Call to boycott NATWEST

ollyk

Well I'm with the Boss,

As most terms and conditions aren't written in plain English

well I knew how to 'behave' and 'play' by the banks rules since I was charged for my first cheque bounce aged 16. That taught me a lesson. I didn't have to read any T&C's to get this. Also I have not been charged since. Why? I will let you decide that! But to help you understand When I am in trouble I TALK to my bank and we make arrangements. I guess we have a sort of mutual respect for each other!
Also, being a newby saver (was in debt) I am sick of people going bankrupt thru there own STUPID spending habits, but most of all I am sick of people claiming back bank charges when it was them that broke T&C's - On both counts I am paying for these a$$holes mistakes :mad: They of course think how wanderfull they have been beating the bank at there own game. In my opinion they are as daft as someone who thinks they can beat a fruit machine :rolleyes:

Tim_L

No, Ollyk, you are not paying for anyones mistakes.

You will broadly speaking get the same savings rates and current account deals from any bank, because these are conditioned by competition not gross profit. Banks will charge as much as their customers let them, and will pay as little interest as their customers will accept without changing to another bank. And in fact since most people with sense use dedicated savings accounts, not those tied to banks, which do not have products attracting penalty charges, it's pretty obvious that there can be no link between the best savings rates you can get and the fact that an organisation tries to extract unlawful penalties. None of this will cost you anything at all unless you are a shareholder in a bank, and even if you are you there is no justification for taking money unlawfully obtained.

It amazes me frankly how much anger is directed against people who are frankly just getting their own money back from an organisation that has taken it from them under an unfair and unlawful contract. Certainly calling a large group of people you don't know "a$$holes" does not alter the fact that they can and I hope will continue to reclaim their money.

And I have to say that if there are any "a$$holes" in this equation I'd be more inclined to look for them on the side of the argument that apparently bitterly resents the fact that banks are not being permitted to steal their customers' money and posts sarcastic or inflammatory messages. Why people can not just relax and accept that the refunds are going to continue and worry about something else in their lives other than the pennies it might cost them on their personal banking I really have no idea.

oldwiring

I thinlk those who do not conduct their affairs properly arw a very sad minoroity and to be honest, although there may be some differences of opinion about how much banks should charge, that minority, with the exception of those who have genuinesly fallen on hard times, are utterly selfish. If you don't like that-tough.

Hereward

ollyk wrote:

l I knew how to 'behave' and 'play' by the banks rules since I was charged for my first cheque bounce aged 16. That taught me a lesson. I didn't have to read any T&C's to get this... When I am in trouble I TALK to my bank and we make arrangements.

Excellent, you sound like the ideal customer: one that does not read the T&Cs. If you read the small print you can find some very interesting things. If I offered an account, I could insert a clause that states it you make any withdrawals I can claim your first born child. As you don't read the T&Cs this is totally fair as you have signed them away. It always pays to read a contract before you sign it just in case there is something you don't agree with, or conversely something that could benefit you but would have to claim for.

If you talk to your bank to make "arrangements" then you are clearly not playing by the bank's rules, but are trying to get an unfair advantage over an organisation that you have signed a contract with: this sounds like what those trying to claim the charges back, which you appear very opposed to, are trying to do, thus making you appear hypocritical.

Tim_L

oldwiring wrote:

I thinlk those who do not conduct their affairs properly arw a very sad minoroity and to be honest, although there may be some differences of opinion about how much banks should charge, that minority, with the exception of those who have genuinesly fallen on hard times, are utterly selfish. If you don't like that-tough.

So let's assume for the sake of argument that this is true. Why the hell should it bother you or anyone else?

Are you going to tell me they cost you a significant amount of money? In which case you are going to have to back this up with some actual figures, because I don't believe you have any.

