who it is/isn't safe for & potential side effects. Note it has not been tested on Pregnant people, Breastfeeding Mothers, Those looking to conceive or the impact on fertility.

Docs link (https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/940565/Information_for_Healthcare_Professionals_on_Pfizer _BioNTech_COVID-19_vaccine.pdf?fbclid=IwAR1GWyq3_HKTX2p52rIU_xbwDQ Fy0b4lgD7M67bgQ0WEXDjNZuQWBWtcT_o)

svenrico
04-12-20, 08:40 PM
This is a gripe/observation of the day . . .
For those who want to get the Vaccine, are you aware the Government has indemnified Pfizer against being sued - for me, that's a sign of lack of confidence about its success rate and potential safety.

Wasn't aware of that, so that means WE ,the public , have indemnified the drug company ! I suppose you could say though that it is a sign of confidence in the success rate and safety if the government is prepared to do that. Assuming you think the government knows what it is doing that is !!!

DJ123
04-12-20, 08:44 PM
I think more likely the opposite, i'm a sceptic; More than likely i would assume it is because it has not been fully tested to ensure it's safe, so they need to indemnify them as they're pushing for it to be produced. I imagine it is part of a deal that was struck.

Grant66
04-12-20, 08:44 PM
The adverse reactions seem to be:
Swollen lymph nodes
Headache
Bit of a sore arm.

The interesting bit is the drug interactions haven't been assessed.

With the vaccine being used on a proportion of the population that will be taking other drugs. The drug company is going to need some protection from litigation unless the gov wants to wait another few years.

svenrico
05-12-20, 12:24 AM
The adverse reactions seem to be:
Swollen lymph nodes
Headache
Bit of a sore arm.

The interesting bit is the drug interactions haven't been assessed.

With the vaccine being used on a proportion of the population that will be taking other drugs. The drug company is going to need some protection from litigation unless the gov wants to wait another few years.

That's a good point, hadn't thought of that. How are we or even doctors going to know . A lot of people as they get older will be on heart/blood pressure related medication for one thing.

Seeker
05-12-20, 07:50 AM
I will be having the vaccine when it's my turn. However, I remember the Thalidomide tragedy - they said that was safe too. It was also a German developed pharmaceutical.