We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Unauthorised Overdraft
Figgy_2
Posts: 6 Forumite
My bank has let me draw up a huge overdraft of several thousand pounds that I didn't ask for. I am now paying whopping bank charges on it and I only work part-time. Now they are trying to sell me a 5 year loan to cover it. Do I have the right to complain?
0
Comments
-
You asked for it by drawing it.0
-
I have banked with them for almost 30 years and EVERY time I go in for a meeting with them I tell them that I don't manage my money. Although I have drawn it, that's true, I didn't know it wasn't my money. I think it is underhand and I think they should have had the courtesy to ask me if I wanted to increase my overdraft.0
-
I have banked with them for almost 30 years and EVERY time I go in for a meeting with them I tell them that I don't manage my money. Although I have drawn it, that's true, I didn't know it wasn't my money. I think it is underhand and I think they should have had the courtesy to ask me if I wanted to increase my overdraft.
Are you serious?0 -
My bank has let me draw up a huge overdraft of several thousand pounds that I didn't ask for. I am now paying whopping bank charges on it and I only work part-time. Now they are trying to sell me a 5 year loan to cover it. Do I have the right to complain?
Didnt ask for? You withdrew and spent the money didnt you?
They're trying to sell you a loan, possibly with a lower interest rate and no charges so are trying to help you.
And you want to complain, when it was obviously your terrible account management and massive overspending that is the root cause?
Get lost!Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;Debts as of May 28th 2011:Santander CC: £0.00Lloyds OD : £0.00DFW Nerd #1247 - Proudly dealt with my Debts
Olympic 2012 Challenge #12
0 -
So you didn't check your statements, you didn't check your online banking, you spent THOUSANDS of pounds that weren't yours to spend, and you want to complain just because you warn them that you don't manage your money?
Can I ask why the h£ll you don't manage your money? I can think of only one plausible excuse that you could give here, and it is highly unlikely that is the answer you're going to give, so, time to wake up and smell the coffee..
START TAKING RESPONSIBILITY FOR YOUR OWN FINANCES.0 -
I suspect a......
Troll, troll, troll, troll (to the tune of Skol, Skol, Skol, Skol if anyone remembers that advert!).Are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation? :cool:0 -
I feel quite similar to this...I went to The White Rose today, whipped the card out 5 times and ended up spending about £120*!!!
(*£120 on Christmas presents from saving £50 a month since February, knowing I have £1,300 available in my account (including £1,000 untouched OD) and that I have budgeted for it...hhmmm...).
To conclude; poor excuse.0 -
To onlypaddy, MrsMcLaren and possiby Comyface(?) (although I don't understand the answer) Forum Etiquette "Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps."0
-
You must be joking right?My bank has let me draw up a huge overdraft of several thousand pounds that I didn't ask for. I am now paying whopping bank charges on it and I only work part-time. Now they are trying to sell me a 5 year loan to cover it. Do I have the right to complain?
Try taking some reponsibility for your own actions and you may see what a stupid question you have raised.0 -
To onlypaddy, MrsMcLaren and possiby Comyface(?) (although I don't understand the answer) Forum Etiquette "Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps."
I was being nice.
I could have called you a f***ing moronDebts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;Debts as of May 28th 2011:Santander CC: £0.00Lloyds OD : £0.00DFW Nerd #1247 - Proudly dealt with my Debts Olympic 2012 Challenge #12
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.8K Banking & Borrowing
- 254.5K Reduce Debt & Boost Income
- 455.6K Spending & Discounts
- 247.7K Work, Benefits & Business
- 604.6K Mortgages, Homes & Bills
- 178.7K Life & Family
- 262.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards