A Curious Problem With My Credit Cards
A few months ago, I tried to order some goods from IKEA for my kitchen. They weren’t delivered and my credit card wasn’t debited, so the only harm done was I waited in for a whole day for a non-delivery.
Over the next couple of months, I tried several times to repeat the order, but in no cases was it ever completed. Immediately, When I entered the details of either of my credit cards, the order disappeared.
To solve the problem, I took a bus to IKEA in Tottenham and placed the order personally, paying with my American Express card at the check-out. I also got the direct e-mail address of the Kitchen Department and sent them a couple of e-mails to assure them, that if they didn’t deliver, they’d be deep in the doodah.
The goods were eventually delivered on the day, but the driver’s sat-nav got him lost in the mews at the back of my house.
I put it down to some form of problem with the delivery system, that checks the credit rating of the purchaser. But as Experian have confirmed, my credit rating is good and the only problem, is that I’m not correctly on the Electoral Roll. And that’s not for dint of trying, but for some reason they seem incapable to get it right!
However, today I needed to buy a coach ticket from National Express for the Ipswich-QPR match on Boxing Day.
So I entered my details to buy the ticket and tried to pay by credit czrds. Both were rejected.
I phoned both credit card suppliers and there was no problem with either card.
As a last resort, I phoned National Express direct and bought the ticket traditionally from the Call Centre at the cost of a long phone call and a booking fee.
But it wasn’t without trouble.
Both my credit cards were rejected by the system used by the very patient Colin in the Call Centre, as was my debit card.
Their system knew about me from my previous four failed attempts to buy tickets on-line and I wondered if it was rejecting them because of my address, which was on some sort of blacklist.
I’ve often thought this, as my house was tenanted for several years before I bought it and the tenants did runners leaving piles of debts to several companies.
In the end, Colin and I felt this was all rather silly, so I thought about trying an alternative e-mail address, as this was probably the key used to access my address on their computer.
It worked and I got my ticket.
Intriguingly in both cases, I got my goods or tickets, when I broke the link between debit/credit card address and the address for the card.
In IKEA, this was by putting the AMEX card through a till and with National Express, it was by giving them an e-mail address for which they had no physical address details.
I am drawn to the inevitable conclusion, that software checks my address against County Court Judgements. And I think there could be a lot of them, due to the history of the property!
Surely, if I can’t purchase on-line, because of the debts of previous owners or their tenants, who lived here, before I bought the house, then that is illegal!
The only way to lose them, would be the same way to get rid of bindweed from your garden. Move!
Unless of course, someone reading this knows better?
I Wouldn’t Trust Santander’s Banking
Yesterday and today, I received two letters from Santander, correctly addressed to someone I’d never heard of at my address.
I should say, that I get a lot of junk mail addressed to previous tenants and I’d never seen the name before.
These are the two letters.
Two Letters From Santander
I suspect that if I’d been dishonest, I could have got access to their money, so they are now safely in a letter to Santander.
I have other reasons for not banking with Santander, like the fact that I will not bank with an organisation, that is not domiciled in the UK and preferably England.
But after this, I wouldn’t trust them to keep a brass farthing safe!
I think what is more important here, is that surely a bank would check you lived at the address you gave. Or at least had permission to collect mail from there!
Battery Trains In Japan
Some think I’m wrong about battery trains and believe they will never catch on! But none of the doubters are engineers or physicists, and perhaps more importantly none rode the amazing Class 379 BEMU, when it was being trialled last year in Essex.
I have just searched for battery trains and found this article on the Rail Journal web site entitled Battery-Electric Trains For Japan’s Oga Line. This is said.
EAST Japan Railway Company (JR East) has announced plans to carry out trials with ac battery-electric multiple units (BEMUs) on the 26.6km Oga Line in Japan’s northern Akita prefecture from Spring 2017.
But this is not an experiment, as this is said later.
The Oga Line will be the second line on the JR east network to benefit from BEMU operation, following the introduction of EV-E301 series trains on the Karasuyama Line in Tochigi Prefecture in March 2014.
If the Japanese use BEMU (IPEMU in the UK!) technology in daily service, it can’t be their version of Mickey Mouse! The train is called an EV-E301, and looks a professional train, even if a bit spartan for use in the UK.
