Hundred pound charge for going ten pounds over?

[Deleted User]

Indeed, with the exception of a £ or two of overdraft interest, I've never paid a bank charge - and I never intend to.

Back to the initial point, if the OP was asking "what's the best way to soften the blow of this fee", I think the answers would have been a lot different to how they have asked "how can I get away with not paying it".

fozmcfc

billbennett wrote: »

Anyway, from previous posts, it seems the OP doesn't exactly have the best judgement:

*On booking flights and being reluctant to pay fees: "I rung them up and she told me down the phone it would be £35 to pay to change altogether, but is there anyway I can get out of the admin fee??"
*On poor budgeting: "Hi all, Am needing some extra money quickly, Am already working all the hours possible and have already sold everything in my house worth selling"
*Can afford to buy a holiday though: "I'm looking for a return flight to Madrid on 2nd September from London Gatwick and coming back on 6th September"

ABSOLUTE CLASSIC :rotfl:

Rothschild

Piggy-pack wrote: »

Hi,

I went overdrawn in my second account by ten pounds two months ago (The account I hardly ever use) and totally forgot about it

I got a letter from my bank yesterday telling me they want a hundred pounds within 14 days

I've got absolutely no intention of paying it and am thinking of ignoring it, there's no way I can afford it for starters, things are very very tight at the moment

Is there any way I can just shut the account? There's no way i'm paying this so that the bankers can get their bonuses and champagne

Thanks

Just ignore them!


Why the fcuk would you waste your money paying them £100 cash just because they fancy making an extra £100 profit that day,
and so decided to send you a letter ordering you to give that amount to them??! :eek::T


What about next week when they send you the letter ordering you to give them £300 cash or threatening to put a bad mark on your credit report,
will you give them that £300?


Or how about if tomorrow you get a letter saying that they had misprinted the previous letter,
and the actual amount that they are charging you is £1,000!!

(And legally there is absolutely nothing to stop them demanding £1,000 cash from you if they want to!)



What i would suggest is that you either just ignore them totally,
as in reality there is nothing they can/will actually do to force you to give them any cash.

As they would never even consider passing that amount over to baliffs, as no baliff company would even take on such a small amount as it simply wouldn't make them any money even if they ever managed to get the money which is extremely rare as they have no powers whatsoever to enter your home or even tresspass on your property unless you give them clear permission to,
which you have no legal obligation whatsoever to do if you dont want to. :beer:


Or if you fancy having some fun write back to them with your own list of every single thing that they have done that has caused you hassle or annoyance in your banking over the past few years,
and demand that they pay you fees for each of those,
or if they don't you will send baliffs into that branch of the bank to take the money from them!

(Baliffs have done that to a bank before)

onlypaddy

Rothschild wrote: »

Just ignore them!


Why the fcuk would you waste your money paying them £100 cash just because they fancy making an extra £100 profit that day,
and so decided to send you a letter ordering you to give that amount to them??! :eek::T


What about next week when they send you the letter ordering you to give them £300 cash or threatening to put a bad mark on your credit report,
will you give them that £300?


Or how about if tomorrow you get a letter saying that they had misprinted the previous letter,
and the actual amount that they are charging you is £1,000!!

(And legally there is absolutely nothing to stop them demanding £1,000 cash from you if they want to!)



What i would suggest is that you either just ignore them totally,
as in reality there is nothing they can/will actually do to force you to give them any cash.

As they would never even consider passing that amount over to baliffs, as no baliff company would even take on such a small amount as it simply wouldn't make them any money even if they ever managed to get the money which is extremely rare as they have no powers whatsoever to enter your home or even tresspass on your property unless you give them clear permission to,
which you have no legal obligation whatsoever to do if you dont want to. :beer:


Or if you fancy having some fun write back to them with your own list of every single thing that they have done that has caused you hassle or annoyance in your banking over the past few years,
and demand that they pay you fees for each of those,
or if they don't you will send baliffs into that branch of the bank to take the money from them!

(Baliffs have done that to a bank before)

That is simply awful advice.

As intimated by every other sane person on the forum, ignoring it will cause the debt to build and the bank to tear the OP's credit file to shreds.

It may be £100 now, but as time goes on it will quickly build, until it is substantial enough to be sold on to debt collectors. As mentioned, it will almost certainly have defaulted by this point, and if the debt is big enough the bullies at the DCA will start getting nasty. This could include sending Bailiffs and taking OP to court and obtaining a CCJ.

any product which is credit checked, from a mortgage to a credit card to insurance products will become inaccessible or at the least, very expensive to obtain.

Not to mention the emotional effect all of this will have as it develops. DO NOT IGNORE THIS!

OP, best bet is to call the bank and beg for forgivness, as said by some other posters. Try and reach a compromise, see if they will waive the charges, or at least some.

ilesmark

Wutang - no, I don't think the OP should sue to wipe out the legitimately-incurred debt of £10. Of course you should pay back what you have spent.

But equally I don't think many people outside a mental institution (or the boardroom of a bank) would agree that £100 of charges for going £10 overdrawn is in any way fair or reasonable. It's like getting a parking ticket when you've stopped for 10 seconds to post a letter. To me it follows, therefore, that it is a pity that at least at the moment there is no way of suing the bank to get these charges wiped off.

So yes, in that sense I have 'issues'.

On the face of it, no it doesn't look responsible to be talking about going on holiday when you've got bank charges to pay off. And yes, if it is ignored then it will probably snowball as people have pointed out. But if I was on limited funds, and a holiday was one of my few treats, goddamn right I'd be looking for any way I could to use the limited funds on myself rather than the shareholders of some bank.

RayWolfe

ilesmark wrote: »

It's like getting a parking ticket when you've stopped for 10 seconds to post a letter.

No, it's like getting a parking ticket and ignoring it. The amount will grow if nothing is done. This is exactly what has happened here; a small overdraft and a small fee ... then it was ignored.

pmduk

The money you'd planned n spending in Spain would be best spent on your bank fees, after all, you've already seen that they will continue to mount