Current Account Charges - Why I have no sympathy

Prosaic

He's started a campaign so he can avoid his own shortcomings

If your employer messed up, why didn't you take it up with them? Scared ?

Tootsie_Roll

dchurch24 wrote:

I have (and am) always been in control of my finances. When someone suddenly dips in over a period of 2 months and takes the best part of 1400 quid - I defy anyone to be able to withstand that.

Absolutely no hope !!! How can you possibly claim to be in control of your finances when you incur charges at this level - I have already pointed out how you could have avoided them and you still persist in blaming your bank - unbelievable.

dchurch24 wrote:

...and, yes. I am proud that I have started this campaign, and I am proud that whilst some people may have to find a few extra quid each month to pay for DDs (or choose to pay with a paying in book, as I do these days),

Which is exactly how I told you to avoid the charges and you disagreed as you may have to pay extra !!!

melancholly

it's all getting a bit too personal on this thread isn't it?
i'm very lucky to have never had bank charges - except when they made a mistake and i rang up and shouted until they gave me some compensation to shut me up!

if everyone was financially savvy and had a savings buffer then this site wouldn't exist. i really feel for people whose situation changes and it gets compounded by bank charges. unfortunately, separating them from people who are just irresponsible and don't look after their money is very difficult.

while banks make such vast profits, and the level of the charges has been suggested to be too high (careful choice of words!), then claiming back seems fair enough - and (critically!) martin :money: says it's ok so then it must be!

dchurch24

Prosaic wrote:

He's started a campaign so he can avoid his own shortcomings

If your employer messed up, why didn't you take it up with them? Scared ?

I have already answered this question, but if you didn't understand, then that would explain the majority of your posts.

There.would.be.no.point.in.starting.legal.action.that.I.could.only.lose.

Prosaic

dchurch24 wrote:

I have already answered this question, but if you didn't understand, then that would explain the majority of your posts.

There.would.be.no.point.in.starting.legal.action.that.I.could.only.lose.

I don't mean legal action, I mean as in speaking to your employer, telling them the difficulty you'd faced. Most places I've worked people realise you're not there for the love of it

Prosaic

melancholly wrote:

martin :money: says it's ok so then it must be!

I don't wish to be rude, and this site is fantastic..but I'd be careful of basing any decision on what one person says

For example, last week I got an email telling me it was time to switch gas supplier. The next day I got another one saying ' don't switch yet'!

:rotfl:

melancholly

Prosaic wrote:

I don't wish to be rude, and this site is fantastic..but I'd be careful of basing any decision on what one person says

For example, last week I got an email telling me it was time to switch gas supplier. The next day I got another one saying ' don't switch yet'!

:rotfl:

i was just trying to be flippant and change the tone of the thread from being so aggressive......! n'er mind!

Prosaic

We're not being aggressive, this is a healthy mass-debate :think:

we all love each other.....

Deep down

:kisses:

Graham_Devon

I have (and am) always been in control of my finances. When someone suddenly dips in over a period of 2 months and takes the best part of 1400 quid - I defy anyone to be able to withstand that.

I do believe your living in cloud cuckoo land if you believe that after saying you were charged so much in bank charges and could'nt cope.

You STILL haven't acknowledged the fact that an overdraft is a cushion, granted by the bank and NOT a right and most certainly not a right to go over your pre-defined overdraft limit and then moan and whinge about it.

As for taking £1400. That's my overdraft allowance, well actually £1500 is my overdraft allowance, so your defying doesnt add up. I could take that kind of hit, using the overdraft cushion, which is why the overdraft is there in the first place.

Like I say, I'm not on high wages, am paying for my own house instead of throwing away money renting, paying everything associated with the house, paying for the car etc and I get by each month. Only difference is, I wasn't getting by, so figured out ways in which I could earn more money off my own back.

Your basically teaching people and preaching that it's ok to live off an overdraft, and ok to go over the overdraft allowance. Ok to shaft other people. Ok to shaft organisations. All for something you have allowed to happen.

Like I say, I have been there, but only for 2 months, and found ways to get out. Yes, it meant putting myself out. I paid the fee's and got on with it.

I just do not get your mindset. I cannot get it. Your obviously one that can't see the harm in sueing a shop because you fell over your shoelace etc.

Also, these bank charges which you keep harping on about being illegal. They are NOT illegal. Theres just a loophole in the system which your telling everyone to cream.

You believe a lot of weird and wonderful things, so I'm not surprised that you also don't believe that all these charges and claiming them back has got NOTHING to do with the sudden annoucements of charging monthly. Pure conincedence? Just like the fairy money that banks have?

Graham_Devon

Prosaic wrote:

We're not being aggressive, this is a healthy mass-debate :think:

we all love each other.....

Deep down

:kisses:

Steady on dude :rotfl: There was no need for the deep comment!

But yes, this is just a debate. It's only got personal because the poster in question keeps going on about how proud they are and contradicting themselves every 2 secs!