The HfP chat thread – Wednesday 25th November

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• Matt says:

  25 Nov25 November 16:01

  I’m sure this has been answered before, so sorry: are there any interest or charges from paying Amex using Curve backed by MBNA?

  • TGLoyalty says:

    25 Nov25 November 16:32

    Not from experience but believe things changed on Thursday so proceed with caution

    • Matt says:

      25 Nov25 November 16:48

      What changed? Haven’t seen anything reported at either end.
      Thanks

      • Matt says:

        25 Nov25 November 16:59

        Actually, doesn’t matter as Fronted kills the benefit for me.

      • TGLoyalty says:

        25 Nov25 November 17:47

        Reports of MCC changes

  • Mike says:

    25 Nov25 November 16:53

    Paying Amex using Curve backed by HSBC dosent work for me.

• Christopher Ingold says:

  25 Nov25 November 16:02

  Does anyone have data points for the date that LBG sends customer data to the credit reference agencies each month?

  • 747_Brat says:

    25 Nov25 November 17:22

    I recently switched to Lloyds Current Account. The account was added to my credit file on 18th of next month.

  • Andrew says:

    25 Nov25 November 17:51

    Which brand?

    BoS Current Accounts & Visa Card – Never
    Halifax Current Account 19th
    Lloyds Current Account 18th

    (My First Direct accounts also do not appear on any Credit Agency site)

    • The real John says:

      26 Nov26 November 06:56

      Have you had the non-appearing accounts for a very long time (20+ years) before reporting was included in T&Cs?

  • The Urbanite says:

    25 Nov25 November 22:04

    I find it’s your account balance round about the 9th of each month, but only if there is a balance.

    If you had a £10k balance reported the previous month then completely clear it, LBG won’t report that in my experience so I recommend having a balance of at least £1 at any one time.

    • Charlieface says:

      25 Nov25 November 23:05

      Most banks work like this. If you don’t hit their monthly date it’s not reported

• Marc says:

  25 Nov25 November 16:10

  Have people received partial refunds (or partial FTVs?) from the recent(ish) 50% off sale?
  We cancelled an existing booking for an FTV, then rebooked at 50% off back on Oct 7th. The agent on the phone did say that it’d take a while for the remainder of the FTV to be credited back but not sure if 7 weeks+ is normal so anyone else’s experience would be appreciated.

  • GT says:

    25 Nov25 November 17:29

    We did exactly this back in Oct. The residual value of the FTV was in my inbox in the form of an eVoucher within 24hr.

  • Paul says:

    25 Nov25 November 17:36

    Also booked on 7th Oct (for JNB in March), Avios re-credited and charged again on 4th Nov, wrong amount, no 50% discount applied, but not chased that yet, and an email confirming a new e-voucher for difference in ‘taxes’ arrived on 18th Nov. The ‘new’ FTV has the amount it’s worth tacked on to the end of the code, /125XXXXXXXXXX/GBP79.
    Hope that helps…

  • PK says:

    25 Nov25 November 19:55

    I did receive the refund in cash for two bookings. For one booking refund didn’t take long as they need to reticket quickly and for the other maybe it took 5 weeks.
    It depends on your travel date for the refund , I believe it’s not before January.

• James says:

  25 Nov25 November 16:38

  Should be a simple question, but can’t figure this out!
  If I book a BA return to Europe now, say LHR-MAD-LHR, then want to alter just the return flight (date change or cancel) under the ‘Book with confidence’ policy, what happens?
  Do I have to reprice the whole flight for a change? Or to cancel, is there any way to just drop the return?

  • Rob says:

    25 Nov25 November 17:04

    Cash ticket? It would trigger a reprice.

    • James says:

      25 Nov25 November 17:13

      Yes, cash.
      Often slightly cheaper to book as a return rather than one-ways, plus can use the 20% at the moment!
      But I may well want to change the return date closer to the trip. So that would require a reprice of the whole return flight? What happens if you want to change it after flying the outbound? Be useful to know so I can compare against buying as one-ways.

• Jack says:

  25 Nov25 November 16:52

  Does anyone have any suggestions as to hotels that do wfh packages in Esher/Kingston? I want something similar to the Marriott package with parking, 6am check in and 6pm check out along with an overnight stay. This is for the week after next, the Marriott at Heathrow is a bit far away for my needs.

  • Polly says:

    25 Nov25 November 23:35

    Ring the managers at the the Ship hotel and Oatland’s park hotel in Weybridge. They could be very flexible. At least l know they were before times with people we know a while back.

• Gormlesstraveller says:

  25 Nov25 November 17:10

  There is a revolutionary competition for setting up a regular crypto purchase. My only interest in that is the potential MS opportunities but does crypto still cause red flags at mainstream banks in terms of ML?

  • memesweeper says:

    25 Nov25 November 19:21

    absolutely 100% yes
    using revolut as a ‘buffer’ would probably mean the regular banks would never know

    • Gormlesstraveller says:

      25 Nov25 November 23:45

      thanks..

  • The real John says:

    26 Nov26 November 07:00

    You don’t really hold the crypto with revolut. It’s like buying a swap managed by revolut

• George K says:

  25 Nov25 November 17:18

  FYI: St Ermin’s hotel – which promoted a £120 anniversary rate throughout the rest of the year – will now shut shop and plans to reopen on the 3rd of January.

  • Andrew says:

    25 Nov25 November 18:12

    That sounds like what my brother and I paid each for our parents to have 3 nights DBB including rail travel on a “Stakis Superbreak” to the St Ermins for their anniversary in the 90s.

  • TGLoyalty says:

    25 Nov25 November 19:08

    Bankside (£125 a night) also closed until January.

    • memesweeper says:

      25 Nov25 November 19:21

      yup, just had my cancellations through 🙁

      • TGLoyalty says:

        25 Nov25 November 20:07

        Put a spanner in my plans going to hold off to see if there are any Black Friday deals.

      • Tom says:

        25 Nov25 November 21:44

        Hmm have a booking for 28 Dec, not showing as cancelled yet… crossing fingers!

        • TGLoyalty says:

          25 Nov25 November 22:42

          Unfortunately they probably just haven’t got round to canning it. The email said they won’t be open until jan.

    • Michael C says:

      25 Nov25 November 19:41

      Yiiikes was literally going to book a family double-room tomorrow a.m.!

• Liam says:

  25 Nov25 November 18:28

  Reuters is reporting that the US government is considering lifting the ban on non-US citizens arriving from the UK and Europe.

  https://www.reuters.com/article/health-coronavirus-usa-travel/exclusive-white-house-considers-lifting-european-travel-restrictions-sources-idUSKBN2851EP

  • Anna says:

    25 Nov25 November 18:53

    Interesting but I’m not sure I would actually want to go just yet!

    • Polly says:

      25 Nov25 November 23:39

      Thinking the same. We have SEA booked for March, trusting Biden would win, and they might now get c19 under better control. But still looking doubtful. It’s a big birthday for the OH, so still hopeful. On a 241 in F so even better value in that avios sale. ..
      At least we get to see our kids for Christmas…

    • Jonathan says:

      25 Nov25 November 23:40

      It’s when the UK government give the country the green light to travel there, given how bad coronavirus is for them, it almost certainly won’t be anytime soon, maybe not until 2022

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