Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
|
quote:
Originally posted by d_jay50
Change your debits to the day AFTER pay-day then, that's what i've done 
Handle your money smarter.
not always that black and white though is it, i went over as the dentist dd i have decided to take 2 payments (might have been 3) out at once, when i signed up the dentist didn't explain it right to me. 
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
quote:
Originally posted by d_jay50
Change your debits to the day AFTER pay-day then, that's what i've done
Handle your money smarter.
Get to fuck preaching ffs, the law states that banks charge too much which is why people can claim it back.
I expect my bank to take the hassle away from me a little bit not charge me for every-fucking-thing.
That is all
|
Dione J
Member
Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline
|
quote:
Originally posted by d_jay50
Handle your money smarter.
|
Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
|
There are ways that if you budgeted (sp) correctly you wouldnt come up short at the end of the month and wouldnt get caught out by direct debits/wages as some have said.
I sat down with my Mum about 1 1/2 years ago and worked out a scheme and I have stuck to it and now I always have money and I am always covered when it comes to Tax/Mot/insurance etc.....
|
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
|
There are 2billion ways people can be caught short even if you are mr organisation with money.
The fact of the matter is, its daylight robbery. Fair enough to be charged, but when you are charged £40 for something which doesnt cost them more than £4.50 in admin is called profiteering is it not?
Its like saying parking fines are now £1000 and if you dont like it you shouldnt park there 
Whilst i agree in the principal, why should HSBC (record profits of something astronomical like £20bn last year) take MY money because my money was not 100% correctly organised? Do they offer you help to organise your money? do they fuck!!
Robbing basterds. End of.
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
yes they can close your account but have to refund your money,
heres my letter i got back
that was pretty much the amount due. They took the same tone as you ally, but they cant really say "oh yes we are doing illegal things"
if they really didnt think they were doing something wrong they would never give you anything, banks dont do anything out of "goodwill"
Goodwill means, you right and they havent got a leg to stand on 
|
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
|
steve did you use a generic letter or write your own?
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
did it over the phone
[Edited on 14-02-2007 by Steve]
|
mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
|
I have an account that bills come out of, I miss calculated how much I should have in it..
So I went £6.45 overdrawn and they have just charged me £30!!! for the pleasure....
I did not ask them to pay it, they could have just refused to pay it and let the company contact me..But NO they paid £6.45 and charged me £30 for it..
Should I complain?
Just go into the branch and kick up a fuss as I am going that way tomorrow anyway?
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
How does this work...............I dont think ive ever been charged by the bank in the 20yrs or so ive had an account with them - is it just if you dont meet payments, or default a card payment etc???
How can you find out if your due anything???
|
mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
|
if you have say a DD coming out but you do not have enough money in the account they will pay it and charge you for doing so...
I just phoned the bank..Instead of the £30 charge have reduced it to a £10, thats good enough for me...
Also he stated if the bank never paid the DD and returned it to the company unpaid the charge is £39  I was like W.T.F
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Ah right, Ive got one of those one accounts everything comes from & ive never not made a payment!! Guess im not due anything.
|
nickyboy01
Member
Registered: 10th Sep 03
Location: Oxford-ish
User status: Offline
|
I claimed just over a grand back form Barclays, they offered £540 as a gesture of goodwill so i took it. I would have won the full amount if i had taken it to court but they drag it out over months and months so if you're not too bothered about the ful amount then take what they offer.
|
Fee
Member
Registered: 16th Nov 05
Location: With AK
User status: Offline
|
I'm just going through my statements at the moment....
does anyone know what a 'referral charge for April/May/June etc' is?
I seem to have them an awful lot!
|
Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
|
quote:
Originally posted by Steve
did it over the phone
[Edited on 14-02-2007 by Steve]
You wrote a letter over the phone
|
M303CGO
Member
Registered: 29th Dec 06
Location: Germany & Yorkshire
User status: Offline
|
I went to reclaimedbankcharges.co.uk, they're on with my claim at the moment. They take a 20% fee out of the money recovered though.
