Free banking 'will be axed'

CopperPlate_2

Hmmm. If you could direct me to the post within which I have said previously that I was leaving the thread, I'll gladly accept what you're saying. The various threads that seem to have sprung up across this board that originally dealt with substantive issues, now seem to all sound the same - please excuse me if I was referring to both you and dchurch24 in that manner, but it does appear, from my view (I am still allowed to have a view am I?) that you are the most vocal in contributing towards that shift off-topic and onto ones you feel comfortable discussing. Specifically banks and their charges.

I have attempted numerous times to engage in sensible discussion - to try and put my point across, but it appears that we don't hold the same views and you are not prepared to allow me the luxury of retaining them without first trying to ensure I see "sense" and have some cathartic experience where the scales will fall from my eyes and I will be converted to your standpoint.

My issue is all about respect. Something that this site has been very good at. To retain the respect you have to treat others with it - I think, if someone could be particularly bothered to read back over the pages and pages of text, they might find the point at which that respect was lost on this thread.

I'm sure you're not going anywhere. I can see that there is more than enough mileage to be gained in repeating yourself countless times over. I, however, don't need to become embroiled in tit-for-tat over something as trivial as this.

And the reason I gave up was because the posts all sounded the same - re-hashed, re-formatted, with little of anything new to say except to bang on about how everyone else is wrong and can't see it.

Tim_L

Oh come now, Copperplate.

You did me the courtesy of quoting my entire post in response to yours, but apparently you did not read it, or else have forgotten the post that it was a response to. This was making assertions that there was some sort of "post communist" and "right on" agenda that required profits of organisations to be limited, and asserted that individuals with the moral or legal right to claim back their money should not do so since it would adversely affect others: I think you used the term "mass freebie".

To summarize my response, paragraph 1 explained how quasi-monopolies could be regulated to curb excess profits, but that I believed this was unlikely in this case as I don't believe general current account charges will happen; paragraphs 2 & 3 used the analogy of an insurance claim to demonstrate that is ludicrous to expect people not to claim money they are fully entitled to have back, and in that any case there were other activities (stoozing, rate tarting and so on) that also hurt banks' bottom lines. Paragraph 4 addresses the idea that my views were "right on". And paragraph 5 really addresses the same issue of respect which you seem to hold dear: how respectful is it for groups of people (there are probably 5 times as many posts from those who don't agree with me as I put up) to make generalisations about other groups on the basis they incur charges?

In reply to what was I think a careful and considered response, you post saying you don't read the thread, and indulge in a series of ad hominem attacks.

If you can't take people responding to your remarks and making counter arguments, then no-one is forcing you to post here. But please, if you do want to engage in a sensible discussion, respond to the points you have quoted above in response to your own rather than simply complaining this is a Dchurch and Tim_L show. Which if you count the posts for and against you will find it is self evidently not.

Tootsie_Roll

Tim L

Clearly you're not reading the posts either as your comments in post #113 are incorrect.

I agree completely with Copperplate - You and others are stuck on the 'bank charges are unlawful' point without even considering the wider piucture and seem completely unable to grasp some very fundamental points, largely because you misunderstand, have believed your own propoganda and are intent on blaming others for any misfotune you find yourself in through your own making (assuming youhave reclaimed charges back too).

Come up with something new and relevant or stop, we're just not interested in your inane ramblings any more.

dchurch24

inane ramblings?

The points have been made very well - and sadly, the only people in this thread who are believing the propaganda are the 'pro-charges' people.

Banks won't be charging a monthly fee for bank accounts, and I'm sure if you just thought about it a little, or even read the threads that I have posted where I HAVE thought about it a little, you may well see the reasons for why they will not be able to charge.

This is 'on-topic', if you care to read the thread title.

Hardly an inane rambling - unlike the 'it's your fault you got charges in the first place etc...' post.

Graham_Devon

dchurch24 wrote:

inane ramblings?

The points have been made very well - and sadly, the only people in this thread who are believing the propaganda are the 'pro-charges' people.

Banks won't be charging a monthly fee for bank accounts, and I'm sure if you just thought about it a little, or even read the threads that I have posted where I HAVE thought about it a little, you may well see the reasons for why they will not be able to charge.

This is 'on-topic', if you care to read the thread title.

Hardly an inane rambling - unlike the 'it's your fault you got charges in the first place etc...' post.

Have you found a loophole then!? :rotfl:

Care to give us a couple of good reasons then why they won't be able to charge? I will then come back and disect those only for you to tell me I am wrong, but still, would like to have a little giggle.

polajoo

Bank charges are unlawful. Fact.
Banks have unlawfully claimed our money. Fact.
UK citizens are now claiming back their money from banks. Fact.
Banks have realised that their revenue stream from charges is drying up and is altering their business model. Fact.

Is this such a bad thing? Personally I don't want my banking mistakes to subsidise somebody else's banking. I'm all for paying a regular monthly fee for someone to administer my account, rather than the banks introducing extra products which I take, cannot manage and then get charged for making mistakes on which pays for my administration and about 10 other people's too.

FAO dchurch24, Tim_L and CopperPlate, I may be new to this forum but I'm not new to forums in general. One of the things I've learnt is when you are angry or irritated about what somebody has said about you (or accused you of something) it's much better to just close the browser, go get a coffee, and "let them get on with it", even if you're in the right and they're in the wrong. If that's the case, most people will agree with you anyway and will be subconsciously supporting you.

Don't take life too seriously. You'll never get out of it alive.

Mark7799

polajoo wrote:

Personally I don't want my banking mistakes to subsidise somebody else's banking.

Nor me - that's why I do my damndest to make sure I don't make any:D How about we all spend time teaching everyone else how to make sure they don't make any either;)

dixie_dean_2

I'm rather disappointed not to be included as part of the roadshow. I think the points made by DC and Tim are as well put as any on here. I don't think it's worth bothering anymore as there is what might be politley called something of an impasse. I tell you what though Tim, if Copperpot tin man ever comes over to the gambling forum, we'll bloody well have him!

Graham_Devon

Mark7799 wrote:

Nor me - that's why I do my damndest to make sure I don't make any:D How about we all spend time teaching everyone else how to make sure they don't make any either;)

Because people are not open to listening. They will just turn round and say 'why should I'. When you tell them that this is what is making the UK a worst place to live in and that it leads to the 'sue me' culture they turn around and say 'it's not the same'. When you try and teach them about having an emergency fund, or looking out for themselves, they revert back to 'well the bank keeps taking my money'. So when you say, well get an overdraught its 'why should I'.

Viscious never ending circle. And the more you try, the more you go off on a tangent about other stuff and things relating to it.

Why people lack an understanding of personal welfare and looking after yourself if beyond me. It took 2 overcharge payments for me to sort myself out. I did and I'm thankful to be honest to the bank for taking them and waking me up to my overspending and lack of financial planning.

Tim_L

I'm not angry, thanks.

Tootsie, would you like to tell me what in my post #113 I have got incorrect? You make some very general statements about me being wrong but you're a bit light on specifics.

As a matter of fact I haven't reclaimed bank charges, though I have had one late payment charge on a credit card cancelled a couple of years ago - this just required a phone call, and was due to a cockup by my bank. I have a very large contingency fund (curiously though I don't keep it in my current account, and despite the fact that I can and do send tens of thousands of pounds around the world instantly, apparently my banks need 4 days so if something very unexpected happened I might well be charged).

I do however have 7 current accounts and will probably open more this year, so these proposals would cost me a fair bit of money if they were to go through. But as a principle, I don't think it is so bad that if costs are incurred running a current account it should be the owner of the current account that pays them.