Email protest to your mp

stapeley

I have emailed my MP to gain his views on excessive bank charges. I asked for his support . I suggested a charge of £12.50 would be fair .
If everyone could spend afew moments and emailed their MP, we could keep pressure on the banks for fairness.

wayne99

Good idea, but do you honestly think the banks will care ? i dont to be honest.

I mean who is going to challenge them ? no one, the OFT have backed off becuase they were scared.
The supreme court judge was paid off by the banks so they dont care.
Basically iam looking at this with a very pessimistic view even if we did try and do something it would be futile as the banks would just stick the middle finger up and hide behind the supreme courts ruling.

I do not like to admit defeat but after the phone call i had with sharkleys yesterday when i was told "if you dont like it take us to court, and if you do we will shut your bank account down" i just can be bothered with the hastle.

I know that the cost of the charges was unfair, yes they should put an industry standard charge into place of say £10.00 which is fair, as it costs say £2.50 to send a letter or whatever so thats £7.50 proffit on each charge, the banks could still make the money they need without ripping us off in the process.

But as i said above even if we ran around westminster naked with picket boards they wouldnt take note, the gouvernment would just b/s there way into making the whole thing a political stunt and then nothing would happen, the banks wouldnt abide by it as they dont legally have to, we cant boycott the banking sector as we need it.

etc etc etc.

I know my view of the whole thing is a negative but thats how i feel about all the banks, if i could live my life without them i would but thats near impossible in todays financial society, so i guess we will just have to go with the flow, and be more responsable with the way we all run our bank accounts, i have learnt alot about the way i used to bank and how i used to get all these charges, now to date i have had one charge in 2 years and that was refunded due to a bank error with dates on a standing order changing each month on there own.
prior to this i would get one a month or more lol.

thats my views.

ta

wayne.

elaine_west_derby

I have not reclaimed my bank charges, because I thought that I had incurred them and should bear the cost. However, I agree that they are unfair and I have noticed that since the Supreme Court's decision, my bank's charges have doubled!. I went over once last month and again this month, so I'm expecting a further large amount to be deducted.

Has anyone else noticed this?

I am now looking at my account on a daily basis.

housesitter

Oh no, I stole and now they are going to put me in prison. It's so unfair.

Oh no, I cheated on my wife and now she wants a divorce. It's so unfair.

Oh no, I crashed my car and now my premium's gone up. It's so unfair.

Oh no, I broke a contract I entered into and had to pay the penalty I agreed to. It's so unfair.




Millions of people managed not to, or indeed to take the consequences.
Grow up and blame yourself for your own action (or lack of it).


It's amazingly simple.
Instead of having a float of the bank's money try using your own!! Keep a minimum of £100 in your account and you'll find it quite hard to go overdrawn.
It's not exactly rocket science.
Do you people need to be spoon fed too?

Concentrate your efforts on not going overdrawn rather than bleeting about it on forums. :rolleyes:

wayne99

housesitter wrote: »

Oh no, I stole and now they are going to put me in prison. It's so unfair.

Oh no, I cheated on my wife and now she wants a divorce. It's so unfair.

Oh no, I crashed my car and now my premium's gone up. It's so unfair.

Oh no, I broke a contract I entered into and had to pay the penalty I agreed to. It's so unfair.




Millions of people managed not to, or indeed to take the consequences.
Grow up and blame yourself for your own action (or lack of it).


It's amazingly simple.
Instead of having a float of the bank's money try using your own!! Keep a minimum of £100 in your account and you'll find it quite hard to go overdrawn.
It's not exactly rocket science.
Do you people need to be spoon fed too?

Concentrate your efforts on not going overdrawn rather than bleeting about it on forums. :rolleyes:

I think you have missed the point of the thread in your rant, the point is not that we shouldnt be charged or that were all a bunch of idiots for reclaiming ?, do you honestly think its fair to charge someone say 30 35 40 etc for something that costs 2.50 ?.

if you went to your local shop to buy a loaf of bread that costs 99p and they said because you keep buying it all, they are going to charge you 20.00 for it and then if you moan they will ban you from the shop do you not think you would protest ?

