The HfP chat thread – Tuesday 5th January

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• kitten says:

  5 Jan5 January 18:25

  the lady known as Nick_C has been around a lot longer than you and made a sustained contribution to the community here over that time. I hope she continues.

  You and your colleague below do not appear to have made such a contribution although you would be welcome to.

  Meanwhile if obeying the law and protecting others is inconvenient to you then it’s a bit disappointing that you appear to be personally criticising a well established helpful poster who gently is requesting would-be travellers comply, for now

  • TGLoyalty says:

    5 Jan5 January 18:32

    Obeying the law and protecting people.

    If there is such a compulsion to protect people why does the law matter?

    Staying at home would have been the right thing to do regardless of what Boris’ advice was between Feb and now.

  • Tocsin says:

    5 Jan5 January 18:32

    +1, kitten!

  • Cat says:

    5 Jan5 January 18:43

    Because not everyone possesses such a compulsion TGLoyalty – some people only care about themselves.

    + 1 Kitten – Nick_C knows her stuff, and appears to be pretty well aware of the facts, and more than capable of analysis.

    • TGLoyalty says:

      5 Jan5 January 18:59

      Sounds like most only care about the law though …

      • Cat says:

        5 Jan5 January 20:04

        I’m of the (increasingly rare) opinion that people should care about morality and legality, but I think you’re right about that TGLoyalty, sadly.

  • Jamie says:

    5 Jan5 January 18:58

    Never heard of you either so that’s fine. “Gently requesting” aka repeatedly making sanctimonious, unhelpful posts. Helpful about nothing except guilt tripping people etc.

    • Nick says:

      5 Jan5 January 19:08

      People pointing out restrictions and the reasons behind them are welcome. It’s called community, and diversity of thought. And if you can’t accept people with opinions different from your own, maybe you should bugger off somewhere instead.

      • Jamie says:

        5 Jan5 January 19:57

        +1 Nick (from a VERY different Jamie)

      • Cat says:

        5 Jan5 January 20:07

        That’s because you’ve been here for about 5 minutes, Jamie.

        This sort of hostile, insulting post is exactly why we’ve lost some of the most helpful, knowledgeable members of our wonderful community in recent months.

    • Blindman says:

      5 Jan5 January 19:09

      If you don’t like it then don’t read it….

      I skim over all the Amex stuff, Bendy, beardy Che (?) etc

      IMHO Covidiots do need reminding that this is a serious virus for some, even if not for them

      • marcw says:

        5 Jan5 January 19:45

        … and like with any contagious disease, healthy people are there to protect the vulnerable. That’s why following the rules and recommendations is paramount (including vaccination). Thanks for all your valuable analysis and information you provide.

• WaynedP says:

  5 Jan5 January 19:01

  VS flight to JNB on 18 Jan just been cancelled (as expected).

  This should also solve the problem for the recent poster regarding her son’s flight with VS to CPT on 9 Jan.

  • Ben says:

    5 Jan5 January 19:22

    Ah mine has been cancelled on the 19th Jan. Shame as it was in the VS sale for £999.

    Let’s hope they run another sale.

    I do wonder what they mean by “ Your ticket will automatically remain open and you can rebook to travel before 31DEC22.” is that the voucher

    • Danny says:

      5 Jan5 January 20:29

      yes it’s basically a voucher. but instead of giving you a voucher code they just leave the booking ref in the system with “OPE -> NTK” as the route, a record of how much you paid, and you can phone them some other time and slot a new route into the booking

    • Charlieface says:

      5 Jan5 January 21:05

      You can always demand a rebooking under EC261

• Boi says:

  5 Jan5 January 19:09

  So I have been asked to provide source of funds by Revolut. What should I expect?

  Will they continue to serve me once everything is done or is this inevitable closure no matter what I do?

  • Grant says:

    5 Jan5 January 19:17

    Based on the experience of others who write about it here, the latter.

  • Genghis says:

    5 Jan5 January 19:21

    Does your SoF support your spend? Good luck – you’ll need it!

    • Boi says:

      5 Jan5 January 19:27

      Well, if we look at combined salary and savings it could…. but I guess I need loads of luck.

      If it is going to be closed anyway can I just do nothing without through the hussle?

      • Alex says:

        5 Jan5 January 19:43

        If you have no funds currently sat in your Revolut then I would potentially just walk away and find another path. If you have money tied up with them then I would go through the process, especially if your funds can cover the amount. Let us know how it goes!

        • Blenz101 says:

          5 Jan5 January 19:59

          You are obliged to cooperate with their investigation under clause 19.1.

          I would provide them with whatever they ask and wait for them to close your account for a breach of their terms (abuse of services or similar).

          If you refuse and attempt to just walk away then it is much more likely they will close the account with a presumption of fraud. If you want credit in the future, even a remortgage, then you really don’t want them reporting fraud markers to credit reference agencies / CIFAS.

        • Harrier25 says:

          5 Jan5 January 21:22

          They’ve requested proof of funds from me twice…in October and last month and to date, they haven’t yet bothered to review any of my uploads. You can’t even get an online chat with an adviser. Revolut are in a complete mess!!

  • Blenz101 says:

    5 Jan5 January 19:49

    I’ve advocated on several other threads about the massive care needed when gaming the system with cards such as Revolut. They have the technology and systems in place to notice when cardholder behavior is abnormal.

    Take a look at clause 19.1, they will of course decide if any of these apply and if the activity is suspicious enough to inform other agencies.

