Winnipeg woman gets 'ridiculous' federal letter seeking 20-cent repayment
4d 12h ago by feddit.uk/u/Wudi in canada@lemmy.ca from www.cbc.ca
I cancelled a TD credit card, when I paid it off somehow $4 and something like 9 cents got over paid. The first time I got a statement I called in to get that money transferred back to me, they could not figure out how to do it so I was transferred to someone else who did not know how to do it after talking to many people I just said screw it I will figure it out when I have more time. every so often I will forget about this $4 and open the TD envelope and get reminded about it. This has been going on for years every so often I try calling them up and see if someone can help me but no.
I have been really considering finding whatever agency in Canada and making a complaint because I am not getting the stupid high interest rates on that $4.
I overpaid a credit card for $100 and canceled it because it was extra.
That overpayment stuck. But they'd canceled it so they couldn't refund it. But I couldn't use it because it was canceled. It was connected to me as a negative debt but couldn't be activated, modified, or removed.
Every month, then, I'm reminded of this -$100 bill that, without any action from me, is paid promptly on time.
Fast forward 30 years.
It's been a great credit bump for me, these 30 years of -$100 owed and paid every month. I'm told it still reflects well on my credit, because it's SO long-term and steady. They asked whether I wanted it removed, now, because they finally can, and I asked for it to be left on.
Neat.
I wish the TD card is off of my credit score, having a credit card charge me the four dollars and than pay it automatically with its self would be awesome.
Over the years I've gotten a few letters from companies for ridiculously small amounts (amounts that were smaller than the cost of even sending a bill). Rather than pay the 38 cents, or whatever they were asking, I'd send some amount that was maybe 50 cents higher than what I owed. Then, I'd wait for them to send me a check for the amount that I'd overpaid, which cost them more money. Of course, I wouldn't cash the check, which would lead them to following up with a new check for the same amount six months later. This could go on every six months for a while, and certainly cost them more than the original amount they'd been so pettily after me for in the first place. I never kept their 'refund' checks or really looked at them closely. I suppose they had verbage on them that caused them to expire in 6 months time, but if not, I regret not holding on to them until I could cash 3 or 4 of them simultaneously, just to see how that would play out.
Banks won't cash cheques that are stale-dated.
I regret not holding on to them until could cash 3 or 4 of them simultaneously, just to see how that would play out.
I suspect poorly for you. They should be rejected immediately, but if they go through, they'll eventually be reversed, and you may be investigated for fraud. Your accounts could be closed, and possibly (though unlikely) you could also be arrested.
The official write-off amount of $2 is ridiculous, too. If the government overpays by a few dollars, who cares? It's going to Canadians, and the cost to track it down isn't worth pursuing. It should be $10, imho, and anything less than $100 (or maybe even $500) should just get a notice that there was an overpayment, and next year's amounts will be reduced by $x÷4 per quarter.
The interest on even $500 for a year is negligible compared to the direct cost in labour and external cost of wasted time to correct the error. Just roll it into the next year's benefits totals and move on.
Back in 2016 I got a letter saying I was overplayed like $1800 or something (Pheonix pay system fiasco). Write back asking for the documentation/calculations/proof before I relayed and then never heard a word back from them and no one ever followed up.
Stupid that they will chase $0.20 from someone though, I'm sure there are higher priorities to work on.
Luck you got paid extra, I only got that settlement or whatever it was.
Ha my mom got one like that many years back for a dollar.
She was so mad she sent the payment in with the dollar stapled to the remittance form. She put about 100+ staples through it so the agency had to spend more than a dollar labour removing the money.
Wait how do you staple a coin? Or was it back when dollars were bills?
Bills...thus the many years back disclaimer. But fastening a coin would be next level disruption
I like your mom. Is she single?
She is. But I warn you your day will be spent playing scrabble where you will lose every time, and listening to stories about: a former neighbours ex, who got remarried, and had kids from a previous marriage, that mother's was name Jill...but the last name isn't coming to me...I will email you the name when I remember, well one of their children went to Spain where they fell a bit billious on times, probably the water was suspect or maybe a server hadn't washed their hands, you know being sanitary is not like it was when we grew up, even hospitals did daily cleaning with dettol and bleach back then but not now, they just do a lick and a promise now and its no wonder people get sick so easily, so anyway Jill's child in Spain met a nice young man, a good complextion too, most Spaniards do have a great colour, especially if they wear a linnen suit it really brings out their tone. I always fancied a Spanish man but I wouldn't get on with their language, even though I did well at Latin lessons in school.
All day...
I used to wonder what would happen if I underpaid my tuition by one cent