Just for the record, i do keep more then 100 quid in my account each month, i didnt used to but now that i see bank charges as a nescisary evil that needs to exsist as people need to be paid a wage, banks need to invest, banks need to loan how can they do this without charging for things ?, i avoid getting in a position where i can be charged, what i would like to see is a standard charge that all banks have to agree to of say 10.00 or 12.00 or whatever, and see an end to the culture of ripping people off for sometimes a mistake, or a forgotten bill etc.

If you ever got to the point that alot of people are in where they are unemployed and on benefits, or on a very low income or a student watching the pennies, and cant keep funds in there account every week / month they make a simple mistake and then slam there hit with an excessive charge that could potentially leave them with no money to buy food or pay for electric or whatever do you think thats fair ? i dont.

yes for the completely irrasponsible few that cannot manage there money and behave like the banks are there personal "float" then yes they should be charged, but 30 35 40 pounds ? a pop, or 3 times a day ? etc etc, i dont think so.

bitemebankers

Keep a minimum of £100 in your account and you'll find it quite hard to go overdrawn.

- it quite hard to go overdrawn.
+ you're subsidising banker's profits

pelirocco

wayne99 wrote: »

I think you have missed the point of the thread in your rant, the point is not that we shouldnt be charged or that were all a bunch of idiots for reclaiming ?, do you honestly think its fair to charge someone say 30 35 40 etc for something that costs 2.50 ?.

if you went to your local shop to buy a loaf of bread that costs 99p and they said because you keep buying it all, they are going to charge you 20.00 for it and then if you moan they will ban you from the shop do you not think you would protest ?

Just for the record, i do keep more then 100 quid in my account each month, i didnt used to but now that i see bank charges as a nescisary evil that needs to exsist as people need to be paid a wage, banks need to invest, banks need to loan how can they do this without charging for things ?, i avoid getting in a position where i can be charged, what i would like to see is a standard charge that all banks have to agree to of say 10.00 or 12.00 or whatever, and see an end to the culture of ripping people off for sometimes a mistake, or a forgotten bill etc.

If you ever got to the point that alot of people are in where they are unemployed and on benefits, or on a very low income or a student watching the pennies, and cant keep funds in there account every week / month they make a simple mistake and then slam there hit with an excessive charge that could potentially leave them with no money to buy food or pay for electric or whatever do you think thats fair ? i dont.

yes for the completely irrasponsible few that cannot manage there money and behave like the banks are there personal "float" then yes they should be charged, but 30 35 40 pounds ? a pop, or 3 times a day ? etc etc, i dont think so.

Actually I would stop buying it if they were charging £20 a loaf .

The banks have to levy a charge that is large enough to deter people from going overdrawn .................It appears that the present charge is not large enough to do that :rolleyes:

The difference with the loaf of bread example is you are paying for a service , going over your agreed limit is not a service being offered by the bank ...........similer to you taking a loaf of bread from the shop and saying i will pay you whenever you can catch me .

having a low income isnt a new invention , and going overdrawn isnt a way of increasing your income

pelirocco

wayne99 wrote: »

Good idea, but do you honestly think the banks will care ? i dont to be honest.

I mean who is going to challenge them ? no one, the OFT have backed off becuase they were scared.
The supreme court judge was paid off by the banks so they dont care.
Basically iam looking at this with a very pessimistic view even if we did try and do something it would be futile as the banks would just stick the middle finger up and hide behind the supreme courts ruling.

I do not like to admit defeat but after the phone call i had with sharkleys yesterday when i was told "if you dont like it take us to court, and if you do we will shut your bank account down" i just can be bothered with the hastle.

I know that the cost of the charges was unfair, yes they should put an industry standard charge into place of say £10.00 which is fair, as it costs say £2.50 to send a letter or whatever so thats £7.50 proffit on each charge, the banks could still make the money they need without ripping us off in the process.

But as i said above even if we ran around westminster naked with picket boards they wouldnt take note, the gouvernment would just b/s there way into making the whole thing a political stunt and then nothing would happen, the banks wouldnt abide by it as they dont legally have to, we cant boycott the banking sector as we need it.

etc etc etc.