[Edited on 15-02-2007 by M303CGO]
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
I dont know whether i should accept the £150, original claim on the letter is actually £292 so they've offered me half
I understand the whole manage your money better thing but im sorry fuck it, theres a loop whole in the system, banks charges a disgusting amount of money on charges so i have every right to do as much as i can to try and claim my money back
One was a DD for £6, one for £15 so DDs totalling £21, have actually cost me £91. Hardly fair is it
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
I also had a £50 'reserve' which i went into by a couple of quid every month, then i wrote my letter in saying i wasn't happy - and they then took the reserve away from me and wrote me a letter saying they had taken the reserve from me and there was nothing i could do about it
So all in all im really pissed off about the whole thing
|
M303CGO
Member
Registered: 29th Dec 06
Location: Germany & Yorkshire
User status: Offline
|
Its a shame we rely on them so much! They get away with doing what they like 
Im with Royal bank of scotland, theyre forever putting charges on my account. They've changed my loan dd date without advising me more than once, getting me in the sh*t, then it just snowballs
Without an account though we couldnt have wages paid or pay half our bills!
|
Scott M
Member
Registered: 15th Feb 01
Location: Bexleyheath, Kent
User status: Offline
|
quote:
Originally posted by Tom
quote:
Originally posted by d_jay50
Change your debits to the day AFTER pay-day then, that's what i've done
Handle your money smarter.
Get to fuck preaching ffs, the law states that banks charge too much which is why people can claim it back.
I expect my bank to take the hassle away from me a little bit not charge me for every-fucking-thing.
That is all
You and thousands of other people.
The fact the people set up payments by direct debit and such like without making sure they've got the money to cover those payments isn't the banks fault, its the customers.
You agree to pay on a set date, you pay on that date. A bit of flexibility is ok and banks have that to a point, but when you get thousands of people everyday screaming, "I want my money back, this isn't my fault" there has to come a point where the bank says, "actually, yes, it is."
I agree that the charges are over the top but how are people ever going to manage their money if every time they cock up the bank says "don't worry, we'll fix it"
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
quote:
Originally posted byHSBC reprsentitive scott
quote:
Originally posted by Tom
quote:
Originally posted by d_jay50
Change your debits to the day AFTER pay-day then, that's what i've done
Handle your money smarter.
Get to fuck preaching ffs, the law states that banks charge too much which is why people can claim it back.
I expect my bank to take the hassle away from me a little bit not charge me for every-fucking-thing.
That is all
You and thousands of other people.
The fact the people set up payments by direct debit and such like without making sure they've got the money to cover those payments isn't the banks fault, its the customers.
You agree to pay on a set date, you pay on that date. A bit of flexibility is ok and banks have that to a point, but when you get thousands of people everyday screaming, "I want my money back, this isn't my fault" there has to come a point where the bank says, "actually, yes, it is."
I agree that the charges are over the top but how are people ever going to manage their money if every time they cock up the bank says "don't worry, we'll fix it"
Fair enough but i'm moaning about my bank bieng the 'wolrds local bank', ok you might know that in china red is a sign of giving but if you can't employ anyone who is willing to listen to a customers problems or indeed 2 people who have the same training therefore deliver the message/set of rules then I don't expect to be charged £30 everytime I forget to have an extra 37p in my bank account.
|
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
|
if banks only charged what it costs them (about £4.50) then customers wouldnt have a leg to stand on, but the fact they are charging £28+ which is basically a penalty charge means they are illegal charges and should be taken back.
|
Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
|
Ally have you got a copy of the letter you sent please?
I went over drawn £6.40 one month and I put £7 in the bank to cover it, then next statement I was overdrawn £29.40, went into the bank and they said it was the charge for going over drawn with the £6.40, so put £30 in and said is that all ok now and she said yeh,next statement come and the same happened again in short it cost me around £90 for going overdrawn £6.40 I must be owed around £400-£500 in charges altogether since ive been with Natwest so want to claim some of it back not bothered about gettin the full...
|
K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
|
I got charged £200 2 days ago for 3 debits bouncing. Can't believe it, it really is unreal. I've got an appointment tomorrow to talk about it. I'm not paying that I can't afford it and its rediculous.
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
just refuse to pay it?
|
