protest march

pingchris

ILW wrote: »

Clear as mud, what were you charged £4000 for exactly?

ok lets say i had 1 direct debit set up on my account for £150.00 going out to pay mr x on the 15th december,when that date arrives there is no money in the account so the bill isnt paid,the bank dosnt pay it either,all the bank does is issue a letter to tell you your direct debit did not go through,for that letter you pay the bank £39.00,they take it from your account, if there is no money in your account then the account will then show up as an overdrawn of £39.00.

so the bank actually places you in an overdrawn status itself,ive never taken cash from my bank and spent it and gone overdrawn,the only thing i did was miss direct debits,and worked my !!!! off for years trying to stay in with the bank and be a good customer but they just drove me into the wall for it.

ILW

By setting up the direct debit, you in effect told the bank to debit your account with money you did not have. If you had cancelled the DD you would not have got charged.

pingchris

ILW wrote: »

By setting up the direct debit, you in effect told the bank to debit your account with money you did not have. If you had cancelled the DD you would not have got charged.

you said my comments were clear as mud,your comments are the same.i did not ask the bank to debit my account with funds,and also they did not credit my account with funds ,that is ludicrous your argument is completely flawed

pingchris

and to add,i have no overdraught facility on my account,never have i been allowed to be overdrawn,not once.

but the bank can place me overdrawn if they want to.

voiceofreason

pingchris wrote: »

ok lets say i had 1 direct debit set up on my account for £150.00 going out to pay mr x on the 15th december,when that date arrives there is no money in the account so the bill isnt paid

Why was there no money in your account on the day?

pingchris

because i didnt have any money to put in,financial difficulties tend to leave you with not enough money !

jdx

pingchris wrote: »

because i didnt have any money to put in,financial difficulties tend to leave you with not enough money !

You really don't need to justify yourself anymore than you have. Those on here that are happy with the decision will never see it your way until they [god willing ] experience the difficulties you have. And those that understand your argument would have experienced something similar.

Keep your head up Chris. It's not completely over yet.

pingchris

jdx wrote: »

You really don't need to justify yourself anymore than you have. Those on here that are happy with the decision will never see it your way until they [god willing ] experience the difficulties you have. And those that understand your argument would have experienced something similar.

Keep your head up Chris. It's not completely over yet.

thanks jdx much appreciate your post,its kinda strange in a way but im envigoured and stronger than i was before concerning this case,the harder they knock me back the stronger i feel i am becoming,im ready for anything these bank folk throw at me now,i know we are right.:beer:

scotty1971

wallbash wrote: »

I must admit I have spent hours on here today , normally just read when I pass the computer.First time ever posting on this section . Its been a real eye opener.

must pass the computer alot,with having over 2500 posts

as0ta

ses6jwg wrote: »

dont spend more money than you have

Oh, but if only it was as easy as that. :rolleyes:

How many people do you know that budget for everything? Not many? You may be surprised to know there are people that do. Yes, there wouldn't be any charges if there were funds when the d/ds go out [things don't always run smoothly] but charging up to £35 at a time only contributes to their debt.