I know my view of the whole thing is a negative but thats how i feel about all the banks, if i could live my life without them i would but thats near impossible in todays financial society, so i guess we will just have to go with the flow, and be more responsable with the way we all run our bank accounts, i have learnt alot about the way i used to bank and how i used to get all these charges, now to date i have had one charge in 2 years and that was refunded due to a bank error with dates on a standing order changing each month on there own.
prior to this i would get one a month or more lol.

thats my views.

ta

wayne.

Ho hum :rolleyes:

wayne99

pelirocco wrote: »

Actually I would stop buying it if they were charging £20 a loaf .

The banks have to levy a charge that is large enough to deter people from going overdrawn .................It appears that the present charge is not large enough to do that :rolleyes:

The difference with the loaf of bread example is you are paying for a service , going over your agreed limit is not a service being offered by the bank ...........similer to you taking a loaf of bread from the shop and saying i will pay you whenever you can catch me .

having a low income isnt a new invention , and going overdrawn isnt a way of increasing your income

i agree with what your saying, but i still dont agree with the excessive charges levied as a penalty.

I still stick to my original view, yes charge i do not disagre with charging.
But i would like to see it set to a reasonable amount for consumers, not a reasonable amount for the banks to make massive profits, i would like to see an end to both people getting them selves into a position where they are charged, but highly doubtfull that would happen, but if and when they do an end to charging 15 or 20 times the actual cost of the admin for when someone does commit a breach of contract.

I understand the charges are there to deter people from going overdrawn or bouncing items, but i just think its way to high.

thanks for your reply.

wayne.

wayne99

The supreme court judge was paid off by the banks

pelirocco wrote: »

Ho hum :rolleyes:

perhaps not a good comment, but its my opinion, sorry if it offends in anyway.

housesitter

bitemebankers wrote: »

- it quite hard to go overdrawn.
+ you're subsidising banker's profits

So make it near zero and mange your money better.

Keeping £100 in the account is for people who obviously cannot !!

wayne99 wrote: »

do you honestly think its fair to charge someone say 30 35 40 etc for something that costs 2.50 ?.

Yes. If you sign a contract without being under any duress knowing full well what the penalty is for breaking the terms of that agreement.

if you went to your local shop to buy a loaf of bread that costs 99p and they said because you keep buying it all, they are going to charge you 20.00 for it and then if you moan they will ban you from the shop do you not think you would protest ?

Not really because as comparisions go it's not even close to what is going on.
Try this one:

Go into the shop and keep taking bread for free whilst the shop keeper isn't looking.
Once he notices he hits you with a request for the money he could have actually made from selling the bread you've been having for free.
TBH you're lucky he is being so nice about it all and not doing you for stealing it.

the culture of ripping people off for sometimes a mistake, or a forgotten bill etc.

It's called capitalism. There is competition and choice. If you don't like one company go elsewhere.

If you ever got to the point that alot of people are in where they are unemployed and on benefits, or on a very low income or a student watching the pennies, and cant keep funds in there account every week / month they make a simple mistake and then slam there hit with an excessive charge that could potentially leave them with no money to buy food or pay for electric or whatever do you think thats fair ? i dont.

Been a student thanks, I got a job and never went overdrawn. Most of my mates did, some went way over.
Been unemployed thanks, that's why I have savings in the good times for the unexpected. It's called planning.

Bank charge whiners have a tendancy to have very little planning or indeed any saving ability, living from one paycheck to the next.
They generally need to re-address their lifestyle as it's obvious they cannot afford it but choose instead to blame others for their inability to either budget or save properly.
It's kinda how the whole country / world has gotten into the mess it's in. Lack of personal responsibility and must have it now attitude.

then yes they should be charged, but 30 35 40 pounds ? a pop, or 3 times a day ? etc etc, i dont think so.

They could have gone elsewhere, they could have taken an account that didn't let them go over drwan, they could have done so many things but they found it easier to sign a contract, perhaps without reading it and then whine when someone fairly legitemately decides to enforce their side of it after same said person broke it.

Put yourself in the banks shoes.
Do you just let people take your money without doing anything about it?
Shall I come round your house once a month and take all your cereal?