Current Account Charges - Why I have no sympathy

Graham_Devon

dchurch24 wrote:

Oops - quite right - 881 was my post count ;-)

I fail to see how the bank has paid - as far as I can see it's been very profitable for the bank. The woman on benifits has paid - no-one else, and it wasn't her fault either.

Are you being sarcastic here or is this some kind of funny line? If you fail to see how the bank have paid for it then you are severly unfortunate and I have the utmost sympathy for you!

The bank pay your DD's, just like they said you would using THEIR money!! You think the banks money is just pretty figures?!

Let me make it clear. If you take a loan from a friend to pay a direct debit...who's paying...You? Or your friend?!

I really do hope you were being sarcastic!!

Why does it make everything more expensive - can you give me some figures?

This is not creating a 'sue-you- culture - it's merely standing up for our legal rights (which have long been forgotten and exploited in this country) - using the means that were put before us to allow us to do just that - the county courts.

Again, are you being serious?!

You fail to see how having 10 x more health and safety inspectors, loads more health and safety guidelines, loads more health and safety material, loads more rules and regulations makes things more expensive?

Do you also fail to realise that manufacturing get's more expensive when they have to do EVERYTHING to stop someone making a claim to benefit themselves?

Do you fail to see how people sueing the NHS is having an impact on the services? Or again, do you think the NHS has fairy money and not real money?

Good grief!!! :rotfl:

I suppose the government don't have real money either and that people claiming benefits and going to work are also just 'getting their taxes back'?

Graham_Devon

Prosaic wrote:

I agree...better than that, why don't they fetch it round to your house for you? After all there is a case of Ant Vs Dec where it was clearly proved that we have !!!!!! all to do with anything bad that happens to us

A few years ago Gary Jacobs ( RIP) used to do a great phone in on Talk radio ( now talksport) - when someone phoned in with a gripe he would shout 'SUE!' and the sound of a cash register would ring- reminds me a bit of the Claim back charges brigade

Well I almost sue'd Tesco's the other day when I couldnt be bothered going because the roads were too busy on the saturday afternoon, couldnt go in the evening as I wanted to go out.

The next day I made the unfortunate mistake of emptying the night befores curry and forgetting that I had no loo roll.

Damn was I mad at tesco's for not shipping some out to me. They should have known I was low on the stuff.

I panicked for about 10 seconds...which has led to my high blood pressure, which is what I'm planning on sueing Tesco's for, along with my GP for not being next to me when my blood pressure rose.

This country is pant's I tell yer. I should just sit here and freeload everything.

Get this though mate, when I actually did go to tesco's and asked them to pay for my diesel to get there they said no! :mad: You watch me take down tesco's now.

Prosaic

Graham_Devon wrote:

Well I almost sue'd Tesco's the other day when I couldnt be bothered going because the roads were too busy on the saturday afternoon, couldnt go in the evening as I wanted to go out.

The next day I made the unfortunate mistake of emptying the night befores curry and forgetting that I had no loo roll.

Damn was I mad at tesco's for not shipping some out to me. They should have known I was low on the stuff.

I panicked for about 10 seconds...which has led to my high blood pressure, which is what I'm planning on sueing Tesco's for, along with my GP for not being next to me when my blood pressure rose.

This country is pant's I tell yer. I should just sit here and freeload everything.

Get this though mate, when I actually did go to tesco's and asked them to pay for my diesel to get there they said no! :mad: You watch me take down tesco's now.

LMAO :rotfl: :rotfl:

The sad thing is that's not a million miles from some of the people claiming back their bank charges

I'll bet most here that are whining almost broke the bank managers pen grabbing it off him to sign the 'and heres where you agree to the £1000 OD' section of the T&Cs - when it comes to paying it back though, that's a different matter and the bank was 'irresponsible'

The Panorama programme did it too- 'why didnt the bank intervene? they could see he was spending too much' ?!

