obtaining credit - insanity

The_White_Horse

robin_banks wrote: »

Why should I as a consumer of banking services subsidise your reckless behaviour ?.

You exceeded an agreed level of borrowing you pay for it.

are you mentally deficient? - i do not give a flying f**k about their ability to charge fees - my problem is with the 15 minute interview to get a £100 overdraft. It should be a 1 second yes or no answer.

ILW

The_White_Horse wrote: »

another person who fails to the see that one is entitled to complain about something.

the bank can do what it likes. if i like it, i will stay with them, if i don't, i will leave them (when it suits me). but, in the meantime, i am perfectly entitled to voice my opinion that a 15 minute interview for a lousy 100 quid is OTT and not acceptable. I will leave this bank. BUT I AM STILL ENTITLED TO COMPLAIN ABOUT THE PRACTICE.

You are also entitled to complain about the weather if you want. It's !!!!ing down here so should I start a new thread?

Thrugelmir

The_White_Horse wrote: »

.

Therefore, i didn't like their attitude and told them not to bother -

Over the years I haven't often done likewise when a customer just isn't worth the hassle of dealing with. In the main because they are either rude to a staff member or border on arrogance in there attitude.

robin_banks

The_White_Horse wrote: »

are you mentally deficient? - i do not give a flying f**k about their ability to charge fees - my problem is with the 15 minute interview to get a £100 overdraft. It should be a 1 second yes or no answer.

You should give a daffy duck about their ability to charge fees so as to avoid incurring them.

Out,_Vile_Jelly

The_White_Horse wrote: »

for a man of my means

A man of means doesn't get into tangles with direct debits and overdraft charges- that kind of financial illiteracy is for the DFW board.

Someone who incurrs such fees presumably triggers the sort of sales pitch interview you encountered- so they can flog you a consolidation loan or credit card in order to make more money out of you. I think it's called capitalism.

nicko33

The_White_Horse wrote: »

my problem is with the 15 minute interview to get a £100 overdraft. It should be a 1 second yes or no answer.

and how many minutes have you wasted by moaning and whinging about it instead of just doing it?

Dan:_4

get your finances in order mate, then maybe they won't need to interview you!

The_White_Horse

i knew there were a lot of morons on this site - but i didn't realise how many were on this board.

can you not see, that if a bank, is willing to conduct an interview of 15mins length (if not more) for a lousy £100 when that customer has a significant amount in savings accounts with that same bank (as well as other banks) then the world has gone mad - credit is still severely restricted and house prices will fall. that is the relevance to this site.

robin_banks

The_White_Horse wrote: »

i knew there were a lot of morons on this site - but i didn't realise how many were on this board.

can you not see, that if a bank, is willing to conduct an interview of 15mins length (if not more) for a lousy £100 when that customer has a significant amount in savings accounts with that same bank (as well as other banks) then the world has gone mad - credit is still severely restricted and house prices will fall. that is the relevance to this site.

How does your bank know that you don't have a shedload of debt with other banks/card issuers ?.

Dan:_4

The_White_Horse wrote: »

i knew there were a lot of morons on this site - but i didn't realise how many were on this board.

can you not see, that if a bank, is willing to conduct an interview of 15mins length (if not more) for a lousy £100 when that customer has a significant amount in savings accounts with that same bank (as well as other banks) then the world has gone mad - credit is still severely restricted and house prices will fall. that is the relevance to this site.

Why are you going over your overdraft limit if you have 'significant amount in savings'?

I think your making all this up.