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😂 Wouldn’t it be great if we could all reject changes to t&c’s that didn’t suit the consumer.
You can, simple! Life it all about choices. I have never said or pretended I wanted to keep the product still on the old T&C’s – that’s your incorrect assumption!
It wasn’t an “incorrect assumption” by @Harrier25 – you have written to Curve and “suggested they leave my limits unchanged until we come to an agreement.”
So the onus is on me to cancel the product? To a layman that’s not obvious actually. I think Amex at least advises you to take that action if you don’t agree with the changes but don’t recall Curve suggesting that. I’m not even sure how to go about cancelling, I couldn’t see it in the App. I’ve emailed them to say I’ve rejected the change so that’s a mark in the sand at least for calculating a refund as I’ve not used the card since. But their support is so slow – it’s about 2 weeks between replies and both times I’ve chased its stock reply is “your ticket is with a (very busy) special department”. Frankly it’s about £75 and I won more than that by taking on Creation so I’ll pick my battles and retreat quids in.
😂 Wouldn’t it be great if we could all reject changes to t&c’s that didn’t suit the consumer.
You can, simple! Life it all about choices. I have never said or pretended I wanted to keep the product still on the old T&C’s – that’s your incorrect assumption!
It wasn’t an “incorrect assumption” by @Harrier25 – you have written to Curve and “suggested they leave my limits unchanged until we come to an agreement.”
Fair cop, but if you don’t ask you don’t get. As I said I’m happy to walk away from Curve, it’s been a good innings and I’m definitely quid and points up because of it.
Seems 30 days is FRESH 30 days for fronted.
My change date from curve email was 13 November but getting charged 1.5% fees having used up my fronted monthly allowance already before today’s test.Seems 30 days is FRESH 30 days for fronted.
My change date from curve email was 13 November but getting charged 1.5% fees having used up my fronted monthly allowance already before today’s test.15th is likely to be the date for everyone. Check in the fronted section of the curve app and see if it still showing £10k per calendar month.
Just tried opening the Curve app, and all my details seem to have been wiped!
Just tried opening the Curve app, and all my details seem to have been wiped!
Same here. Wants my phone number again to send a code to…which never arrives!
Does anyone have an opinion on how the rolling 30 day 3k fronted allowance will be calculated when the new terms kick in (15th Nov for me)?
Wondering if 5k paid on 1st Nov will be considered.
We all have opinions but we won’t know until the new terms are updated.
I clarified this with Curve Support i.e. What if £10,000 fronted is spent between 01-Nov and 14-Nov, will this reset to Zero on 15-Nov? And here’s there response:
“….I can confirm your current £10,000 will limit reset on the 15th of November 2023 when we move your limit from per calendar month to per 30-day rolling period. From the 15th November 2023 the new rolling limit of £3,000 will become effective. To clarify further, a 30-day rolling limit is the combined total of all transactions you’ve made during a 30-day period. Once you reach day 31, transactions you’ve completed on day 1 of the 30-day period will start to “drop off” and your limit will increase again by the amount of the transaction that’s “dropped off” at the beginning.”
Hope this helps!
Regards,
WrSIn this case the simplest option going forward would seem to be – spend £3k on day 1, wait 30 days, repeat.
Why can’t they just set it per calendar month?
They did until today.
Why can’t they just set it per calendar month?
The whole idea is that they are banking on a lot of customers getting into an administrative mess. This will of course make Curve much more income when many go over their 30 day limit. It’s much harder to keep track of a 30 day rolling limit than it is a calendar month limit. Its a very easy, but underhand, way of increasing revenues.
In this case the simplest option going forward would seem to be – spend £3k on day 1, wait 30 days, repeat.
Except in March! Which will mess up the rest of the year…
Day 1 isn’t the first of the month, it’s just the first day of the cycle. The actual month is irrelevant now.
Time to get the calendar out to start counting the days…for each transaction 📆
The whole idea is that they are banking on a lot of customers getting into an administrative mess. This will of course make Curve much more income when many go over their 30 day limit. It’s much harder to keep track of a 30 day rolling limit than it is a calendar month limit. Its a very easy, but underhand, way of increasing revenues.
This is exactly what I was thinking, doubly so with the fee increasing to 2.5%. I’ve just set a 30 day recurring diary entry so I can make the most now of what remains of my subscription. I still have zero faith in their IT skills so will be making some small test payments first.
It shouldn’t be difficult to keep track of, especially with only a 3k limit. I will be doing only two fronted transactions per 30 days
There’s a spending power bit in the app which shows how much you have spent over the last 30 days. If you do Mesa it and incur fees then GBIT to a debit card.
I’ve set a recurring Google calendar alert for +30 days, starting 16th November, with a view to paying 3k exactly. Not a specific day of the month.
So do we get an extra 3k this month, definitely?
So do we get an extra 3k this month, definitely?
I guess we won’t find out until the new contract kicks in and someone tries it. I’m happy to give it a go on the 16th.
In this case the simplest option going forward would seem to be – spend £3k on day 1, wait 30 days, repeat.
Yep. 15 Nov £3k then 15th Oct, 14th dec etc
Not true, been charged for fronted again today morning, so £10k spent has not been reset as expected.
Not true, been charged for fronted again today morning, so £10k spent has not been reset as expected.
Same. Metal plan details still say 10K per month
Not true, been charged for fronted again today morning, so £10k spent has not been reset as expected.
Who expected it? The text quoted above from Curve support doesn’t say Fronted spend from 1-14 November is ignored in calculating the rolling 30 day £3k spend from today. Maybe that’s what Curve intends to do, but I don’t think they have said so, it is simply the most positive possibility that some have assumed.
So it seems nothing has changed in the app as yet, still shows 10k fronted limit.
I am considering spending 3k and then turning off fronted or just using the underlying cards until it becomes clearer what Curve are doing…
Perhaps a 3k transaction and then another for £10 to see if a charge is applied might be useful. In theory though that would be my whole fronted limit for 30 days….
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