MSE News: Bank charges: banks win test case appeal

philatio

I might be smug and heartless.. but I'm sure glad I'm not going to have to pay £10 a month for a current account just to subsidise the people who feel like spending money they don't have.

neverdespairgirl

Hollypop wrote: »

why should this 1 judge decide in 2 minutes the outcome of millions of people lives!

Don't be silly. It wasn't one judge, it was the whole bench of them who heard the case in the summer. And it wasn't 2 minutes, the judgment was written over months!

The_White_Horse

dirtydavey wrote: »

How would that help? with no bank I dont get paid!

With no DD, I get no gas, elec, etc.

You may have people you can borrow £35 from. But to me thats a hell of a lot of money!

if you have no money to pay DD then you have no money. better to not pay them, than not pay them from bank account and be hit with yet another charge.

the problem is, people are generally stupid. you don't have to pay gas or elec by DD. cancel the DD and stop getting bank charges. I would expect a 4 yr old to work that out!!

Jamez1988

This is absolutely disgraceful.

It shows what a truely S*** country we now live in.

I bet the judge couldn't give a S*** because his wages are such that there is no chance he would ever go overdrawn.

Something needs to be done about this. I really think now there really should be some kind of a Run on the banks, its disgraceful, Lloyds charge me so much in fees it makes me sick.

Then you ask for a refund OH NO of course not, horrible little ugly women they have in there that tell you they are keeping your money.

We have no rights left and I can only see this situation getting worse.

VOTE OUT LABOUR for starters, useless FAT git they have in charge.

UGH im so IRRITATED by this, What a waste of 3 years waiting !!!!!!

mramra

berkshirelady wrote: »

well, hello to the smug people who are posting on here and lecturing the rest of us. I'm soooo profligate with my money, last night (as usual) I went on a 'yellow label use by same day' bargain hunt in my local Co-op and got 3 packs of sausages (were £2.59 a pack) for the princely sum of 20p a pack. I had planned to cook them up in to a sausage casserole to last me for the rest of the week.

However, I now think it would be well worth the 60p I spent to force feed them, uncooked, to Lord Phillips, and then tell him I could force feed him another 172 packs of sausages if I hadn't been charged £35 AGAIN by Lloyds.

Alternatively, pay more attention so that you don't go overdrawn again thus avoiding the charge that is clearly stated in Lloyds T&Cs that you agreed to when you opened the account.

dm1983

The FOS have been sitting on my complaints regarding HBOS and Natwest for quite a while now.

Will today's judgement mean that the FOS will definitely rule against me?

Tom1234

Ignore the trolls on here guys. 99% of them probably have never known what it's actually like to be in a difficult financial situation through either inexperience or circumstances outside of your control.

Personally, I wasn't counting on getting charges back - I hadn't even put in a claim. The debts I incurred while putting myself through university were my responsibility to deal with, and deal with them I am.

That doesn't however give some compassionless idiot the right to laugh at people who are in serious financial trouble and have come to this site for help and advice.

To those posting about 'you shouldn't get into an overdraft', or 'just don't get charged then' you should be ashamed of yourselves. What on earth gives you the right to mock and belittle others. I've reported your posts as abuse, and I encourage others to do the same. I find your posts offensive, and as such they breach the forum rules.

neverdespairgirl

santiago7 wrote: »

the judge must of got A VERY GOOD BACK HANDER!!!

You are seriously suggesting that all the members of the House of Lords who heard the matter were bribed in this case?

Toys back in pram, perhaps?

MillaJoJo

philatio wrote: »

I might be smug and heartless.. but I'm sure glad I'm not going to have to pay £10 a month for a current account just to subsidise the people who feel like spending money they don't have.

Don't worry, those of us in need will find a way out. Then when you find you're going to get charged to use your account, don't come running here looking for support.

DMC65

simonp wrote: »

I'm obviously in the minority here but I'm glad of this decision.

No-one will win - if the banks lost they would just end free banking and we'd ALL have to pay for it.

As someone who hasn't paid a bank charge since being at uni in the 90's, I'm more than happy with my bank

If you go overdrawn without permission, you pay the fine! Simple!

Sorry - don't shout at me! I'm a big Martin Lewis fan but have always been against this campaign.

People like you have no place in a fair society

What about people without an overdraught facility that are charged for unpaid direct debits. Why charge somebody £30 - £40 for no service? that is a penalty charge.

God help you and folk like you should you fall upon any hardship in your life, like illness or redundancy, because the will feast upon you like vultures, and the have just been given permission by the highest court in the land.