Bank charges - can't believe what they've charged me!!

mrs_skint

A lot of Mrs S's in my above post pmsl

mrs-stressed

dmg24 wrote: »

Manage your finances so that you don't go overdrawn?

Managing ones finances is easy peaszy on paper but then !!!! happens. You bump the car, or you get charged charges unnecessarily (and unfairly), you have to pay more for your gas and electricity, you have to pay more for home and car insurance and food goes up - I could go on with that list but you get my point!

So, although in an ideal world I would love to be able to manage, save and live all at the same time I cannot and nor can alot of people - Mrs Skint to name but one!!! Who do we go to for help - first stop the bank. What do they say - incidentally the last person I saw in a bank giving ME advice was a pimply, Beckam hair-do lad with that much gunk on his head I am surprised he didnt explode when near a flame - and couldnt make eye-contact. He had the nerve to tell me that I couldnt have an overdraft extension as I had a bad credit rating DUE to the bank charging me unfairly and I couldnt pay it all back as soon as requested by them. If murder was legal he would have been the first to go that day.

Then you go down other routes but if you happen to be moderatley intelligent you know that 39% interest is extortion. Then what do you do. You approach family. They cant help as they are in the same boat. Where do you go then? Where indeed.

So please peeps dont give me and anyone else smug and rather stupid suggestions. Believe you me we will have considered EVERYTHING. I am not having a go and being personal its just that we are at the end of our tethers and what you must remember is that we may be crap at managing our money but we are not bad people..

So, a little kindness goes a long way

Mrs s x

Fiddlestick

mrs-stressed wrote: »

Whilst chickens are not involved - bank staff are under orders to sell as much crap as possible that isnt necessarily in the customers interest

Ah my mistake - the sales staff use goats

mrs-stressed

mrs_skint wrote: »

Indeed Mrs S. Problem is there is no alternative to banks and yes, Mrs S - I will be one of the first to sign up should someone come up with something! Any ideas Mrs S x

I know that there are people out there who are total champions (Martin Lewis for one) for a large amount of people who are desperately struggling to just get through one day at a time, but I cannot think of how - in all fairness - one can set up a thing like this on a non-profit making basis. Business is all about making money/profit - otherise whats the point. What I object to is large organisations - banks in particular - who clearly thrive partly on the backs of the little person in the street. I am not talking about the big global financial world out there coz I know nothing about it - all I know is that I am being squeezed of living and it is all out of my control. I am sure debt55 will have something to say about that statement!

Basically, if one didnt need insurance (and god help you if you make a claim - ie PPI!), a car, a home, a coat on your back, bread in your stomach, hot water, warm house life would be peachy. I could get rid of the lot and go and live in a tent somewhere - and claim benefits!!!!!!! Ha ha

Mrs s x

mrs-stressed

Fiddlestick wrote: »

Ah my mistake - the sales staff use goats

Quite. I have been flagged up that my message there was too short - so I shall extend it to quite so!!!!!!!!!!

mrs_skint

Or sheep maybe? (I'll bet debt55 has something to say about that one as well Mrs S LOL)

Fact of the matter is - no-one's perfect, I'm sure most of us have gone overdrawn either by accident or necessity, and whilst I don't mind paying SOME fees, the fees that we are charged are extortionate. And yes, Mrs S, I am at the end of my tether. I have given up my car because I can no longer afford to keep it. I have also given up smoking (wait for the sarcastic comments!) in order to pay off bills and budget for food and clothes and I am sorely sorely !!!!ed off because the £49 I am being charged for going overdrawn by a couple of quid was going to go on shoes for my daughter who needs them! So don't anyone go lecturing me on budgeting better; fact is we don't bring home banker's salaries and get big bonuses at the end of the year and if anyone ever DOES come up with an idea to using a bank please get in touch.

Premier_2

mrs_skint wrote: »

Hi guys

Just had a look at my online statement and noticed that I am being charged £49.99 for going overdrawn by £2.36 on 11th October.