This whole line of attack stinks of self righteousness. People are seeing others apparently breaking the rules and being rewarded, and it sticks in their craw.The truth of the matter is that the people breaking the rules are the banks, and they are now being forced to return money unlawfully taken from their customers. I really would like to know why this is a problem to anyone else? It's really no-ones business but the banks and the customers involved.

ollyk

Hereward wrote:

Excellent, you sound like the ideal customer: one that does not read the T&Cs. If you read the small print you can find some very interesting things. If I offered an account, I could insert a clause that states it you make any withdrawals I can claim your first born child. As you don't read the T&Cs this is totally fair as you have signed them away. It always pays to read a contract before you sign it just in case there is something you don't agree with, or conversely something that could benefit you but would have to claim for.

If you talk to your bank to make "arrangements" then you are clearly not playing by the bank's rules, but are trying to get an unfair advantage over an organisation that you have signed a contract with: this sounds like what those trying to claim the charges back, which you appear very opposed to, are trying to do, thus making you appear hypocritical.

You are right, at 16 years old I did not know what T&C's were, let alone how to check them. I soon learnt though, and have AT LEAST skimmed through T&C's ever since. You might actually want to stop assuming things and READ threads because AT NO POINT DID I SAY I DON'T READ T&C's :mad: Do you pay as much attention to your T&C's I wander?
As for your second point, what do you think arranged overdrafts are? I think you would have to agree that we all need a little flexability from time to time - could such arranged overdrafts not be considered an amendment to T&C's?

ollyk

Tim_L wrote:

I really would like to know why this is a problem to anyone else? It's really no-ones business but the banks and the customers involved.

Do you believe everyone who has ever been 'overcharged' should get a refund? I would like to see that! Where would banks draw the line? What effect would this have on people who had some sort of ability to handle money responsably? The banks will loose a hell of a lot of money as a result of this ruling and I can't believe you think this will not have an effect elsewhere! They will get this money back, They sure as hell won't get it from the people who are claiming so I just can't helpp feel I will be contributing some of my savings toward these IDIOTS refunds :mad:

southernscouser

The_Boss wrote:

These guys are totally disgusting. I mean, I have always paid my credit card on time and never gone over the limit and never gone over the limit of my overdraft. Recently I wrote to them demanding several hundred pounds in a rude and aggressive manner, using words that I had never heard of before until I came on here, asking for the money. I explained that I had always kept to my terms and condtions of the accounts, been organised with my finances, setting up direct debits where necessary and making sure funds had plenty of time to clear. Never had I missed a payment and used an excuse such as "I was on holiday" or "the dog ate my paying in slip", yet they wont send me any of the money I demanded.

I mean, I havent cost them anything in having to process charges and other stuff or been a total pain in the !!!!!! customer. Yet they wont pay up. I dont understand it when banks are apparently giving money back to the totally unorganised cant be bothered crew, who are running around like they have won the FA Cup with grins like Cheshire Cats - why give back to them and not to me? Maybe I should not bother making any more payments or be totally crap with my money and not pay on time. What do you think?

You are a complete and utter idiot and you really aren't funny. Tell you what, when I get my £1,100 odd back from Natwest after they ilegally charged me fees, I will buy you a couple of decent joke books. Until then keep your childish comments to yourself coz to be honest no-one wants to hear the drivvel that comes out of your mouth!

southernscouser

ollyk wrote:

On both counts I am paying for these a$$holes mistakes

I think you will find that it is you that is an a$$hole. And as you rightly say, mistakes!

Have you never made a mistake in your life a$$hole?

No. Well aren't you a perfect a$$hole! :rolleyes:

southernscouser

ollyk wrote:

Do you believe everyone who has ever been 'overcharged' should get a refund? I would like to see that! Where would banks draw the line? What effect would this have on people who had some sort of ability to handle money responsably? The banks will loose a hell of a lot of money as a result of this ruling and I can't believe you think this will not have an effect elsewhere! They will get this money back, They sure as hell won't get it from the people who are claiming so I just can't helpp feel I will be contributing some of my savings toward these IDIOTS refunds :mad:

So we get ilegally charged but you don't mind as long as it doesn't cost you anything. Well you know what, I hope it does end up costing you some of your savings. Actually I hope it ends up costing you all of your savings. Then you will know how it feels to have your money ilegally taken from you!

And does putting the word idiot in caps make you feel better?

A$$HOLE!