what is a "fair" unpaid Direct Debit charge?

Sol00

I wasn't meaning you, but the comment was narrow minded.

willo65

Sol00 wrote: »

That is not always a choice and it is narrow-minded to think that. The majority of the time it is due to circumstance.

I think you'll find the majority of the time the circumstances are avoidable on occasion when people do find themselves in difficulty then fair enough they are being charged when maybe they shouldn't but the majority of the time it's just that people can't be bothered. Many customers will go o/d time and time and time again - why? they have no idea of how much they are actually spending.

willo65

Nathan_Spleen wrote: »

Did I mention human rights?

You are still avoiding the question: If you get a tin of beans for 21p what do you get for paying a £35 bounced direct debit charge? I'd be genuinely interested to know.

Ok another take on this I park where i shouldn't, I get a huge fine.....What do i get for paying that fine?

Nathan_Spleen

The difference is that the body issuing the fine is authorised to do so. Banks are not authorised to issue fines as they are not an authority. And you could also argue that in incurring the fine you get to park your car somewhare.

Also, in the case of boucing a direct debit, you have done nothing contractually wrong.

I can only asume that by continually throwing up irrelevant and meaningless analogies, the answer to the question - what do you get for your £35 - which you transparently refuse to answer, is ripped off.

Nathan_Spleen

willo65 wrote: »

Ok another take on this I park where i shouldn't, I get a huge fine.....What do i get for paying that fine?

This is desperate!

The difference is that the body issuing the fine is authorised to do so, becuase you have infringed parking regulations. Banks are not authorised to issue fines as they are not an authority. And you could also argue that in incurring the fine you get to park your car somewhare.

Also, in the case of boucing a direct debit, you have done nothing contractually wrong and therefore any kind of penal measure cannot be warranted.

I can only asume that by continually throwing up irrelevant and meaningless analogies, the answer to the question - what do you get for your £35 - which you transparently refuse to answer, is ripped off.

willo65

Nathan_Spleen wrote: »

This is desperate!

The difference is that the body issuing the fine is authorised to do so, becuase you have infringed parking regulations. Banks are not authorised to issue fines as they are not an authority. And you could also argue that in incurring the fine you get to park your car somewhare.

Also, in the case of boucing a direct debit, you have done nothing contractually wrong and therefore any kind of penal measure cannot be warranted.

I can only asume that by continually throwing up irrelevant and meaningless analogies, the answer to the question - what do you get for your £35 - which you transparently refuse to answer, is ripped off.

But I was parking my car there anyway without paying a penny - I get caught i get charged. As you are so desperate for an answer you clearly get nothing for your £35 but I guess you already knew that anyway. I would say theft is something wrong and trying to spend the banks money without authorisation is in effect theft so yes you have done something wrong.

back to the OP i would say that wether the current fees are fair or not is not for me to say but it would be fairer if the fee was say £8/10/12 which is a lot lower than they are currently.

Nathan_Spleen

I've got my head in my hands now.

Clearly you are incapable of articulating your argument without resorting to untruths.

As a bank worker you should know that it is impossible to spend money you don't have without the express permission of the bank. Think about it. So to equate this to theft is not just careless but demonstrably untrue and simply pathetic.

I dare say that if your employer knew you were spouting this garbage they would think twice about continuing your employment.

willo65

Nathan_Spleen wrote: »

I've got my head in my hands now.

Clearly you are incapable of articulating your argument without resorting to untruths.

As a bank worker you should know that it is impossible to spend money you don't have without the express permission of the bank. Think about it. So to equate this to theft is not just careless but demonstrably untrue and simply pathetic.

I dare say that if your employer knew you were spouting this garbage they would think twice about continuing your employment.

I think you'll find its not impossible, do you have any idea how debit cards work?? I suggest you reasearch before you start shouting your mouth off. Similarly if you have promised to pay someone with a cheque gurantee card knowing full well no funds are available then this is also theft?

Orford

I suggest you reasearch before you start shouting your mouth off. Similarly if you have promised to pay someone with a cheque gurantee card knowing full well no funds are available then this is also theft?

Since you, on the other hand, have researched this thoroughly, perhaps you can tell me how many prosecutions for theft there have been in this scenario?

willo65

Orford wrote: »

Since you, on the other hand, have researched this thoroughly, perhaps you can tell me how many prosecutions for theft there have been in this scenario?

Did I say there was any? I was posing a question to which the objection was that it is "Impossible" to go overdarwn without the "Express permission" of the bank. this is blatantly not true so I contested. Who pushed your buzzer? It may not be illegal although it could be i suppose but the point is that it's not Impossible to go o/d without the express permission of the bank.

Although the bank does not prosecute why would that change the meaning of theft?
theft

   /θɛft/ Show Spelled Pronunciation [theft] Show IPA , –noun 1.the act of stealing; the wrongful taking and carrying away of the personal goods or property of another; larceny.2.an instance of this.3.Archaic. something stolen.

Origin:
bef. 900; ME; OE thēfth, thēofth; see thief, -th 1 ; c. ON thȳfth, obs. D diefte




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