Unfair bank charges

[sweet]

So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

[Count Dracula]

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

[hr]

Consejo no pedido, consejo mal oido.

[Count Dracula]

You should email Kenny MacDonald. He has won several law suits against the 'Governor and Company of the Bank of Scotland' to reclaim illegal bank charges and is always willing to lend a hand to people in this regard. His email is kwm@.

[hr]

Consejo no pedido, consejo mal oido.

[papercutheart]

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

[Mr Comedy]

Alcoholic may be a better term.

That's what did me in when I was at university.

[hr]

"I am in no way interested in immortality, but only in the taste of tea. " -Lu Tung

[Superiorjames]

Quoting papercutheart from 13:21, 19th Feb 2007

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

hahaha, well said! if only we could say that on a saturday morning...

[sweet]

Quoting papercutheart from 13:21, 19th Feb 2007

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

Well I'm sure that being superior must be a great comfort to you, but back in the real world it is still unfair to be charged £20 or more for going 2p over the limit, when the real administrative charges are much lower.

[Superiorjames]

Quoting sweet from 16:14, 19th Feb 2007

Quoting papercutheart from 13:21, 19th Feb 2007

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

Well I'm sure that being superior must be a great comfort to you, but back in the real world it is still unfair to be charged £20 or more for going 2p over the limit, when the real administrative charges are much lower.

Maybe so...but back in the real world, it also doesn't take much to pay closer attention to one's personal spending and account outgoings. Fair enough if someone slips over their limit once, but the vast majority of people with charges do it on more than one occasion - and generally through fault of their own.

[papercutheart]

Quoting sweet from 16:14, 19th Feb 2007

Quoting papercutheart from 13:21, 19th Feb 2007

Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

Well I'm sure that being superior must be a great comfort to you, but back in the real world it is still unfair to be charged £20 or more for going 2p over the limit, when the real administrative charges are much lower.

You're right - I feel great.

But in the real world - most people are going over the limit of their overdraft - you know, money that doesn't actually belong to them anyway, the limit on how much over YOUR money you can go.

And being that you are probably a student - you are also paying no interest on this overdraft - that's no interest credit - how bad do you really have it?

[fatboy]

Quoting papercutheart from 17:31, 19th Feb 2007

Quoting sweet from 16:14, 19th Feb 2007

Quoting papercutheart from 13:21, 19th Feb 2007
[quote]Quoting sweet from 10:14, 19th Feb 2007
So, I was just pottering about being poor when I came across this on t'internet:
http://news.bbc.co.uk/1/hi/business/6170209.stm

I'm thinking about trying to claim back the excessive charges I've incurred over the past five years, and I was wondering if any of you clever people have done the same.

This story's been around for a while I know but humour me please

I wouldn't quite use 'clever' to describe people who can't keep track of their money and live within their means.

Well I'm sure that being superior must be a great comfort to you, but back in the real world it is still unfair to be charged £20 or more for going 2p over the limit, when the real administrative charges are much lower.

You're right - I feel great.

But in the real world - most people are going over the limit of their overdraft - you know, money that doesn't actually belong to them anyway, the limit on how much over YOUR money you can go.

And being that you are probably a student - you are also paying no interest on this overdraft - that's no interest credit - how bad do you really have it?[/quote]

Youre all a wunch of bankers [img]littleicons/yellowtounge.gif[/img]

[ShinyHappyPerson]

The point is that it's illegal to charge any more than the estimated cost of going over your limit, and that often comes nowhere near £20.
If it was legal to charge then yes papercutheart, there'd be nothing to complain about, but it isn't.

Also Count Dracula, don't you think it's a bit off putting someones name and contact email on a public internet forum without asking their permission?

[hr]

"its the best thing since instant mashed potato"

[Rufus]

superiorjames, papercutheart;

Whoop-de-fucking-doo-dah that you scrutinize your 'personal spending and account outgoings' with pat-backing zeal, some of us find money too damn tedious to pay much attention to.

I suggest that you crawl out of your arses long enough to realise that bank charges are iniquitous in relation to the (piddling) administrative costs an overdrawn account incurs. How anyone can sneer about a monetary charge that perpetuates the debt of those already on a low income I do not know!

[Steveo]

I like the analogy that an overdraft is like a cliff.

You know the cliff is 50 feet away, yet you run 51 feet - you deserve to plummet to your death.

You know where tht overdraft is, nd what the charges are. It just couldn't be more simple.

[hr]

Set your goals way too high so I can laugh when you fail.

[ShinyHappyPerson]

Quoting Steveo from 23:31, 19th Feb 2007
I like the analogy that an overdraft is like a cliff.

You know the cliff is 50 feet away, yet you run 51 feet - you deserve to plummet to your death.

You know where tht overdraft is, nd what the charges are. It just couldn't be more simple.

[hr]

Set your goals way too high so I can laugh when you fail.

Well it's hardly that simple if the charges are illegal is it?

[hr]

"its the best thing since instant mashed potato"

[Rufus]

Steveo,

Bollocks.

There is no need for the bank to charge what they do, and especially no need for them to continue charging week after week.

I once had a direct debit fail to go through after a load of money came out of my account, this resulted in a bank charge which in turn resulted in another bank charge and so on for a few weeks.

Not amusing and certainly not fair.

[Superiorjames]

Quoting Steveo from 23:31, 19th Feb 2007
I like the analogy that an overdraft is like a cliff.

You know the cliff is 50 feet away, yet you run 51 feet - you deserve to plummet to your death.

You know where tht overdraft is, nd what the charges are. It just couldn't be more simple.

[hr]

Set your goals way too high so I can laugh when you fail.

Hahahahaha...agreed!

[Superiorjames]

Quoting Rufus from 23:08, 19th Feb 2007
superiorjames, papercutheart;

Whoop-de-fucking-doo-dah that you scrutinize your 'personal spending and account outgoings' with pat-backing zeal, some of us find money too damn tedious to pay much attention to.

I suggest that you crawl out of your arses long enough to realise that bank charges are iniquitous in relation to the (piddling) administrative costs an overdrawn account incurs. How anyone can sneer about a monetary charge that perpetuates the debt of those already on a low income I do not know!

Well im very sorry if you find money "too damn tedious to pay much attention to"...if you can't be bothered to keep a simple tab on your own spending (and ensure that you spend within your means), then there is little wonder that you incur charges. You deserve to. What if every bank customer paid no attention to their spending and liabilities? We all have to do it.

Maybe everyone should just follow your attitude for their own responsibilities in life - if you find something "too damn tedious", no matter how important, just fuck it.

[ShinyHappyPerson]

Quoting superiorjames from 23:57, 19th Feb 2007

Quoting Rufus from 23:08, 19th Feb 2007
superiorjames, papercutheart;

Whoop-de-fucking-doo-dah that you scrutinize your 'personal spending and account outgoings' with pat-backing zeal, some of us find money too damn tedious to pay much attention to.

I suggest that you crawl out of your arses long enough to realise that bank charges are iniquitous in relation to the (piddling) administrative costs an overdrawn account incurs. How anyone can sneer about a monetary charge that perpetuates the debt of those already on a low income I do not know!

Well im very sorry if you find money "too damn tedious to pay much attention to"...if you can't be bothered to keep a simple tab on your own spending (and ensure that you spend within your means), then there is little wonder that you incur charges. You deserve to. What if every bank customer paid no attention to their spending and liabilities? We all have to do it.

Maybe everyone should just follow your attitude for their own responsibilities in life - if you find something "too damn tedious", no matter how important, just fuck it.

Well given the banks attitude to charges is much the same, they ignore their financial codes and go "ah fuck it, lets charge them more money than it's legal to" maybe you should get on your high horse with them as well.

[hr]

"its the best thing since instant mashed potato"

[rob 'f*ck off' wine boy]

dat hose aint fuckin hah

[papercutheart]

Banks offers a hell of a lot of services free of charge to customers - services which cost the bank money and they would be well within their rights to charge for.

If charges are done away with it is likely that the bank will look to bring in income in other ways - afterall, banks are businesses, which I'm sure a lot of you seem to forget.

It used ot be as such that you had to pay for having a bank account - and will likely become the way again in the future if people try to take banks for a proverbial ride.