LloydsTSB is withholding my money

jonesMUFCforever

MrEngland wrote: »

Full of hatred and now Im a liar too,

See Underclass, read the posts, read them YOU SHOULD BE ASHAMED OF YOURSELVES.

I will NEVER come here again!

With an attitude like you have It is hardly surprising that you are on the dole.

pmduk

MrEngland wrote: »

I used to take my son out on Sundays, we visited relatives and went places as this was THE only day in 14 days I can afford to. Now he doesn't want to come down on the weekends now because he says (quite rightly) we never go anywhere.

Quite possibly it's rants like this and the huge chip on your shoulder that dissuades your son from visiting you

ses6jwg

troll imho

iereboy

I don't believe he is a troll.

He's one of many who ring on a Sunday to the bank. Its only because his way of thinking is so radically different to ours, he comes across as a troll. He's believes he is right when we know otherwise given our experience.

I think its just ignorance on his path, poor budgeting skills coupled with a chip on his shoulder. He believes society somehow owes him something for his plight when indeed he owes society for providing for him in his current employment situation.

dtsazza

Just in case there's any confusion, I also agree that you have no right to receive a Monday payment before Monday, and it's entirely fine for the bank to pay it as such. Anyway:

MrEngland wrote: »

I used to take my son out on Sundays, we visited relatives and went places as this was THE only day in 14 days I can afford to. Now he doesn't want to come down on the weekends now because he says (quite rightly) we never go anywhere.

That's not the bank's fault. If you couldn't spend £20 (say) on the Sunday taking your son out because of the payment change, this means that you'd have had £20 extra in your bank account on the Monday. And if you'd spent the same amount that week as you would have previously, you'd still have £20 extra in your account come the next Sunday morning. Which you could have used to take your son out that week.

So (asides from the very first day when the payments adjusted), if you don't have money to take your son out it's because you're spending it on stuff, not because of the bank's payment schedules.

I really suggest that you look at how you're budgeting your money, because it sounds like this could be improved quite notably. In particular if you "always end up borrowing a little here and there", then a week or two of discipline and perhaps a tighter-than-usual belt could see you not needing to borrow this money at all in the future!

It sounds like you're spending tomorrow's money today all the time - if you can reduce your outgoings (or increase incomings) even temporarily, you can shift this to spending today's money today - or even better, spending yesterday's money today - and that's a major shift both in the concept how you manage your financial affairs, and how interest will work for you (receiving it instead of paying it).

Not to mention that you can be sure you'll have enough money on hand for those things that are really important like your son, instead of relying on the bank to accidentally take care of this on your behalf.