I just wonder when George Osborne makes his Autumn Statement today, will he be announcing new battery-electric trains or IPEMUs for all?
In my view, it’s the only way to electrify large parts of the UK and reduce the costs of electrification!
Torotrak Share Price Rises
On of my Google Alerts picked up this article from www.financialmagazin.com which is entitled How Analysts Feel About Torotrak plc After Today’s Huge Increase?
Torotrak is an engineering company behind some kinetic energy recovery systems, that are seen in motor sport like Formula One. But the technology also has applications in the general motor industry to save fuel and we all know the hole VW has dug for itself.
But could the rise in the share price be driver by the big event happening tomorrow – The Chancellor’s Autumn Statement?
Probably not, but Torotrak’s system might be part of a suitable energy storage system for an Independently Powered Electrical Multiple Unit or IPEMU.
One of George Osborne’s biggest problems is funding the electrification of the railways, as if we are to modernise this country, then most rail lines need to be electrified or at least provided with modern trains.
I believe that the IPEMU is one solution to reduce costs, by avoiding the horrendous problems and costs of putting up the wires.
So will George go for it?
My Useless John Lewis Credit Card Statement
I recently bought a winter coat in Marks and Spencer. The zip has gone, so I want to find the store, where I bought it, as I use several of the large ones in London regularly. I probably bought it with my John Lewis credit card, so all I need to find is a transaction at over a £100 for Marks and Spencer to get a date and store.
But I can only get the last statement as a spreadsheet, which just gives dates, values and not the store. It’s not even formatted to the sort of level, that a child of six could program.
Quite frankly it’s utter crap!
Unlike with Amex, which gives you everything you need to trace purchases, in an easy-to-read clickable format.
Do John Lewis expect me to keep paper copies of all my purchases?
Paper is so Nineteenth Century!
Thoughts On Credit Cards
I have recently been trying to buy something on IKEA using my John Lewis Partnership Card, which is managed by HSBC.
Twice it has gone through IKEA’s site, but then HSBC have deemed the transaction to be fraudulent and have cancelled it. In one case I waited in all day for a non-existent delivery.
My other preferred on-line card is American Express, which seems to have developed a clever way of card checking. They ask if they can look up your location using your connection, as obviously, if that corresponds to the card and delivery addresses, there is a high chance that the transaction is genuine.
But IKEA doesn’t take Amex and as I don’t use my Visa card on-line because of the dreaded Verified-by-Visa waste of time and space, I was a bit stumped on how to order the next phase of my kitchen.
Then this morning, I tried the Visa and guess what? The Verified-by-Visa didn’t kick in. So perhaps, Nationwide and IKEA have come to my conclusion, that it is a hindrance to business against their joint interest.
Let’s hope the delivery gets through this time!
Terrible Credit Card Reporting
Because I had a couple of my cards cloned, if I’m at home, I usually check them every morning.
As someone, who made millions by writing good reports for computer users, only one of my cards and banks has a proper reporting system, that you can use however you want.
And that is American Express!
For a start, when you look at recent transactions, they are shown by default on AMEX with the last transaction first. However all my other cards and statements are shown with the most recent last. So as one card is used a lot for small transactions, I have to scroll down to the bottom to check the transactions.
Also on AMEX, you can change the order to what you want, so perhaps if you want to locate a transaction at say Virgin Trains, you can put the descriptions in order and then scroll to V.
Why do Banks and Credit Csrd companies treat us with such contempt?
Some are a total disgrace!
If AMEX can do it, why can’t the others?
Because they don’t care about customers!
So if you’re thinking about changing your bank, make sure you have a run through the reporting of the new bank first.
In my experience most are total crap!
Zopa Lobbies For Peer-to-Peer Loans To Go In Pension Pots
My Google Alert for Zopa picked up this article from Yahoo, who got it from the Telegraph.
The title of this post and the Yahoo article says it all.
If pension pots end up in Zopa and the other sound peer-to-peer lenders, just what is this going to do for banks, as it will probably mean that all the decent personal loan business in their hands will go to the peer-to-peer lenders.
I wouldn’t think bank shares look to be a good long term investment.