!!!!!!..they are a bank, not your Dad! Adults are supposed to make adult decisions

I have the same view about first time buyers who buy up to the hilt rather than start small , without contemplating that interest rates might go up, splash out 2 grand on their Smeg fridge etc then when they cant cope sit looking miserable and dopey on GMTV

'Why isn't Tony Blair sortin' it out? '

Puts me right off my boiled eggs

dchurch24

But it was the bank that ended up subsidising your lifestyle and then you refused to pay for the privilege - why didn't you claim the charges back from your employer ?

The lifestyle was caused by my employer not paying on time, and then the bank forcing me into a spiral of debt. Not my lifestyle but one that they engineered.

Well now, to go after my employer would have been a very silly move both legally and for the sake of stability. I would have been in the position of trying to prove that penalties for a breach of contract were actually legally enforcable - a fact I know to be untrue. A position that the banks, with all their money and legal teams, do not want to be in themselves. Plus, how much longer do you think I would have been working there had I started legal action against them? Not very long - leaving me with no income to pay even more bank charges. And for what? All I did was try to go to work to earn an honest days pay.


a) Cancelling all your direct debits and paying manually until the problem had been resolved - then re-starting the dd's once it had ?
b) If 'a' was too much trouble what about speaking to your bank and arranging an overdraft ?
A brilliant example of how you have completely abdicated responsibility like most I have seen.

Yes of course. Far better to not pay my mortgage or utility bills and continue to let the bank fleece me instead.

Oh the old tug on the heartstrings apporach !! As a high(ish) wage earner perhaps you should have managed your finances better - absolutely no excuse.

So the 'excuse' of my employer not paying the wages that I had earned on time to me, resulting in another third party levying unlawful penalties on me has no bearing on the fact. I should have seen it coming in advance. I haven't yet evolved to the point where my psychic abilities are at my beck-and-call.

No we're just ordinary people who learnt from our mistakes and moved on - now it seems we are having to pay for yours as well.

The mistakes were not mine - they were the banks for trying to extort more money from people who can least afford it in unlawful ways. They just got caught out.

Also in your above example, again, is it the banks fault that her emplyer messed up or benefits messed up? Why should the bank pay for someone elses mistake?

And why should I? The bank hasn't had to pay anything out in my case. All they did was NOT pay DDs and SOs, resulting in nearly £6k being taken from us.

Are you being sarcastic here or is this some kind of funny line? If you fail to see how the bank have paid for it then you are severly unfortunate and I have the utmost sympathy for you!

The bank pay your DD's, just like they said you would using THEIR money!! You think the banks money is just pretty figures?!

Let me make it clear. If you take a loan from a friend to pay a direct debit...who's paying...You? Or your friend?!

I really do hope you were being sarcastic!!

...and when they DON'T pay the DDs? The vast majority of my charges were caused by the bank NOT paying my DDs - how have I cost the bank anything?

Tootsie_Roll

dchurch24 wrote:

The lifestyle was caused by my employer not paying on time, and then the bank forcing me into a spiral of debt. Not my lifestyle but one that they engineered.

Well now, to go after my employer would have been a very silly move both legally and for the sake of stability. I would have been in the position of trying to prove that penalties for a breach of contract were actually legally enforcable - a fact I know to be untrue. A position that the banks, with all their money and legal teams, do not want to be in themselves. Plus, how much longer do you think I would have been working there had I started legal action against them? Not very long - leaving me with no income to pay even more bank charges. And for what? All I did was try to go to work to earn an honest days pay.


a) Cancelling all your direct debits and paying manually until the problem had been resolved - then re-starting the dd's once it had ?
b) If 'a' was too much trouble what about speaking to your bank and arranging an overdraft ?
A brilliant example of how you have completely abdicated responsibility like most I have seen.

Yes of course. Far better to not pay my mortgage or utility bills and continue to let the bank fleece me instead.



