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  3. They haven't learnt. Tsch. Banks.

They haven't learnt. Tsch. Banks.

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  • R Offline
    R Offline
    Rob Philpott
    wrote on last edited by
    #1

    Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

    Regards, Rob Philpott.

    N B E D H 6 Replies Last reply
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    • R Rob Philpott

      Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

      Regards, Rob Philpott.

      N Offline
      N Offline
      NormDroid
      wrote on last edited by
      #2

      That is why this[^] was created.

      Software Kinetics - Moving software

      R 1 Reply Last reply
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      • N NormDroid

        That is why this[^] was created.

        Software Kinetics - Moving software

        R Offline
        R Offline
        Rob Philpott
        wrote on last edited by
        #3

        That's good, but I honestly doubt it would make any difference.

        Regards, Rob Philpott.

        N H S 3 Replies Last reply
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        • R Rob Philpott

          That's good, but I honestly doubt it would make any difference.

          Regards, Rob Philpott.

          N Offline
          N Offline
          NormDroid
          wrote on last edited by
          #4

          Oh it does, haven't had junk mail for years. Give it a couple of months to kick in after registering. You'll definitely see the difference.

          Software Kinetics - Moving software

          1 Reply Last reply
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          • R Rob Philpott

            That's good, but I honestly doubt it would make any difference.

            Regards, Rob Philpott.

            H Offline
            H Offline
            hairy_hats
            wrote on last edited by
            #5

            Oh yes it does! And the phone one works wonders too.

            R 1 Reply Last reply
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            • H hairy_hats

              Oh yes it does! And the phone one works wonders too.

              R Offline
              R Offline
              Rhuros
              wrote on last edited by
              #6

              Yep the TPS worked wonders when I was registered at my old address... The best bit about the TPS was on the rare occasions when you got a cold call and asked the caller "how did you get my number as I'm part of the Tele-Preference service", you'd get a lovely apology and they'd scuttle of an not bother you again...

              OriginalGriffO 1 Reply Last reply
              0
              • R Rob Philpott

                That's good, but I honestly doubt it would make any difference.

                Regards, Rob Philpott.

                S Offline
                S Offline
                Simon Capewell
                wrote on last edited by
                #7

                It might not in this specific case, but it definitely gets rid of all those annoying unsolicited credit card applications. Where you've bought a product (interest free credit in this case) you just need to be really careful to tick (or not tick) the "Yes! Tell me about all your other crap products and anyone elses crap products that you happen to know about" boxes on the application form. The DFS salesman may have been sneaky and filled the form in for you.

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                • R Rob Philpott

                  Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

                  Regards, Rob Philpott.

                  B Offline
                  B Offline
                  Brady Kelly
                  wrote on last edited by
                  #8

                  Rob Philpott wrote:

                  Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account.

                  They don't think very much of your dreams.

                  You really gotta try harder to keep up with everyone that's not on the short bus with you. - John Simmons / outlaw programmer.

                  R 1 Reply Last reply
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                  • B Brady Kelly

                    Rob Philpott wrote:

                    Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account.

                    They don't think very much of your dreams.

                    You really gotta try harder to keep up with everyone that's not on the short bus with you. - John Simmons / outlaw programmer.

                    R Offline
                    R Offline
                    Rob Philpott
                    wrote on last edited by
                    #9

                    Good point. How dare they condescend to tell me that my dreams can be paid for a measly grand! I have slightly higher asperations than that. Like one of those new LED TVs for instance. They're over a grand.

                    Regards, Rob Philpott.

                    1 Reply Last reply
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                    • R Rhuros

                      Yep the TPS worked wonders when I was registered at my old address... The best bit about the TPS was on the rare occasions when you got a cold call and asked the caller "how did you get my number as I'm part of the Tele-Preference service", you'd get a lovely apology and they'd scuttle of an not bother you again...

                      OriginalGriffO Offline
                      OriginalGriffO Offline
                      OriginalGriff
                      wrote on last edited by
                      #10

                      I never got the apology - just a dead line. Nowadays I ask ask them to "hold while I get the person who deals with that". Pick up the phone every five minutes "He won't be a moment!" and back on hold before they can reply. Strangely, they don't call again...

                      No trees were harmed in the sending of this message; however, a significant number of electrons were slightly inconvenienced. This message is made of fully recyclable Zeros and Ones

                      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
                      "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

                      N 0 2 Replies Last reply
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                      • OriginalGriffO OriginalGriff

                        I never got the apology - just a dead line. Nowadays I ask ask them to "hold while I get the person who deals with that". Pick up the phone every five minutes "He won't be a moment!" and back on hold before they can reply. Strangely, they don't call again...

                        No trees were harmed in the sending of this message; however, a significant number of electrons were slightly inconvenienced. This message is made of fully recyclable Zeros and Ones

                        N Offline
                        N Offline
                        NormDroid
                        wrote on last edited by
                        #11

                        Thanks for the tip, I try this on the next unsolicited phone call (not that I get that many anymore).

