The interest on my balance
A couple of years ago I received a bill from barclaycard telling me that from my account which stood at 0.00p I owed interest and had to pay them 0.01p.

Not being one to take the matter quietly I gave them a call. I said to the call center phoneperson that I was willing to pay any interest they wanted on the spot for my balance of 0p. I suggested a comfortable 1000%. I asked her to get a calculator and put percentage into it of Zero and if the result was anything other than nothing I would pay it.

After a couple of seconds she said the balance was reset to zero. I then pointed out that the call I had just made would have undoubtedly cost me more than 1p so they credited it by £5... Epic Win for principle stands I felt.
(FBMan, Wed 29 Feb 2012, 20:34, 2 replies)

I had a cheque
From The Halifax once for precisely 1 penny. ( I think I still have it somewhere)(A) I have no idea why they sent it and (B) How much did it cost to send me it I wonder?
(Mackeson_drinker, Thu 1 Mar 2012, 7:06, closed)

This seems to happen quite often, it's baffling.
In 1992, I bought a flat. I applied for a mortgage with Halifax, and was turned down. Slightly gobsmacked by this, I asked them to explain why.

They didn't say much, only that I had some issues with credit, which was news to me.

Several weeks of checking later, via some dodgy rating agency, and in fact a bit of help from my bank manager, a piece of paper turned up stating that I had an unsettled outstanding with Visa, which was considered a default.

Another week or so playing phone tag with Visa reveals that my account had an outstanding balance of £0.00 on it, which for some reason their computer had decided was a debt.

Fotunately a human was able to tell their system to bugger off. A bit more work with the credit agaencies and the Halifax, and I got the mortgage.

Awful lot of work for a non existent debt that I had no idea about though.
(username failed moderation, Thu 1 Mar 2012, 8:35, closed)