MSE News: Bank charges: banks win test case appeal

Skintman001

I have charges of £60 , £100 & £125 on my statement how can these amounts bbe clased as fair for a computer generated letter!!!! again its the small people who get screwed by those with money!

The_Hallowed_Way

Doc_N wrote: »

What a beautifully crafted response. It says so much about you.

Thing is Doc, he's right. I am a pillock and I don't understand.

jamespir

PROLIANT wrote: »

The same applies for the "tax payers" money the lazy little dole and benefit scroungers are getting then doesn’t it - except this is not a one off to help them out, it is their main source of income. It is not about taking sides here, more screwing your loaf and leading a life with a little integrity and back-bone old man.

now you being plain stupid

i m unemployed and im certaintly not a benifit scrounger or a lazy littel dole quee person

i dont claim benefits

and im not an old man and im not a selfish tightwad which i the impression you gave me

when you gte made redundant then youll probably see a different light

jamespir

Doc_N wrote: »

What a beautifully crafted response. It says so much about you.

thanks im glad you approve
:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

gezzs

I got my claim in just as the banks stopped paying out, and have been waiting with baited breath since. This announcement is a blow. As many have already said, it just shows the banks are not there to help you, and can get away with ridiculous charges.

A sad day indeed.

RachelW1987

I think some people are being very very insensitive here

Its very easy for you to sit smugly and look down on people but I know the feeling of being screwed over by the bank very well!!

I moved out when I was 16 with my OH we have a flat together, we could afford it and budgetted our money very well, never went overdrawn or missed payments or mortgage payments. My OH lost his job, I had a basic salary job (very basic) we used all our savings payiong our mortgage each month. We got charge after charge after charge off the bank. .

OH has a job now, but those few months were the most stressful of my life. I budgetted and had money set aside for a rainy day but it didnt do us much good. It was a horrendous time and increadibly stressful. Dont judge people before you know their situation.

j19

kgb26 wrote: »

Do so, this is outrageous. People can go into debt for all sorts of reasons, and we have just been through a dreadful economic situation. Some people get into debt through illness, bereavement, the death of a child, depression, loss of a job etc.

As sad as that is, it doesn't mean the banks should provide that debt for free or at a very low cost.

mramra

Skintman001 wrote: »

I have charges of £60 , £100 & £125 on my statement how can these amounts bbe clased as fair for a computer generated letter!!!! again its the small people who get screwed by those with money!

Read your terms & conditions. I presume the charges are for unauthorised overdrafts. This means that you borrowed additional money you were not entitled to and were therefore penalised for doing so. You should try to be more careful in future.

TBeckett100

Q: What does this mean for customers who have complaints about unarranged overdrafts on hold?
During the test case, we agreed with the FSA and the Financial Ombudsman Service (FOS) that customer complaints relating to unarranged overdraft charges would remain on hold.
As the judgment concludes the test case, the FSA has agreed that these complaints should no longer remain on hold.
This means that for those customers who currently have an outstanding complaint about unarranged overdrafts, we’ll be writing to them shortly to let them know what today’s judgment means for them.
We be asking the County and Sheriff Courts to apply the Supreme Court judgment to dismiss any claims they currently have on hold.

tonyb299

caprontee wrote: »

Should the banks have to pay back money to people who did go overdrawn then the majority of us would have to pay more. Why should we subsidise those who go overdrawn. Well done the Supreme Court!!!

Its those who go overdrawn who already subsidise you... muppet!