Tag Archives: credit cards

A Catalogue of Disasters

The original title for this post was going to be “Named and Shamed.” The conversation in the car went something like this:

“You can’t do that.”  That would be himself speaking of course.

“Why not?”

“It’s libelous.”

“How can it be libelous if it’s the truth?”

“It just is.”

“I’ll stick to the facts. Just say exactly what happened. What’s wrong with that?”

“A large corporation can come after you and sue you to protect their name. It doesn’t matter if you’re telling the truth.”

“Well I won’t bother writing about it if I can’t name them. What’s the point of rambling on about some nameless company?”

This sorry tale then went into the trash bin in my head. It’s an increasingly large space.

But the stories nagged at me, occupied that space in my head when I should have left room for happy thoughts and gave me toothache from clenching my jaw in anger and frustration.

They say moving house is in the top three of stress-inducing life events. I think a bereavement and marriage are the other two. (Doesn’t say much for getting married.) If moving house is so stressful, let me tell you an international move is off the scale. We should have had nervous breakdowns. I nearly did.

Shortly after that conversation I read The Jaded Apothecary’s blog referring back to a post she had written in April referred to cryptically as TirecDV. After lots of bad words and humorous jibes, she’s still around writing and posting in July.

So . . . gulp . . . himself phoned our satellite TV company before our move to inform them we were leaving the country. They assured him they would cancel our contract on the agreed date and send a post paid box to return the receiver. Needless to say the box never arrived. Two weeks before our departure himself phoned again and was told the post paid box would take 36 days to arrive.

This might seem a minor complication but in amongst packing up goods (which for the suitcase and which for the packing box?), throwing out long-held useless treasures, making friends with the guy at Goodwill, seeing our truck off for an ocean cruise, arranging for furniture shipment, arguing with credit card companies, insurance companies, and the motor vehicle division, saying goodbye to friends, family and neighbors, it was nearly the proverbial straw.

The digi box was still streaming programs through to our TV the day after the agreed cancellation date so himself disconnected it, wrapped it up, put it on the doorstep and I wrote a snotty email to the company telling them it was there for collection. I told them not to bother replying to the email. They didn’t.

More than one company insisted that our U.S. credit cards could be used in Europe.

“Where are you moving to?”

“England.”

‘You can use our card there.”

“I don’t want to. I have UK credit cards.”

“You can pay your bill online.”

“I know that. I already do. But I won’t have any funds in the U.S.”

“We’ll give you a good exchange rate.”

“I’ve been changing pounds to dollars and dollars to pounds for probably more years than you have been on this planet.” (This was meant literally. I don’t know how the insistent don’t-cancel-your-card representative took it) “I know that no financial institution will give me a good rate.”

They began to cave at that point.

I came to enjoy the patter once I was expecting it so was wholly disappointed when I cancelled my J C Penney store card by pressing a few phone buttons and not speaking to anyone!

The real laugh, if you think this is funny (I don’t but I can’t help what you are thinking) is that many U.S. credit cards cannot be used in Europe as they don’t use the electronic chip and pin system in place over here.

The motor vehicle division of the particular state where our truck was registered insisted we renew the license OR ELSE! was the gist of the email. This was after himself had phoned twice and written to them twice to inform them Mr. Chevy was emigrating to Europe.

Chevrolet Silverado

The medical insurance organization for old gits with which some of you may be familiar politely requested payment for July when we’d informed them of our departure in June. In writing. Twice. Or was it three times. I forget.

I thought all the tricksters, scammers and snake oil salesmen resided in the United States until I tried to buy a car in the UK.

Here’s where I’m on really dodgy ground as the dealer is not five minutes away from where I sit. They could swoop in, serve a writ and leave me bereft of worldly goods.

I so wanted that car. It was the right size, almost the right price, economical and most importantly, the right color. The only thing missing was its history. As it sat amongst six other identical cars with similar registration number plates, similar mileages and of a similar age, himself quite rightly asked the question:

“Is this an ex-rental car?”

“Not to my knowledge,” was the answer. My radar went up. That wasn’t a yes or a no.

“Can I see the log book (registration documentation)?”

“We don’t have that here.” Why not?

“I won’t buy a car unless I see the log book first.”

“I can get it faxed from head office.” Why didn’t she offer to do that when himself first asked to see it?

When the blurry fax was put in our hands it showed that it had been owned by ERAC Ltd.

“So it was a company car, not a rental,” I said.

She nodded a little bit.

Himself, the old cynic, was not convinced so looked up ERAC Ltd. when we got home.

Guess what ERAC stands for?

Enterprise Rent-a-Car.

I did not buy that car.

I was trying to turn this into a humorous tale but feel I’ve failed. So if you’ve read this far, I thank you for your attention and possibly your commiseration. If it has amused you at my expense that’s okay too!

Good News, Bad News

This title should read: Bad News, Good News, Bad News and More Bad News. We are alive and well so it wasn’t that that bad, however . . . .

After two weeks of trying and mostly failing to sever our relationships with credit card companies, the satellite TV, phone, internet and electric companies – for the most part these companies don’t accept that there is a functioning world outside of the U.S. – Jimmy tried to check in online for our transatlantic flight 24 hours before departure.

“I don’t believe this!”

“What?”

“They haven’t got our reservation!” With the stress of packing, planning, making lists and arguing with corporate America on the phone I was surprised his head hadn’t exploded.

My heart sank but I tried to exhibit calm in my voice. “Let me try.” I carefully typed in our reservation code – 6yk2E7i14clD5CK – easy, no? and I got:

We don’t recognize this reservation.