The growth of Zopa might have an interesting side effect. Imagine a group of friends having a quiet drink in a pub and one of their number turns up in a shiny new car. On discussing the purchase, the buyer reveals they bought it with a Zopa loan, that they got at a good rate, because they have a good credit rating. So will their jealous friends, decide to do something about their dodgy finance, so they too, can have a decent set of wheels.
Peer pressure can work in mysterious ways.
If it does encourage people to clean up their finances, Zopa will have achieved something, that financial commentators and politicians have been trying to do for years!
I think too, that Zopa, which has just lent its billionth pound, is now getting too big for politicians to stop or even nationalise. Which probably means that money in Zopa is even more secure.
My Credit/Charge Cards Got Cloned
I use an American Express Charge Card for my travel, for the insurance and also because, if I know I’m picking up rail tickets, I don’t have to think which card I’m using. It is contactless, so I kep it separate from my Freedom Pass to avoid card class and often I don’t take it out with me.
I also have a John Lewis Partnership Card, which I use for everyday purchases and on-line, as it doesn’t use that non-protection system Verified by Visa, which is a pain in the arse.
Over the last two weeks, both have been cloned and used online for substantial purchases. With both cards, the fraud protection systems at the card companies picked up the illegal uses and the cards were stopped , causing me the hassle of having to update various web sites, where the card is stored.
So how did the cards get cloned?
I’m not sure, but both of the card statements often come in the post on the same day. I doubt it’s anything to do with the Royal Mail, although because they are moving buildings in the main sorting office that serves me, there has been a couple of things that have gone astray or turned up late.
Normally, when the statement arrives, I put it by my computer and pay it the next time, that I go on-line. I then shred the statements.
But I’ve been away a lot in the last month or two and I’ve had builders around, which caused the shredder to be out-of-use for a time.
So perhaps I was less than zealous in shredding a statement!
I suspect that as I put the green sacks for recycling outside late on a Wednesday night, someone has been raking them over and removing ones that might be promising
One thing I have done is make the American Express card paperless, so there is nothing incriminating from that going in the rubbish.
Unfortunately, the John Lewis card has no paperless facility and as it is not contactless, I am seriously thinking of giving it the order of the boot. It will certainly be going into temporary retirement.
In fact, I would say don’t get a new credit card unless the following conditions apply.
- The card’s call centre and processing is based in the UK.
- All statements can be paperless.
- Past statements are available on-line in an easily readable form.
- Cards are contactless.
I think contactless cards are important. Most contactless payments are in big retailers or in London on transport. Transactions are probably caught on CCTV and there is often no handy piece of paper that could be taken by untrustworthy staff. The twenty pound limit also means that you can’t use them for the sort of purchases criminals like.
I have worked on very secure projects in the past and only access my bank accounts from one computer that never leaves my house.
People ask me if I would use ApplePay or the future AndroidPay. I certainly would, as if say the system was cloned and I lost money, Apple or Google would be finished. Until proven otherwise, I feel that they are more secure than contactless cards.
If you worry about contactless cards, just reflect on the fact, that I have been unable to find any negative comment about their use on London’s transport system, which is one of the largest contactless card-based systems in the world. There are so many out there who hate Boris with an absolute passion, that if anything had happened, it would be repeated ad infinitum.
The weak link in all these systems isn’t the technology, it’s the fact that we do stupid things, like drop our phone or card (Guilty, as charged!) and that criminals end up in retailers and card companies in positions, where they have access to sensitive data.
How can you be sure, that the nice man in the corner hardware store hasn’t taken your card details and sold them on to someone, who has the knowledge to take card numbers, expiry dates and names and addresses to defraud on-line retailers and service providers?
The Smart Money’s On Isis Destroying Itself
This is the headline on a serious piece in the Times by Ed Conway, which talks about Islamic State and there adoption of gold as their currency!
If you can get a copy of yesterday’s Times read it.
There’s more details here in Wikipedia.
Ed’s piece is a fascinating article and it shows how crazy these cruel male chauvinist pigs are!
I know we have problems with our current monetary standard, but no serious central banker or politician would suggest opting for a metal based currency.
I wonder what Islamic State think of bitcoins?
The Anonymous Widower 