Bank Charges - Banks Win!

never-in-doubt

glider3560 wrote: »

They are only profit making companies, so of course they aren't allowed to make a profit on goods/services they provide.

Then their prices in full should be quoted, clearly so we can decide whether to use their services. If there is no overdraft facility then they should refuse any payment and not write to us, therefore no cost. They should not charge for such event.

glider3560 wrote: »

People seem to think they have a right to lend the bank's money - which they don't.

I think you mean 'borrow' :rotfl: and I think you'll find it is like a tax rebate, isn't it

glider3560 wrote: »

If you know a payment is due to leave your account and your account won't cover it - cancel the payment and seek an alternative method to pay the bill. After all, you don't have any right to the bank's money so why should they lend it to you?

Jees - for the 255th time, what if you don't know a payment is due to leave, say a mistake or overcharge? A lot of things can and evidently do go wrong. If only life was as black-and-white as you portray it to be :D

thebrow2000

never-in-doubt wrote: »

Idiot!

Moneysaving by paying a reasonable amount for a charge and not whatever the banks decide to charge! :mad::mad:

Little rude i feel.

The way its going the banks will charge everyone and I dont wish to pay for those people like yourself, who cant manage their finances.

I thank you

never-in-doubt

thebrow2000 wrote: »

Little rude i feel.

The way its going the banks will charge everyone and I dont wish to pay for those people like yourself, who cant manage their finances.

I thank you

Like myself? What, live in a lovely big house, earn great money and have 3 cards with £0 owing and have 3 cars, 4 family holidays a year (one to my villa in greece) and don't want for anything? You mean those types of people yea? :rotfl::rotfl::rotfl:

terrorfirma

Lokolo wrote: »

And I am rather lucky. I get just over £4500 from grandparents a year to pay for all costs.

I see you like to bang on about people being ignorant about their finances, preparing for unforseen circumstances. Nice to see that your grandparents give you enough to pay for all your costs plus some besides, unfortunately not everyone is as fortunate as you to people who can bank roll them while they preach to others about managing their finances, what a joke. Try managing without your 'handout' for a year, maybe then you will have a better understanding about budgeting on a fixed income.

never-in-doubt

To be fair I give my daughter £500 per month as a kind of bursary in exchange that she works hard and gets a good result..... any parent worth their salt want's the best for their kids - whilst I see what you're saying, if they have agreed this with lokolo then I don't see the problem - its the same as budgeting in your student loan.

I'm not having a go at students cos some are good, lokolo (generally) is and so is my daughter (maybe cos i'm a tight sod lol)....

Lokolo

terrorfirma wrote: »

I see you like to bang on about people being ignorant about their finances, preparing for unforseen circumstances. Nice to see that your grandparents give you enough to pay for all your costs plus some besides, unfortunately not everyone is as fortunate as you to people who can bank roll them while they preach to others about managing their finances, what a joke. Try managing without your 'handout' for a year, maybe then you will have a better understanding about budgeting on a fixed income.

I have done for the past 7 months.

I am on a year out. No help. I take home £1028.86 a month. I managed to save around £300-£500 a month depending how drunk I get at weekends in that month.

never-in-doubt wrote: »

To be fair I give my daughter £500 per month as a kind of bursary in exchange that she works hard and gets a good result..... any parent worth their salt want's the best for their kids - whilst I see what you're saying, if they have agreed this with lokolo then I don't see the problem - its the same as budgeting in your student loan.

I'm not having a go at students cos some are good, lokolo (generally) is and so is my daughter (maybe cos i'm a tight sod lol)....

Ha my mum is the complete opposite of me. She has around £4k on CCs.... haha.

never-in-doubt

Just to wind up the do-gooders:

Read it and weep! Think we're gonna lose the 12 test cases do you? lol - bring it on!

Another unenforceability victory :cool::cool::cool:

moo_cow wrote: »

Hi NID, fantastic news this morning! I've had a letter from lowell's confirming that they are closing the file and will not be pursuing me for any more money.
I can't believe it! This has taken less than 3 weeks to sort out.
So HUGE thanks to you for all your help and advice. If it hadn't been for this thread I would have carried on paying over £100 a month on a well disputed account.
This couldn't have come at a better time especially with my husband having lost another £100 a month in hours.

The response above touches more heart strings, to me, than any bank bragging about their annual bonus. :cool:

never-in-doubt

Why has the thread gone quiet???

Lokolo - what you got in your mouth :eek::eek:

(Niddy Boy runs for cover seeking a bomb shelter or similar!)

Lokolo

never-in-doubt wrote: »

Why has the thread gone quiet???

Lokolo - what you got in your mouth :eek::eek:

(Niddy Boy runs for cover seeking a bomb shelter or similar!)

You talk too much. And nothing, I'm still here lol. I am at work though so trying not to reply to everything on these boards

never-in-doubt

Lokolo wrote: »

I am at work though

In a bank.....? :rotfl::rotfl:

Look what I just seen: