us citizens being billed from uk

your tanks cant even secure baghdad. what good will they be when bombs are falling in kansas, idaho, etc?

The OP should be pleased they can still bill the card at all. I hear more and more people complaining that their bank is simply refusing transactions with LL.

Tanks are next to worthless in urban warfare. Now in the open fields of Kansas..........not much can face down an M1 Abrams on open ground. The mountains of Idaho, now you are getting iffy again.

I don't care. I just want to buy some Lindens and can't.

Is this cos it's a Visa Electron card and therefore might be given to minors?

I'm 40. I've pumped several thousand dollars through SL. Why is my payment method still failing on the website?

It's happened ( although generally only 2 v 1).

Other than WWI/II, there is, for example, Battle of Waterloo - French vs English and Prussians ( germans basically ).

The funny thing my bank said it was because of LL.

Originally Posted by Winter Phoenix
With all this convoluted droll humour flopping around Im still trying to figure out whats going on. What are these penalty fee's being charged for exactly? Is this strictly a purchasing $Lindens thing, or is this occuring when making a monthly tier payment, ect? Are you saying LL payments of whatever sort by U.S citizens are going through a foriegn bank even tho LL itself is located on the west coast of the U.S?
What I think:
They are charging me 1 cent for every dollar spent which also included my tier and monthly membership. The bank said its something to do with Linden Labs, Linden Labs is saying its the banks fault. Basically I think its a fee anyone who deals with Uk bank establishment charges for there accounting efforts because it so hard for them to manage processing American dollars.
They have outsourced there billing to Uk company who takes weeks or sometimes days to process purchases.

Wrong. The fee is indeed triggered by LL. It is CHARGED by the bank, but it is triggered by LL.

My bank said that this is due to how LL handles their billing, and as stated, LL is the ONLY one that triggers such a fee.

I prefer to take my bank's word over Linden Lab, as my bank answers the phone when it comes to customer service questions such as these, rather than putting up a blog.

I've seen unarmed students stop Chinese tanks by waving...

I don't have any problems with my credit union at all, and they would never freeze my account without calling to verify that the transaction was legitimate (which they've done twice, but never due to an LL transaction, and they wait for me to get back to them if I'm not home at the time). I also, to the best of my knowledge, do not get charged any kind of additional fee for the transactions. If you're having trouble with your bank, complain to them, or even better, get your money out of the bank and put it in a credit union instead. Banks are fee-happy ripoff artists. I fail to see how any of your individual banking problems are LL's fault.

You just ain't whistlin' Dixie, there, Brenda!! I sold my land and dropped to basic last October. Last week a friend had a fantastic piece of land he was going to sell me at a great price, so stupid me clicks on the "upgrade to premium" all prepared to start paying $7.50/quarter plus tier.. First thing out, I get this idiotic error message telling me that an error had occurred, and suggesting that I retry.. I did several times.. Next thing, my phone rings, and its the Visa fraud dept, asking if I was trying to do a transaction with a LindenLab.. I told them "God Help Me.. Yes I am...".. The error continues all weekend, as I keep trying, as my friend has other people he's going to offer the land to, if I can't get it.. Finally, after trying the whole weekend, I decide to call LL.. I tell them about the error, and they say "that shouldn't be happening" *yathink?* Anyway, after the CSR tried a bunch of stuff that didnt work, I mention that the credit card I'm trying to use (my ONLY one I might add) is a credit union Visa credit card.. The guy goes: Oh.. Those won't work with our payment processor...Can you use another payment method? ummm... no, this is the SAME card I've had on file with you people for the LAST TWO YEARS!! Have you EVER heard of anything soo stupid???

Guess I'll stay basic....

Tas

Chip! You ARE using a credit union credit card to pay LL?? I was told by one of their phone CSR's that credit union credit cards will not work with their payment processor... Mine was rejected last week...

Tas

I use a Visa debit card issued by my credit union and have never had a problem with it. Most of the time I'm able to pay tier out of USD already in my LL account, but when I get lazy and don't cash out it bills regularly ($195 tier) without incident.

So did I Chip, use Visa debit that is...Mine was rejected 3 months ago. Eventually, it'll catch up to you too.

I also use a credit union visa card - here, amazon.com, everywhere online. I was called a couple times when I first started using it online, now they leave me alone.

Why would ANYONE use a bank if they can get access to a credit union?

Your bank are lying, read the whole thread, there are American customers whose banks don't charge them these fees. You have a greedy bank.

Prove it. One bank not charging is no indication that other banks are greedy. The vast majority of banks in the world will charge more for international than national money transfers. How do you know the non-charging banks aren't waiving it or indeed, absorbing the charge elsewhere?

Some banks charge more in account fees and less in administrative charges.
Others charge less in account fees and more in administrative charges.

Let's consider a UK example:

If you have a Natwest Current Account, and you want pay a $10 USD AMEX travellers cheque into your account, they will charge a currency conversion fee of around £5.

If you have a Natwest Advantage Gold Account (which costs about £30 a quarter because of its benefits), and you want to pay the same cheque into your account, they will charge you nothing.

Same bank, same cheque, but different fees on different accounts.

I'm not too worried about it. I've been using the same card with LL since 2003 without a problem. My guess would be that your CU's fraud prevention is a bit more agressive. I'd complain and if they didn't rectify it I'd probably find a different CU to join. There's a fine line between fraud prevention and harassment.

Like many others, my credit unions Mastercard debit card works just fine. Has only been this last week when everyone was havin problems that i did too. Re-entering the info fixed it and have bought with it NP since.
I can always buy L$ and $US credits from Slexchange, and bill my card directly that way, or use paypal to bill my card, and avoid UK processing all together.

It is interesting that while Linden Labs is an American corporation their billing system is based in a foreign country.

I wonder how the thousands of currency conversions are going to impact Linden Labs tax liability in the USA.

How can you sit there with a straight face and suggest banks aren't greedy? Come on, do me a favour, have you seen the profits banks are making lately and still they're trying to introduce more charges.



Nationwide on the other hand claim to not charge fees when you use their products abroad.

http://www.nationwide.co.uk/travel/default.htm

thres no need with international traffic to charge anymore .....,

If you can get paid by a BACS system without ever seeing a penny, the reality is that the backs levy this charge becasue they can .... not becasue they have to.

The same way you used to get CC charges ...
Most banks are subsideries these days, so they should be able to transfer money internally BUT getting into a country flame war isnt gonna make it better

Doesn't matter thant they are not a country they have a common currency

Well said, Marty. I hate all this my-tank's-bigger-than-your-tank business (what on earth have tanks to do with currency charges anyway?).

I didn't say that banks weren't greedy Ciaran. I didn't say that at all. You suggested one person's bank was greedy because another bank didn't charge for an overseas CC transaction, when in actual fact it's more *account* related than *bank* related. Hence why I pointed out two types of account at the same bank which have different charges for an identical transaction.

This coincides with Nationwide being "unable to rule out" £10 pound a month charges for some of its current accounts.

Edit: Also, I just looked at their "commission free purchases abroad credit card 'unlike the banks' credit card, and the APR is 15.9% compared to 13.9% on the standard credit cards from Natwest & HSBC.