obtaining credit - insanity

robin_banks

Dan: wrote: »

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

I think your making all this up.

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There's a thread in DT re; 'Online - Munchausens'.......

mcc100

Exactly the same happened to me 4 - 5 years ago.

I enquired about a £100 overdraft (to provide myself with a buffer zone) over the counter but was told that I would need to make an appointment.

As it was to my benefit I made an appointment and was in and out within 5 minutes. They asked me if I needed financial advice, I said no thanks only a £100 overdraft and was told it would be put in place.

That was it. I never even thought about it being a hassle and just accepted that it was a standard procedure.

FTBFun

So you went into debt then?

You should visit the DFW board:

<<<<<<<<<hugs>>>>>>>>

Thrugelmir

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.

So why do you bother posting?

ninky_2

very poor post by the OP. they don't owe it to you to give you an extra 100 quid buffer zone. i don't see why you don't just leave an extra 100 quid in there as you say you can afford it - it's neither here nor there. personally i don't see there is much issue with getting overdrafts. i have 2 accounts with the same bank and a facility of 3400 overdraft on each account - not that i'm mad enough to use them.

rather stupid to go 37p over when that incurs a 25 quid fee - not least if you had available funds elsewhere. sounds like the sort of thing someone not in control of their finances might do.

Wheezy_2

Horsey sounds like some lowlife vile lefty scum, complaining about private sector practices.

The_White_Horse

because clearly i prefer my own money to be in my savings accounts and/or ISA earning far more interest than it gets in the current account. therefore, i would rather use their money for this pupose (as the first 300 is free) than my own.

yes, i am clearly in massive debt and need (((((((((((((((hugs)))))))))))))))) please tell me it wasn't my fault etc etc etc.

clearly it was my fault - i have never said it wasn't. i just said i wasn't happy at being charged so much for such a small amount over. as it happens the bank seems to agree as they have just cancelled the charges.

anyone who is "happy" at paying a fee that is 80x the amount overdrawn must be a fool. even if they have agreed to it.

the point i was making is the difficulty to get credit.

The_White_Horse

having reread my original post, it is absolutely clear that my beef was with the concept of an interview for £100 credit - NOT - the fees for going overdrawn.

clearly people need to read posts a bit closer before commenting.

The_White_Horse

btw - can all the people who told me I should move bank if i didn't like the unauthorised bank fee charges please tell me the bank I should be at that does not charge these fees.

I am sure there are lots around, but being thick I agreed to join a bank that did charge it. I await the people in the know to tell me which bank i can choose to join that would not charge me these fees.

Cheers all.

Dan:_4

You have a s.hit credit rating - hence the interview.