Our furniture was gone, truck shipped, apartment lease terminated, hire car returned and taxi to the airport booked. I tried not to think through the consequences of having booked flights with a company online we hadn’t previously used.

“Have you typed your name correctly?” I asked.

“Of course I have!” said like this: “&*  #&*%@*  #  &*$#!!!”

“What name did you book it in?” I asked patiently. He has two names, first and middle, like many of us, but uses them interchangeably, unlike many of us. They were both on the screen. “Try taking that space out.”

Up popped our flight reservations effectively putting the pin back in his primed grenade head.

We celebrated with one margarita too many at happy hour. So cheap! How could we not?

The taxi turned up early the next day and we arrived at the airport in good spirits.

After the lost reservation fright on the laptop at the hotel I was unable to check in online anyway as I am to become an alien once again in the UK and I needed to be scrutinized. As I am “special” we were escorted to the head of the long queue.

The check-in clerk was either surprised at our cheerfulness at that early hour or just liked the look of us because then something magical happened. She put “security cleared” labels on our carry-ons and even on my handbag.

“You’re TSA cleared,” Tracy declared.

“What does that mean?” I asked.

“You go through the security cleared line. You keep your shoes on, you don’t have to take anything out of your bags and you aren’t x-rayed or searched.”

We swanned past dozens of sweaty, harassed-looking, bare-footed passengers and I felt like royalty. They looked at us with hate and envy.

No more Airport Gestapo for us. We had had an encounter with an airport angel.

That’s the end of the good news.

During our trans-country flight we were concerned that should our flight be late, our one and a half hour layover in New York would evaporate and we and/or our luggage would miss the connecting flight to London.

We landed in good time and rushed to the departures board to see . . . . . oh nooooo! . . . . . a four hour delay! It was our punishment for feeling smug at security in Phoenix.

Four hours turned into six hours as we waited on board for eight passengers with names the cabin steward struggled to pronounce. They never turned up. When we finally pushed back from the gate the captain assured us these eight passengers hadn’t checked any baggage but I fretted all across the Atlantic about the airline’s record keeping systems.

You will have gathered that we landed safely. Somewhere.

London, actually. Tired and stressed but all in one piece.

Jimmy drove the two hours to our accommodation through torrential rain alternating with bursts of sunshine. With the countryside looking so green after spending  140 days in the desert with no rain we were pleased to be nearing the end of this particular journey.

caravan/single-wide/park model
Our temporary home. For now. See storm clouds looming.

Our caravan/single-wide/park model/whatever-you-call-it was pristine, cozy and dry and we tumbled in with six pieces of luggage in the evening, 36 hours after our alarm had gone off one third of a world away.

Driving rain continued on and off the next day but viewed through the window from the comfort of a warm sofa and feeling slightly smug again as we watched campers dashing in and out of their tents, we didn’t care.

Until . . . . .

“Ewwwww! This carpet is wet!”

After I’d stepped in the soggy mess our eyes drifted up to the ceiling where crumpled wallpaper showed signs of water damage. We had just unpacked and put away the contents of six suitcases and one hundred pounds (Sterling, not weight) worth of groceries. Looking like Spiderman, my hands and arms outstretched, I hopped from spot to spot and patted all over the walls searching for more signs of damp.

I patted down all the recently filled cupboards and shelves. There was no sign of running water.

We waited and watched.

Somehow a small damp patch on the carpet you could feel but not see turned into a squashy obvious puddle.

We were demoralized. The campsite owners were alarmed. The maintenance men were less than sympathetic.

“You didn’t know a swimming pool was included in the price of your rental did you?!”

Oh ha.

“You should have popped down the shops and bought some wellington boots and charged them to the campsite!”

Ha bloody ha.

Long story short . . . oh wait, too late for that . . . we have to move.

Our caravan has been condemned.

It could only happen to us.

English bottoms
Remember the view from our balcony? This is our view now. What do you think of it?

No Credit? !*#@!

How were we to indoctrinate ourselves back into civilization without credit cards to abuse? Accustomed to being saddled with debt for years in the U.K. and Europe to the delight of all the corporations involved we faced the most extraordinary situation on arrival in the United States – not creditworthy! Credit history is stored under one’s social security number. The problem was that Jimmy didn’t have a SSN on arrival in the U.S. and mine had been inactive for 30 years. I didn’t have a bad credit history, just a curiously dormant past having been an ex-pat.

To get a credit card with our bank (a large multi national organization that doesn’t recognize that anyone outside of the United States has a credit history) I was required to deposit with the bank whatever amount of money I wanted as a credit limit, say $500. I could spend the $500 of my own money that I had deposited with them but then must pay my own money back to the bank each month. At the end of six months my account would be reviewed and “some restrictions may be lifted.”

Jimmy and I were both angry about this ridiculous requirement and got a bit snappy with each other because of our credit-card-free predicament, which was unfortunate as we can get snappy with each other without outside provocation. We’d made deposits to the electricity company and the phone company but the bank’s requirements were just the last straw. That and we don’t like banks.

After much wrangling (not with the stingy bank) I am now the proud owner of two U.S. credit cards – one with a credit limit of $300 and the other with a credit limit of $500. So I am blessed with a total of $800 of credit in the U.S. despite the fact that my two UK credit cards have a credit limit of, well, quite a bit more than that.

Note: Five years later, the credit limit is still restricted to $800. What gives?

Second note: I still don’t have a credit card with the bank. I say let them struggle along without my credit card business.