...So, instead of the monthly £12.95 they will be taking £62.95...

No, no, no.

Almost certainly a mistake there. They don't charge £49.99 unauthorised overdraft fees for any account I am aware of.
I think it's £20, but it might be different for your particular account.

Give them a call or pop into branch, I'm sure they will rectify it ... or explain what it's really for. If you don't understand the real cause, how can you hope to avoid doing the same in future?

Also the overdraft fees (whatever they really are) wont be applied until at least 14 days notice have been provided to you, and 21 days after the current billing period.

mrs_skint wrote: »

...So bloody peed off with this bank, this isn't the first time I've been charged silly fees for going slightly overdrawn. I suppose there's absolutely nothing I can do about it though!

As its the first time, and presuming the account has been operated in good standing previously, then they'll usually waive the fees if you drop the attitude and ask them nicely

mrs-stressed

Premier wrote: »

No, no, no.

Almost certainly a mistake there. They don't charge £49.99 unauthorised overdraft fees for any account I am aware of.
I think it's £20, but it might be different for your particular account.

Give them a call or pop into branch, I'm sure they will rectify it ... or explain what it's really for. If you don't understand the real cause, how can you hope to avoid doing the same in future?

Also the overdraft fees (whatever they really are) wont be applied until at least 14 days notice have been provided to you, and 21 days after the current billing period.



As its the first time, and presuming the account has been operated in good standing previously, then they'll usually waive the fees if you drop the attitude and ask them nicely

I agree with you Mr Premier - Mrs Skint should approach the bank (I know how hard that can be sometimes) and ask them why this charge has been levied against her. If though it has happened before they wont consider refunding the amo0unt to your account. Mine doesnt even though both times were actually totally valid and genuine - they wouldnt entertain it - 'had I not read the terms and conditions Mrs Stressed?' was the reply from the pimply lad with the beckham hair-do. 'No' I replied, 'well, it is all there in black and white. Thank you for your time'. End of conversation. I was charged £27.50 immediately both times and that put me well into the poo - well, even more so really!

But sometimes you can hit lucky (not the right word!) and Mrs Skint - I wish you well and please let us know what happens.

Mrs s x

mrs_skint

Will do - thanks guys for your input. Just gonna go off now and get a Posh hairdo

mrs-stressed

mrs_skint wrote: »

Or sheep maybe? (I'll bet debt55 has something to say about that one as well Mrs S LOL)

Fact of the matter is - no-one's perfect, I'm sure most of us have gone overdrawn either by accident or necessity, and whilst I don't mind paying SOME fees, the fees that we are charged are extortionate. And yes, Mrs S, I am at the end of my tether. I have given up my car because I can no longer afford to keep it. I have also given up smoking (wait for the sarcastic comments!) in order to pay off bills and budget for food and clothes and I am sorely sorely !!!!ed off because the £49 I am being charged for going overdrawn by a couple of quid was going to go on shoes for my daughter who needs them! So don't anyone go lecturing me on budgeting better; fact is we don't bring home banker's salaries and get big bonuses at the end of the year and if anyone ever DOES come up with an idea to using a bank please get in touch.

Mrs s - the banks know nor care whether we have to put shoes on our childrens feet or whether we have given up the fags and sold our cars to pay for our daily lives. They only care for themselves. What we mustnt do - and I notice that I do this alot too is get too emotional about everything. Yes, I bet you were sick to your stomach with those charges - I know that feeling well, but somehow we have to find a way (GOD KNOWS HOW) to cope with all these kicks in the guts. We either two finger gesture the lot of them or we stand up for ourselves. In standing up for ourselves it will make us feel better but maybe wont get very far. But just rolling over and letting the banks put their hobnailed boots in all the time will only serve to give us a collective nervous breakdown. I dont know the answer but keep that sense of humour going as I suspect it is seeing you through alot of the hard times isnt it?

Mrs s x