                        Software Kinetics - Moving software

                        1 Reply Last reply
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                        • OriginalGriffO OriginalGriff

                          I never got the apology - just a dead line. Nowadays I ask ask them to "hold while I get the person who deals with that". Pick up the phone every five minutes "He won't be a moment!" and back on hold before they can reply. Strangely, they don't call again...

                          No trees were harmed in the sending of this message; however, a significant number of electrons were slightly inconvenienced. This message is made of fully recyclable Zeros and Ones

                          0 Offline
                          0 Offline
                          0x3c0
                          wrote on last edited by
                          #12

                          Alternatively, act as a secretary and ask them to confirm who they are before they can get through. If they refuse, then hang up. If they can do that, then use every buzzword in the book. "Hello, how may I achieve a positive direction synergy with your products and facilitate the sacrifice of telesales people to appease the lunar cycles?"

                          1 Reply Last reply
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                          • R Rob Philpott

                            Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

                            Regards, Rob Philpott.

                            E Offline
                            E Offline
                            Ennis Ray Lynch Jr
                            wrote on last edited by
                            #13

                            To paid in Cash. Consumer credit spending is equally to blame :p

                            Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                            D 1 Reply Last reply
                            0
                            • R Rob Philpott

                              Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

                              Regards, Rob Philpott.

                              D Offline
                              D Offline
                              devvvy
                              wrote on last edited by
                              #14

                              some derivative trader probably already created some sort of exotic derivative product on the back of loans to be sold! ... and you know what, at the same time another part of the planet some quant is churning out "Models" on it! ... and some hours later broker has begun selling people the product ... and by noon tomorrow fund manager who's supposed to look after your retirement might have already put it on the portfolio!

                              dev

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                              • E Ennis Ray Lynch Jr

                                To paid in Cash. Consumer credit spending is equally to blame :p

                                Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                                D Offline
                                D Offline
                                devvvy
                                wrote on last edited by
                                #15

                                i like spartan (and Egyptian) way of life just need a piece of white clothe around your bottom and a spear and nothing more such worry free life

                                dev

                                E F 2 Replies Last reply
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                                • D devvvy

                                  i like spartan (and Egyptian) way of life just need a piece of white clothe around your bottom and a spear and nothing more such worry free life

                                  dev

                                  E Offline
                                  E Offline
                                  Ennis Ray Lynch Jr
                                  wrote on last edited by
                                  #16

                                  :p

                                  Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                                  D 1 Reply Last reply
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                                  • E Ennis Ray Lynch Jr

                                    :p

                                    Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                                    D Offline
                                    D Offline
                                    devvvy
                                    wrote on last edited by
                                    #17

                                    kiss!

                                    dev

                                    E 1 Reply Last reply
                                    0
                                    • R Rob Philpott

                                      Lloyds TSB sent me my monthly 'we've approved your loan' letter again today. "A reality cheque for your dreams" it says on the outside of the envelope. Inside there's a fake cheque made out to me for £1000 (down from the £3000 of recent months). All I have to do is 'activate my priority loan today' and the money's in my account. Have these morons learnt nothing about reckless lending? I think this practice should be outlawed. It's my own fault really. Bought a sofa at DFS last year and the compulsary interest free credit is managed by Llyods. Should have done what decent people do and gone to John Lewis. Right, grumble over and on with some work.

                                      Regards, Rob Philpott.

                                      H Offline
                                      H Offline
                                      hairy_hats
                                      wrote on last edited by
                                      #18

                                      Rob Philpott wrote:

                                      DFS

                                      The permanent sale people? I don't trust them because of that alone. I once bought a small rug from CarpetRight and they asked for my name and address. I asked why and he said for the card payment, and I said well I don't give Tesco that information when I buy food so you don't need it either. He then wrote slowly and deliberately "Customer refused to give address" across the (large) receipt. I've never been back.

                                      1 Reply Last reply
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                                      • D devvvy

                                        kiss!

                                        dev

                                        E Offline
                                        E Offline
                                        Ennis Ray Lynch Jr
                                        wrote on last edited by
                                        #19

                                        That was such a funny movie, I am glad that I wasn't the only adult that watched it.

                                        Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                                        D 1 Reply Last reply
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                                        • E Ennis Ray Lynch Jr

                                          That was such a funny movie, I am glad that I wasn't the only adult that watched it.

                                          Need custom software developed? I do C# development and consulting all over the United States. A man said to the universe: "Sir I exist!" "However," replied the universe, "The fact has not created in me A sense of obligation." --Stephen Crane

                                          D Offline
                                          D Offline
                                          devvvy
                                          wrote on last edited by
                                          #20

                                          which one "300"? I thought it's very inspiring gives me guidance how to live like a man!

                                          dev

                                          E 1 Reply Last reply
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