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Bank charges are fair!
Comments
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Us being the financially irresponsible I assume?
Jobs? I got a placement this year, with a number of my friends whom also got jobs. I don't know anyone (in rl) who hasn't managed to get a job over the past year. I find people coming on here saying jobs are few etc. and that they can't get one, personally, I don't believe it.
:rotfl:No clue.
There are a thousand reasons why people get into debt, and it is hardly a new hobby people have found.
Some people are desperate and have no choice. Many times I saw people wearing rags trying to get a crisis loan from the job centre but declined. Walked out crying.
No doubt their OD is maxed.
Try again.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
never-in-doubt wrote: »Actually, to fully cancel a DD you tell the bank, if they then pay it you claim under the DD Guarantee. I was specifically referring to early payment collection, annual car insurance is the worst as they can sometimes get carried away from old DD authorisations....
I understand about BG but ultimately if it between my bank and me to sort payment, not them. They have NO rights and once cancelled with my bank, the fact they try and take money is illegal if not immoral.
Nope - not at all, it happens moreso now with the CRA CIAS/INSIGHT sharing methods used by banks, therefore more and more people are waking up daily to find reductions.
I'm a prime example, never been in debt and have no debt. Earn well in excess of £70k and have thousands in my account but you know what - my bank lowered mine due to a data feed from Experian showing an incorrect CIFAS.
So, what did I do wrong there exactly? I appealed to HSBC and they did refund the £25 charge (this wasn't an unauthorised o/d fee - more the renewal fee for changing in 6 months - which I didn't ask for so why was I charged?)....
I have now stopped using HSBC all because of this one incident.
My mortgage payment is well over £1,300 per month and varies between £900 to £1700 so sometimes I need an overdraft in case they take more. £100 is back pocket change to me, sorry but it is! I drink/gamble this on a good night out lol :rotfl:
Some people are genuinely skint mate - you must see that? The banks are not helping matters, moreso making them worse! There is no need to hit people on the breadline that are trying, with such extortionate charges.
Sorry, maybe it's just me that feels like supporting the majority over banks - but either way, I do and will never change - banks are scum and greedy scum at that! :mad:
Visit JC+ for proof - their facts speak loud and clearly for themselves.... Oh, I worked there for 7 years as well and have a vast insight into the workings and Labour market System and trust me, students and the young struggle - in general - to find sustainable employment. Sustainable being the operative word.....
I applaud your working ethos - I wish more layabouts had your attitude mate :T :T
Not when one is ignorant.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
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Us being the financially irresponsible I assume?
Jobs? 1. I got a placement this year, with a number of my friends whom also got jobs. I don't know anyone (in rl) who hasn't managed to get a job over the past year. 2. I find people coming on here saying jobs are few etc. and that they can't get one, personally, I don't believe it.[/QUOTE]
1. Great news! That is 1 less figure out of the 5 million currently unemployed.
2. Where are these jobs again?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
1. Great news! That is 1 less figure out of the 5 million currently unemployed.
2. Where are these jobs again?
I won't say where my job is, however, its a big computer company.
Friends jobs:
Accountant, worked there this summer, offered a job when he graduates. (FT summer job)
Waitrose (PT job), got it in October 09
John Lewis (PT job)
Kew Gardens (placement)
London Fire Service (summer job)
One person has failed to get a job even though he tried, but if you saw him you would know why.0 -
As explain on this forum many times, to fully cancel a DD you must go to the company. Cancelling a DD doesn't mean one cannot be set up again. Think about it, my gas and electric, if I cancelled the DDs on this it would be a big problem for British Gas.
The second option about overdrafts being taken away I agree is a serious one, but it only happens to people (from looking at this forum) who abuse their overdrafts.
And finally, a lot of member here do say a £100 authorised overdraft (or staying £100 in credit) is a good buffer zone for these problems.
Would you say its not financially responsible to have some sort of buffer for these sorts of cases? Living close to £0 for months and months is just asking some problems.
As said in my post, I haven't had a problem getting jobs over the past 2 years and I see plenty of jobs advertised around town at the moment. I'd rather trust real life that what a couple of people on the interweb say.
Bit in bold - and whose faults that? I've had a part time job since I was 15. It's been awesome. I suppose thats why I am able to get a job.
Oh, and I didn't say it was easy, I just said it wasn't impossible like everyone else is saying.
yeh with armies of people applying for it LOL.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
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never-in-doubt wrote: »see, discrimination against non drivers :rotfl: :rotfl: :rotfl:
LOL
Let's just hope things ease up regarding the job market.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
2010 - year of the troll 
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