So the 'excuse' of my employer not paying the wages that I had earned on time to me, resulting in another third party levying unlawful penalties on me has no bearing on the fact. I should have seen it coming in advance. I haven't yet evolved to the point where my psychic abilities are at my beck-and-call.



The mistakes were not mine - they were the banks for trying to extort more money from people who can least afford it in unlawful ways. They just got caught out.



And why should I? The bank hasn't had to pay anything out in my case. All they did was NOT pay DDs and SOs, resulting in nearly £6k being taken from us.



...and when they DON'T pay the DDs? The vast majority of my charges were caused by the bank NOT paying my DDs - how have I cost the bank anything?

Crikey - there really is no hope for you.

Anyone care to take bets on how quickly he ends up in exactly the same position ?

£10 says less than 12 months.

Hereward

dchurch24 wrote:

The lifestyle was caused by my employer not paying on time, and then the bank forcing me into a spiral of debt. Not my lifestyle but one that they engineered.

Well now, to go after my employer would have been a very silly move both legally and for the sake of stability. I would have been in the position of trying to prove that penalties for a breach of contract were actually legally enforcable - a fact I know to be untrue. A position that the banks, with all their money and legal teams, do not want to be in themselves. Plus, how much longer do you think I would have been working there had I started legal action against them? Not very long - leaving me with no income to pay even more bank charges. And for what? All I did was try to go to work to earn an honest days pay?

As I mentioned on a different thread, you do not need to prove that the charges are justified, only that you have incurred them, if you claim them from your employer. Most employers will pay for incurred charges if they have made a mistake when paying you: those who will not, you would need to take to court. If you are sacked for suing your employer then you have an extremely good ace for unfair dismissal, which should enable you to either:1. Get your job back;2. Receive a large payout.

Graham_Devon

dchurch24 wrote:

The lifestyle was caused by my employer not paying on time, and then the bank forcing me into a spiral of debt. Not my lifestyle but one that they engineered.

Well now, to go after my employer would have been a very silly move both legally and for the sake of stability. I would have been in the position of trying to prove that penalties for a breach of contract were actually legally enforcable - a fact I know to be untrue. A position that the banks, with all their money and legal teams, do not want to be in themselves. Plus, how much longer do you think I would have been working there had I started legal action against them? Not very long - leaving me with no income to pay even more bank charges. And for what? All I did was try to go to work to earn an honest days pay.

Yay!! Excellent. To start with, your first sentence makes absolutely no sense whatsoever. The bank engineered your employer to not pay your wages on time. Yes. I can see where your coming from, evil banks!

And you have also included the bit about everyone is responsible BUT yourself. You wouldn't go after your employer, to risky to yourself, but your employer was actually the one who caused the mess.

But, instead, go after the bank, who didnt cause the mess.

I really am starting to feel sorry for you! Your a prime example of the 'me me me' culture. Everyone is wrong but myself. You said you earned a high wage, yet your lifestyle is not at fault, yet you still kept going overdrawn. I do NOT earn a high wage, yet I'm a first time buyer in my own house, paying my own bills, running a car, AND having a small social life ALL on my own. Hmmm. Maybe I should have more of a social life, book meself on me jols which I can't afford then blame everyone around me including the nice advert on TV making me want to go.

The mistakes were not mine - they were the banks for trying to extort more money from people who can least afford it in unlawful ways. They just got caught out.

But I thought it was your employers fault?

And why should I? The bank hasn't had to pay anything out in my case. All they did was NOT pay DDs and SOs, resulting in nearly £6k being taken from us.



...and when they DON'T pay the DDs? The vast majority of my charges were caused by the bank NOT paying my DDs - how have I cost the bank anything?

Oh, yer and I forgot, the banks don't pay anybody anymore, everything is done free for them, they send letters out for free, they intervein and stop transactions for free.

I think you need to go on an economics, business or life course. I'm not being nasty here, but it's really showing your blaming all business's for all your problems. But you have NOTHING to do with any of the problems that are yours.

