Current Account Charges - Why I have no sympathy

CopperPlate_2

Oh dear. I've given up on this thread too. Hysterical, repetitive ranting and one sided obfuscation. dchurch24, your manner is simply to attack and denigrate everything that is said simply because it doesn't conform to your own belief - "I am right, you are wrong" is not particulary effective when dealing with human individuals. Dealing with big nasty faceless banks who deal in the cold letter of the law might allow that kind of tactics to work, but all you are doing here is insulting people simply for having a different opinion. And who is to say that you are right and everyone else is wrong in their opinion? I really think you should get out more. But, enough said, this is one thread subscription that I'll be deleting, because if I wanted the opinion of the egotists rammed down my throat about bank charges, I'd have gone to some of those other delightful sites where I could bang on about it all day long and just waste my life.

dchurch24

Nicely said!

Fantastic, really.

Prosaic

Can't we all just get along? :grouphug:

I've been at work all day and this thread has grown since this morning!

You lot must be in offices all day with the internet on. Lazy !!!!!!s, no wonder you can only afford a blanket & some crunchy nut cornflakes

Keith

Just on the News...

The banks make £75 per person...

Paul_Herring

dchurch24 wrote:

me wrote:

(as pointed out earlier in the thread, you don't need to prove this, merely that they were made.)

And if the employer had refused to pay the charges, what then?

Sue of course. After all, that's what you're doing to the banks after your employer has caused 'the banks to screw you' after all!

Or are the banks more of a 'soft litigation target' and less likely to affect you personally should you actually win?

Graham_Devon

What it basically comes down to is the people who have had these charges applied on them have got all uptight about it (maybe rightly so, I never said I though the charges weren't a bit expensive).

So, we go through the various ways in which these charges could have been avoided and how other people, like myself have avoided them. However, instead of taking that on board, all you get thrown back at you is 'it's not my fault' . Well sadly, if you haven't planned for eventualities like this and don't have a couple of quid somewhere for times like this, or haven't planned an overdraft, again, for times like this, then sorry, but your leaving yourself open to these occasions.

In my opinion it it ridiculous that you can have no plans, no emergency funds, not have the foresight to ask for an overdraft, not have any money in your account and then because your EMPLOYER has screwed up, you start blaming the bankfor all and sundry.

If you can't look after yourself, then expect the charges to apply. It's quite clear that a few people here think that the bank has nothing to do with them, should not charge them, are at fault for things out of the banks control, should not having anything to do with the transactions for leccy bills etc, but at the same time, can't even see themselves that thay have TOLD the very same bank they think don't have anything to do with it, to pay their bills.

Absolutely mental and I honestly didnt think people could be so foolish and ready to jump on their bandwagon and blame everyone from their employer, to their residential services to their bank and feel they are right to do so.

This isn't moneysaving, this is moneygrabbing.

If you had sorted yourself in the first place (which some think they have no reason to but keep getting charged and it's not fair) then theres no hope for you, but thanks for dragging the rest of the UK down with you so we all pay a bit more.

Disclaimer: I do not expect anything constructive from those who have reclaimed their charges. I'm not therefore asking for anything constructive. I do realise that I might get a sob story about cornflakes and shaking, and the person in question having nothing to do with the situation they are in, however, it obviously is, everyone elses fault.

dchurch24

Paul_Herring wrote:

Sue of course. After all, that's what you're doing to the banks after your employer has caused 'the banks to screw you' after all!

Or are the banks more of a 'soft litigation target' and less likely to affect you personally should you actually win?

Ok, as you are either, not reading posts, or not very quick on the uptake, I will explain it YET AGAIN.

If I sued my employer, the onus of proof is on me. Got that?

I could then be in a position where my employer, quite rightly, claim that penalty charges are unenforcable due to their unlawfulness. A court could not order them to pay an unlawful charge, directly or in this case, indirectly.

I would have to prove that it really did cost the bank £35 each time they didn't pay a direct debit due to lack of funds.

I couldn't do that, simply because it doesn't, and I don't have access to information to the contrary.

Therefore, I would have been throwing more money away suing someone I didn't have a hope of winning against.

The employer did not impose unlwaful charges - the bank did. Therefore I had to go after the person who had broken the law.

Simple really. Please attempt to keep up.

dchurch24

In my opinion it it ridiculous that you can have no plans, no emergency funds, not have the foresight to ask for an overdraft, not have any money in your account and then because your EMPLOYER has screwed up, you start blaming the bankfor all and sundry.

So the poor should be punished some more. Wow. If I weren't sitting at a 20th century invention, I would have believed we were in the 16th century.

If you can't look after yourself, then expect the charges to apply. It's quite clear that a few people here think that the bank has nothing to do with them, should not charge them

Thankfully, so does the law.

This isn't moneysaving, this is moneygrabbing.

You're not wrong. Thankfully it looks like the banks moneygrabbing is going to have to come to an end.

Paul_Herring

dchurch24 wrote:

Ok, as you are either, not reading posts, or not very quick on the uptake, I will explain it YET AGAIN.

If I sued my employer, the onus of proof is on me. Got that?

To prove what? That you were charged by the bank, or that 3rd party charges are/aren't enforceable for whatever reason? If the former, I fail to see the difficulty, if the latter I'd like to see a citation please.

I could then be in a position where my employer, quite rightly, claim that penalty charges are unenforcable due to their unlawfulness.

On what basis? I'd really like a citation. A case setting precident will do.

Graham_Devon

dchurch24 wrote:

Ok, as you are either, not reading posts, or not very quick on the uptake, I will explain it YET AGAIN.

If I sued my employer, the onus of proof is on me. Got that?

I could then be in a position where my employer, quite rightly, claim that penalty charges are unenforcable due to their unlawfulness. A court could not order them to pay an unlawful charge, directly or in this case, indirectly.

I would have to prove that it really did cost the bank £35 each time they didn't pay a direct debit due to lack of funds.

I couldn't do that, simply because it doesn't, and I don't have access to information to the contrary.

Therefore, I would have been throwing more money away suing someone I didn't have a hope of winning against.

The employer did not impose unlwaful charges - the bank did. Therefore I had to go after the person who had broken the law.

Simple really. Please attempt to keep up.

HAAAA! What a load of complete and utter drivel!!

Where are you getting the idea from that you would have to proove that it cost your bank say £30!? All you have to do is prove it cost you that!

:rotfl: :rotfl: :rotfl: :rotfl:

Right, that is it. You have made my mind up. Ifm going to go park on double yellows every where I go now, it's easier for me, and not my fault theres double yellows there.

When they show me my fine, I'm going to make them PROVE that it cost them that much for me to be there.

:rotfl: :rotfl:

Your beyond it mate, you've gone past help, you actually do believe all your thoughts on the process! :eek: