Don't pay late payment charges - I don't!

Robert_Sterling

Epiphone wrote
"If you're in the wrong pay up and make sure you don't make the same mistake next time."

Pay up an appropriate charge but do not pay up an inappropriate penalty

"Lying and saying you haven't received letters etc when you have puts the price up for all of us."

The person who did this got the money back, which had been unfairly taken by the credit card company, by using an inappropriate method.

A David size chiz perpertrated against a Goliath sized chiz.

M_Thomson

Robert_Sterling wrote:

"Lying and saying you haven't received letters etc when you have puts the price up for all of us."

The person who did this got the money back, which had been unfairly taken by the credit card company, by using an inappropriate method.

Nonsense.

Why should myself and other people have to pay for someone who cannot take responsibility for themselves?

dchurch24

What he's saying is: why should we play fair if they don't?

For the record, I don't think that there is any reason to lie about the reason you incurred the penalty in the first place - you will get them back by using the proper channels in the end anyway.

YorkshireBoy

dchurch24 wrote:

..and again...how would I get my wages paid?

I've been following this thread with interest and, although this is the credit card forum, I believe I have a useful suggestion for you here...

Why not have your wages paid directly into a building society savings account?

You would obviously have to cancel your credit card and other direct debit instructions and pay your bills by cash - possibly incurring additional costs/losing benefits for doing so. Can you still buy savings stamps for utilities providers, TV licence etc from the Post Office?

However, you may decide that paying cash for everything is inconvenient (or isn't allowed - eg Mortgage) and want/need to keep your direct debits running. If so, you could transfer your money (ie your wages) from your building society into your current account each month to meet the direct debits due to be collected.

This would totally eliminate all 'illegal' charges for banking, because if you *didn't* transfer your money, it would be your own fault. If you *couldn't* transfer your money because you hadn't been paid on time, then your complaint should be directed at your employer who, after all, would appear to be the root cause of your problems.

Is this workable for you?

dchurch24

Sadly, the Building Societies made these same charges, albeit slightly lower (Nationwide - £21 instead of Abbey's £35).

At the moment, I now pay my mortgage by DD and draw out the rest of the cash and pay all bills in cash.

JoseChungsDoomsday

YorkshireBoy wrote:

I've been following this thread with interest and, although this is the credit card forum, I believe I have a useful suggestion for you here...

Why not have your wages paid directly into a building society account?

You would obviously have to cancel your credit card and other direct debit instructions and pay your bills by cash - possibly incurring additional costs/losing benefits for doing so. Can you still buy savings stamps for utilities providers, TV licence etc from the Post Office?

However, you may decide that paying cash for everything is inconvenient (or isn't allowed - eg Mortgage) and want/need to keep your direct debits running. If so, you could transfer your money (ie your wages) from your building society into your current account each month to meet the direct debits due to be collected.

This would totally eliminate all 'illegal' charges for banking, because if you *didn't* transfer your money, it would be your own fault. If you *couldn't* transfer your money because you hadn't been paid on time, then your complaint should be directed at your employer who, after all, would appear to be the root cause of your problems.

Is this workable for you?

I agree open a savings account. Savings account = no charges

dchurch24

I know it's off topic, but is it possible to pay dd's and so's from a savings account - if so,I could stop paying things in cash, which due to restrictions on cashpoint machine withdrawals is a bit of a nightmare.

Robert_Sterling

DDs are only available from a current account.

The Halifax Bank Current Account with Websaver Account almost does the trick.
The Websaver allows you to transfer funds to the current Account from which DDs can be taken.
The Websaver pays 4.65%

JoseChungsDoomsday

dchurch24 wrote:

I know it's off topic, but is it possible to pay dd's and so's from a savings account - if so,I could stop paying things in cash, which due to restrictions on cashpoint machine withdrawals is a bit of a nightmare.

yeh as far as i kinow the halifax instant saver lets you have dd's on it though they dont broadcast it

YorkshireBoy

Robert_Sterling wrote:

The Websaver allows you to transfer funds to the current Account from which DDs can be taken.

The Websaver T&C's seem to indicate that 'certain' DD's can be taken directly from it...

5.3. We may let you set up certain types of direct debit, standing order or similar arrangements on your account to pay someone else.

http://www.halifax.co.uk/savings/pdf/websaverhx.pdf