clappp

Thankfully sense prevails.

If people go overdrawn they should be hammered for it financially.

If the chavs had been let off for spending money they didn't have then the banks would've had to start charging sensible people who don't go overdrawn a fee for their current account.

Now that these frivilous claims have been dismissed the banks should double the charges for unauthorised overdrafts, bounced cheques etc.

in the last 2 years i have been charged £60 on three occasions. on each of them i was overdrawn for one day and the sums were £2.40, £2, and £7.

charging someone 60 bar for being 2 quid overdrawn for a day because some clueless fooker at the council or a credit card company knacked up your direct debit is daylight robbery.

the money fleeced from us is used to fund obscene bonuses for the c***s that got us in this mess in the first place.

the banks are a closed shop , ever since the days your employer started insisting on paying you by bank transfer rather than in cash.

yet another example of the idle rich looking after the idle rich.

But someone somewhere obviously felt it was time to protect the banks, and the thousands of complete dickheads that work for them, from this outragious claim from its customers.

Shocking.

The charges are part of the T&C's of the account when you sign up to it.

If they are amended you are informed in advance.

If you don't want to incur the charges don't go overdrawn without an agreed overdraft limit.

If you don't like the level of the charges either bank elsewhere or refer to the point above.

If you go overdrawn by a pound or two you've either done it deliberately to see if you can get off with it or you're not very good at maths.

The charges need to be high to act as a deterrent. If the penalty for speeding was a £5 fine and no points on your licence then I'd drive home at 120mph every night.

i hope a company ripper has a direct debit with f*** him about and he gets bank charges now.

I reckon I got done about 6 times between the ages of 18 and 21, I wasn't earning much money (I didn't even have an overdraft) and the odd direct debit took it over by on some of the occasions less than a quid.

This was before the days of online banking and sometimes the dates of your direct debits differ slightly, why the fook would anyone do that deliberately!?

ripper the issue i have is that these days everyone wants to pay you money by bank transfer, and everyone wants you to pay them by direct debit. and in the very very small print on the direct debit guarantee is something stating even if you specify the date you want it coming out it can come 3 days either side of that. but thats not something that is made public.

i get paid last day of the month so my direct debits and standing orders go out on the first of the month. if i set a direct debit up for the first of the month for my council tax and some tit takes it out on the 30th causing me to go a couple of bar overdrawn the bank hammer me for 60 even tho they know my wages are going in the next day.

to try and get those charges refunded i have to ring an 0870 number at extortionate rates from my mobile. im put on hold for half an hour before getting through to some clown in india who has no idea what im talking about.

the bank eventually tell me its the councils fault. i go and sit in the council offices for half an hour arguing the toss with some wifey who tells me they have it set up for the first of the month and they didnt actually get the money till the 3rd of the month.

i go back to the bank but nobody at the branch will discuss it even though i have a slip of paper from the council with my account details on it showing the credit dated the 3rd. so its back on the phone getting pished around for half an hour getting nowhere.

the money goes out of my bank on the 30th and yet the council dont get it till the 3rd. so where is it for those 3 days ? in the fooking ether ? and more importantly who is getting the interest on it ?

i know for a fact if the banks wanted to, they could make money transfers instantaneously. but they dont, they dont because its financially beneficial for them to make it take 3 days.

im also certain i am not the only one who has had their wages go in a day late due to some cock up by some faceless c*** somewhere down the line.

and dont give me this bollix about closing your account and going elsewhere, because they all operate on exactly the same way.

last year banks made one third of their retail profit from bank charges. they deliberately set out to fook people over to pay for their lavish bonuses, usually by irresponsible lending practices. yet when these same spectards knack everything up themselves and go "overdrawn" its the taxpayer that has to bail them out.

some people dont have the luxury of leaving money in there account days before pay day, i certainly don't.

I have no direct debits now, just sick of them.

ok i will rephrase it, i now realise i'm on the pedantic board and will have to be careful about the wording of every thread.

Some people don't earn enough money that they are in the position to have enough money in the bank to cover there bills a few days before pay day.

There you go

I don't know many people who could survive that water, on paper yes it sounds like it could work, but in practice daily life costs too much.

My wages just cover for bills, food and kids.

Nothing left over to save or carry forward for the next month.

So bang goes your argument.

the bottom line is that you the customer are deemed guilty until proven innocent, and the onus is on you the customer to spend forever and a day arguing the toss with some uninterested c*** in india to get your own money back off them. if they tell you that you cannot have it there is now no legal recourse and your only option is to change to another bank that will treat you exactly the same.

I don't know many people who could survive that water, on paper yes it sounds like it could work, but in practice daily life costs too much.

My wages just cover for bills, food and kids.

Nothing left over to save or carry forward for the next month.

So bang goes your argument.

why should i leave my money in an account that pays no interest just in case some fooker somewhere makes a mistake ? ripper is leaving his money with the bank so they can get interest on it, and is clearly too thick to see he is being fleeced.

Very eloquent Mr Fireball.

However it isn't necessarily true.

When I get paid I transfer enough money into my bill account to cover that month's bills. I leave enough in my current account for food, beer, football etc. The rest goes straight into my savings accounts which pay a reasonable level of interest in the current climate.

Sorry to spoil your fantasy of anal penetration.

[x] thinly veiled " i actually enjoy being anally penetrated by men in pin striped suits with wads of my own cash who are wearing chris turner masks " imho.

but a bloke who spends 50k a year playing poker can afford to leave £50/100 in his account to cover unforseen circumstances surely
unless he is telling porkies somewhere down the line

in the very very small print on the direct debit guarantee is something stating even if you specify the date you want it coming out it can come 3 days either side of that. but thats not something that is made public..

as previously stated, i have no intention of letting shytehawk banks have my spare cash swilling around in their vaults when i get no interest on the money in my current account. my money is my money and its where i need it to be to earn money.

if you actually read my earlier posts i have explained fully. i DID FOOKING HAVE the best part of 80 bar floating around in my bank account, but a direct debit for my council tax somehow went out of my bank account on the 30th of the month, the day before i got paid on the 31st.

it was meant to come out on the first and it took me £2 overdrawn.

the council insist that they never set direct debits up for a date after the 28th of the month, and have shown me evidence they got the money on the 3rd.

the bank insist the council asked for the money on the 28th, and show me their statement stating it left my account on the 30th.

neither will back down, im 60 bar out of pocket and have no legal recourse. sorry, but to me thats just obscene.

as for what i spend playing poker, i have already provided evidence of what i spend. i couldnt really give a fook whether people on here believe me or not. theres actually folk on the board have watched me playing 4 x 25 dollar tables at a time.

as mr billingham says its all about bankroll. a bloke can go into the bookies with a tenner in his pocket at noon and walk out at 5 o clock having had over 100 quids worth of bets. it dont mean he was ever in a position to end the day more than a tenner down tho.

Whether people like chip or not, he's f*** spot on.

the banks wont allow companies to just take the cash on the day.