Wake up, look at reality. YOU can stop this. YOU can do something about it. YOU are choosing to blame everyone else. Sure the wages thing aint your fault, but its most certainly not the bank.

You just go for the easiet target or the target which is going to have the least backlash on yourself. me me me.

dchurch24

Tootsie_Roll wrote:

Crikey - there really is no hope for you.

Anyone care to take bets on how quickly he ends up in exactly the same position ?

£10 says less than 12 months.

Well it's been well over 12 months since I successfully got my money back from ALL that took it. I am not in the same position as I was then. I now have an employer that pays me when they say they will.

I fail to see why there is no hope for me. I have caught out the banks and they don't like it.

If I cancelled my direct debits then my mortgage would not have been paid - thus the most important thing for my family - i.e. the roof over their head - would have been at risk. Also, to pay my mortgage in any other way results in my being penalised by way of £25 extra per month.

Yeah, and how many people call the Psychic Friends Hotline? What's your point?

My point was answering the post before it where it claimed that many more people had thanked the sarcastic post more than any of mine. Please attempt to keep up. It helps the rest of us.

Talking of psychic hotline - perhaps I should have phoned them to see if my employer was going to pay me on the day they said they would, and by direct transfer as they said they would, rather than the late cheques I was receiving instead?

Oh, yer and I forgot, the banks don't pay anybody anymore, everything is done free for them, they send letters out for free, they intervein and stop transactions for free.

...and I lend them my money for free too.

Do they intervene, or is it an automated process? Do letters cost £39 to send - if so, then I could save them a packet, just by recommending the postal service to them.

But I thought it was your employers fault?

Yes, but you claimed that you were paying for my mistakes. you are not paying for my employers mistakes - you are paying for the fact that the banks attempted to rip people off and got caught and are now looking at lawful ways to keep making that money.

Wake up, look at reality. YOU can stop this. YOU can do something about it. YOU are choosing to blame everyone else. Sure the wages thing aint your fault, but its most certainly not the bank.

Yes, you are quite right, I CAN do something about it. I couldn't have done anything about not being paid on time, or by which method, but I sure as hell can stop banks from doing it to anyone ever again...

...and I AM stopping it.


You concede that I could not have done anything about my wages going in - should I have moved money from my non-existent savings account (the MA syndrome again)?

I went to the bank and asked for a temp overdraft - they refused on the grounds that I had incurred to many charges over the last month - go figure that one out!

Prosaic

Classic 'victim' mentality

dchurch24

Yay!! Excellent. To start with, your first sentence makes absolutely no sense whatsoever. The bank engineered your employer to not pay your wages on time. Yes. I can see where your coming from, evil banks!

And you have also included the bit about everyone is responsible BUT yourself. You wouldn't go after your employer, to risky to yourself, but your employer was actually the one who caused the mess.

But, instead, go after the bank, who didnt cause the mess.

How does it not make sense. My lifestyle was such that I could easily have afforded shoes for my daughter - had my employer paid on time and by the means specified (direct transfer, not cheque). The bank then added charges to the account for not having funds to pay DDs etc... and then the following month the same happened again, but I was down the 400 quid or so that the bank had taken due to the charges.

Which bit don't you understand?

If my employer had simply not paid me on time, and the bank had not charged me unlawfully, then there would have been no mess. Just a few bills being paid a few days late. Why on earth would I take a case to court I could only lose? My employer, whilst not being very ethical was not exactly criminal mastermind of the year, while the bank was acting deliberatly unlawfully - it was the bank charges that caused the spiral. Not the late wages ultimately.

As I mentioned on a different thread, you do not need to prove that the charges are justified, only that you have incurred them, if you claim them from your employer. Most employers will pay for incurred charges if they have made a mistake when paying you: those who will not, you would need to take to court. If you are sacked for suing your employer then you have an extremely good ace for unfair dismissal, which should enable you to either:1. Get your job back;2. Receive a large payout.

I had worked there less than a year.