University POOR student paid 000's in Charges NEED MATURE HELP!

custardy

Poor wrote: »

Hello,

I have a very interesting story for 2010, it all started when I went to the bank for an student overdraft of £500 and I ended up paying after a whole year £900 in charges to Lloyds TSB, I family isn't rich and I was giving a full student loan which gave me about £439 a month and I can remember paying a charge of £190 a time for going over drawn. I also had a basic bank account with RBS and I went overdrawn in that account aswell -£30 for just going overdrawn and now my account is £320 overdrawn.
so you just spent everything with no thought of budgeting
I don't know how the government lets this happen to students I really want to kill the MP's, if I ever see one in the street he'll be getting my mouth to answer to lol.
let what happen?gave you money and free will to exercise restraint?
After reading about getting the charges back on this site I put a claim in. I wrote to the bank blah blah blah, they said it was hold and I wasn't getting it back. So I took to the financial ombudsman and it took months and months to get a decision back from them and all they said that since the bank offered me to reduce my overdraft by £10 a month they have done their job to help me with hardship. That wasn't the answer I wanted to hear, I wanted to hear that they will refund me all of the charges. I'm still paying it back to this day but i totally disagree of paying it but I don't have a choice.
you didnt disagree with the spending though?

Since I had a reply from the ombudsman I don't know what step i should take now because i really want the money back so i can go on a nice holiday and relex before my 2nd year of university starts. That's all :mad::mad::mad:
accept you !!!!!! your money away like the stereotypical student.now its time to pay the piper
Thank you very much for listening to my story, and I can't wait to hear the replies xx

think that covers the points

Poor

OMG! I don't care i'm going to get the form filled out and sent away. I have no money to give them in the first place so I don't care I'm going to give it a try. Wish me good luck lol lol lol lol :beer:

zppp

Poor wrote: »

OMG! I don't care i'm going to get the form filled out and sent away. I have no money to give them in the first place so I don't care I'm going to give it a try. Wish me good luck lol lol lol lol :beer:

I don't understand. You have come on here to ask for advice, but you have already decided to file you court paperwork? What was it you wanted us to answer?

Lokolo

I can see why people have a certain view about students....

I haven't got any money, I owe a load of money, but I'm going on holiday.

Dear me.

Lokolo

zppp wrote: »

I don't understand. You have come on here to ask for advice, but you have already decided to file you court paperwork? What was it you wanted us to answer?

No.

He came on here for mature advice.

*sigh*

We'll never win.

Poor

It's true i did spend the money on crap and i totally hate it, i just want it to go away. Why do we pay wages into a bank account? The bank uses our money to pay people mortages, loans etc and give us a stupid interest rate when they spend our money but when we use their money we get charged extremely, ITS TOTALLY WRONG! That's the point

zppp

Lokolo wrote: »

No.

He came on here for mature advice.

*sigh*

We'll never win.

Oh I know, some people are helpless.

zppp

Poor wrote: »

It's true i did spend the money on crap and i totally hate it, i just want it to go away.

National Debtline should be your first port of call. Not an appointment with Thomas Cook.

Poor wrote: »

Why do we pay wages into a bank account?

I do so I can use my card online etc. Why do you have money paid into an account?

Poor wrote: »

The bank uses our money to pay people mortages, loans etc and give us a stupid interest rate when they spend our money but when we use their money we get charged extremely, ITS TOTALLY WRONG! That's the point

But you don't get charged if you don't go overdrawn. I think you need to look at budgeting instead of blaming everyone else. You may feel it is wrong, but no-one is forcing you to have a bank account.

Poor

I done all that crap and i pay all the banks at 10 per month but now i just want the money back as it was mines in the first place.

dmg24

zppp wrote: »

Oh I know, some people are helpless.

... Or indeed, hopeless.

I am sensing a troll.