How will reclaiming bank charges impact banking discussion

Whitedove

ianianian wrote: »

This is clearly an argument as opposed to a debate and I doubt any opinions will be swayed.<O></O>Those that have received cash back will always state they were right to do so, while the rest of us will disagree.
I would say that comments stating 'i'll buy you a clue' and get in a 'straightjacket' are a bit over the top! It doesn't help when the direct debits your complaining about don’t set themselves up!<O>

Thank you Ianianian,
I was beginning to think that I was the only one who doesn't spend what I don't have. The banks do seem to make the problem worse, to their great advantage but as you say the problem was self inflicted in the first place.
I also thought that this was supposed to be a debate but I suppose it is easy to feel agrieved about your own lack of financial awareness and take it out on anyone who tries to make you admit it.</O>

Knackered

Whitedove wrote: »

I now see your problem, Knackered. You seem to think that it is OK to have your car serviced and pay the garage from an empty bank account. You could have written them a cheque, without money in your account that would have been just as bad and irresposible.
It is not possible to keep on spending once you have passed your overdraught limit and expect the bank to pay your bill.
I do agree that the amount they charge you does seem to be over the top but if you only spent the money that you have then you cannot go overdrawn.
Thinking that other people are stupid for only spending what they earn is not going to help you get out of financial difficulties. I can see that the bank compound this by making you even more in debt but the solution has to be to STOP SPENDING money you do not have.

If you could do me the courtesy of actually reading what I said...

amancalledchip

Knackered wrote: »

If you're going to accuse someone of being a thief you could at least get your facts straight. You cannot spend money you do not have, cash points and card payments don't work if you haven't got the funds in. The only thing that can push you over your O/D limit is bank charges, the old double-whammy.

A couple of months ago a direct debit of mine was due to go out. After getting my car fixed I didn't have enough money left in my account to pay it, it should have been £35. The bank refused to pay the DD and instantly charged me £38 for doing so, which took me beyond my OD limit for which they charged me another £28. You think that makes sense, do you? Do you? Do you think that makes sense? That there wasn't enough funds to pay £35 but they charged me £38 to NOT pay it, then hit me again for £28 to pay for going over my OD when I had no control over it? Oh and I still had to pay the £35 direct debit. So that's £66 I had to pay for being £3 short of paying a bill.

If you think that makes sense I suggest someone buys you a new straitjacket for Xmas.

so you went over your agreed overdraft.Perhaps Martin could do a money make over for you , see how he can get you to live on the money that comes into your account.

Knackered

I'll say it to you, too then: "If you could do me the courtesy of actually reading what I said..."

Whitedove

Knackered wrote: »

A couple of months ago a direct debit of mine was due to go out. After getting my car fixed I didn't have enough money left in my account to pay it, it should have been £35. The bank refused to pay the DD and instantly charged me £38 for doing so, which took me beyond my OD limit for which they charged me another £28. You think that makes sense, do you? Do you? Do you think that makes sense? That there wasn't enough funds to pay £35 but they charged me £38 to NOT pay it, then hit me again for £28 to pay for going over my OD when I had no control over it? Oh and I still had to pay the £35 direct debit. So that's £66 I had to pay for being £3 short of paying a bill.

If you think that makes sense I suggest someone buys you a new straitjacket for Xmas.

Hello again Knackered,
I have read your letter, carefully, once again. I have highlighted what appears to be the main point. I cannot see anything other than this that has any bearing on the outcome. The charges were imposed, excessively perhaps, after your bank account was empty. It is no good whatsoever abusing people who are trying to help you. It doesn't matter how much you want to spend -- you can only spend what you have. Once you go beyond this you will eventually have to account for it.
I am sorry if this causes you to be upset but everyone, from the very poor to the very rich can only buy what they can afford. Millions of us manage to live within our means.

amancalledchip

read it, re read it , and re re read it.

" then hit me again for £28 to pay for going over my OD"

Knackered

So you know why my account went over the O/D limit then? Because of the CHARGE they hit me with.

And you still think that's sensible and fair. There's no getting through to some people. The law is not on your side here. You are wrong.

Knackered

Whitedove wrote: »

Hello again Knackered,
I have read your letter, carefully, once again. I have highlighted what appears to be the main point. I cannot see anything other than this that has any bearing on the outcome. The charges were imposed, excessively perhaps, after your bank account was empty. It is no good whatsoever abusing people who are trying to help you. It doesn't matter how much you want to spend -- you can only spend what you have. Once you go beyond this you will eventually have to account for it.
I am sorry if this causes you to be upset but everyone, from the very poor to the very rich can only buy what they can afford. Millions of us manage to live within our means.

You're not trying to help anyone, you're sneering at people who have been - according to the OFT and the small claims courts - unfairly overcharged for circumstances occasionally beyond their control.

Whitedove

I have read it -- I have even included the relevent portion of text into my reply. I have agreed with you that the bank charges are excessive. You must have known what would happen if you spent money (by DD) from your account without sufficient funds. Only you can know how much you have when you wish to spend more. The bank only knows what you have spent after you have spent it.

amancalledchip

which they wouldnt have charged you with if £35 had been in there.