    And yes, I accept it is possible you have just hit a spend limit and have not been involved in any questionable behaviour. BUT, given you asked the question on this site on a thread which talks about this type of activity almost daily I think the warning remains relevant.

    • Boi says:

      5 Jan5 January 20:13

      Thanks for input. I have done forex exchange a lot this week. Simply because I am trying to move funds after relocation. They haven’t actually blocked me yet. I can still move the money out.

      • Alex says:

        5 Jan5 January 20:27

        I am curious to know what levels of top-up’s you’ve been doing if you’d be willing to share? Also how do you move funds out, bank account or purchases etc?

      • BJ says:

        5 Jan5 January 21:13

        Good luck with this Boi, and I hope the move went well.

        • Boi says:

          6 Jan6 January 00:29

          Thanks BJ. Move went very well. We are just waiting fir covid to be over (don’t we all) to start exploring Canada.

          And thanks guys. They have not blocked me yet, which is a positive for now. I really like Revolut, so far they have offered excellent exchange rate.

    • TGLoyalty says:

      5 Jan5 January 20:13

      Tbf it’s not always a means to closure. I was asked for evidence, I provided and it was unlocked and I have used it for various reasons over the 18 months since.

      But I’ve never abused any of my many routes I’ve just put through what I know I can justify through salary, savings and a bit of BS. Though not if they were all to talk to each other ofcourse 😉

      • Boi says:

        5 Jan5 January 20:37

        As I said, I can actually prove the source of funds. I was transferring from my savings to Rev then to bank account in Canada. Ofcourse the savings went via cc. That is the abuse in this instance.

        • TGLoyalty says:

          5 Jan5 January 20:44

          Perhaps just a rap on the wrist.

        • BJ says:

          5 Jan5 January 21:19

          Possibly just because you moved the funds overseas. Briefest of proof you had funds here and that you are now settled and living there is all it’ll take.

        • Harrier25 says:

          5 Jan5 January 21:32

          As I’ve said in this thread above, they asked me for proof of income and a business bank statement, first in October and again last month. I’ve not taken the micky and have uploaded more than they requested. They haven’t reviewed any of the uploaded documents yet and I haven’t been blocked. I have started using the debit card for day to day purchases hoping that will assist my cause. I do feel that too many on here wish to be dramatic rather than helpful!

  • Colin MacKinnon says:

    5 Jan5 January 22:09

    Partner just got one. She has never done anything untoward. Two recent c1,000 euro transactions for accommodation. That’s it.

  • Paul says:

    5 Jan5 January 22:18

    Theres so much fake news on here about revolut.

    I have spent topped up hundreds of thousands by card this year and had to go through verify funds process twice. You just have to explain where the money comes from simple as that.

    I use revolut too for kids accounts. Great product, great company.

    • Harrier25 says:

      5 Jan5 January 22:52

      Agreed. The Curve Appreciation Society on here will never get or understand the benefits of Revolut.

    • Mr. AC says:

      5 Jan5 January 23:02

      Interesting. They’ve explicitly told me in chat (after a similar verify funds request) to knock it off with the topups. They’ve also told me that topping up GBP and then sending the money on to another GBP account of mine (as opposed to spending or exchanging it) is also against the ToS. So I’m steering clear of that now, since I do value Revolut for other reasons as well.

  • The Urbanite says:

    5 Jan5 January 23:10

    I’ve been through it enough times and been fine. Provide what they ask for and as long as your income supports spend you’ll be fine.

    • ashish says:

      5 Jan5 January 23:28

      I got ban from Credit Card tops ups after 2 warning. I never tried again, deleted ap

• BJ says:

  5 Jan5 January 19:57

  Perhaps if all the stupid ****** who persistently flouted the guidance and the law had not, and did not continue to do so then you would not have found Nick moralising (as you put it) quite so much. The situation we find ourselves in now and will find ourselves in during the coming weeks are not the result of the virus or even government ineptitude, they are the result of people with irresponsible attitudes who think I’m ok, **** everybody else!

• Jamie says:

  5 Jan5 January 20:04

  Couldn’t disagree with you more, Sharka. Nick_C’s contributions are fact and truth based and I hope they continue, very much unlike your own.

• Sina says:

  5 Jan5 January 20:11

  Question for Pro amex users: I have a Gold Amex charge card and harrods amex:

  1-I’m looking to cancel Gold card, does holding harrods card stop me in the 2 year rule to get sign up bonus?

  • Genghis says:

    5 Jan5 January 20:14

    Yes – except on Plat or BAPP

  • TGLoyalty says:

    5 Jan5 January 20:14

    It wouldn’t for a platinum or a BAPP. I believe it would for anything else.

    • Sina says:

      5 Jan5 January 20:25

      Great, thanks both! Also how about ICC Platinum? Does holding that have any effect?

      • Genghis says:

        5 Jan5 January 20:46

        No

        • Sina says:

          5 Jan5 January 22:40

          Thanks Genghis!

• old bob says:

  5 Jan5 January 20:19

  Is that the best you can do? Poor effort, I’ll give you 2/10 for trying, now swim away little fish.

  • Jamie says:

    6 Jan6 January 00:40

    Stay home and don’t get COVID “old” bob :).

• Charlieface says:

  5 Jan5 January 21:04

  Can everyone call it quits? Change the subject please. If you don’t like what somebody wrote, move on

  • Flightsy says:

    6 Jan6 January 03:36

    Agree!

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