Shock from HBOS this morning...

Thrugelmir

AlisonM wrote: »

which I find to be an arrogant and judgemental statement.

There is no nothing judgemental (i.e. moral) in people accepting responsibility for their own personal finances. Far better than just ranting away and passing the buck.

Visit the Debt Free Wannabe board for advice and support on how to tackle your real problems. Which only you have the power to address.

AlisonM

moonrakerz wrote: »

My response was quite truthful - your trying it to get sympathy for what you were doing by stating that you are a widow with three children was completely irrelevant.

You are complaining/querying the bank's "practice" - has it not occurred to you that they have have got sick and tired of your "practices" and decided to force the issue - which, reading between the lines, has been going on for some time.

It isn't the bank's money that we are talking about - it belongs to other people - why should they subsidize your "practices" ?

Many people can get into difficult situations for a number of different reasons - and they can also manage their way out of them.

Your response to a new poster with a genuine question, for which they had to provide background detail in order for people to get a fuller picture, was a thoughtless put down.

The overall message received was 'you stupid person'.

Is this how you express yourself in a face to face conversation? I sincerely hope not.

I am managing my way out of a difficult situation and my management was thrown for a loop this morning.

I do not need judgemental screams of incredulous disbelief because someone (ie me) is so stupid as to have a problem that they (you) would obviously never ever have because you know everything there is to know about money and banking.

Please exercise a little more tact.

ThumbRemote

AlisonM wrote: »

I know that better solutions are needed.

I'm not asking for get out of debt advice.

AlisonM wrote: »

I did not ask for advice on how to look at my outgoings.

I have everything calculated to the last penny

AlisonM wrote: »

I pay for the overdraft.

You know that better solutions are needed, but you're not asking for debt advice.
You are throwing money away on maintaining an overdraft.
Your bills are such that your DDs regularly bounce, indeed you expect this.
You have everything calculated to the last penny, so much so that you expect your bills to bounce.

You need to do something about your finances. The bank may just have forced you into doing so. You should be thanking them for giving you the impetus.

ILW

AlisonM wrote: »

Many people can get into difficult situations for a number of different reasons - and they can also manage their way out of them.

Your response to a new poster with a genuine question, for which they had to provide background detail in order for people to get a fuller picture, was a thoughtless put down.

The overall message received was 'you stupid person'.

Is this how you express yourself in a face to face conversation? I sincerely hope not.

I am managing my way out of a difficult situation and my management was thrown for a loop this morning.

I do not need judgemental screams of incredulous disbelief because someone (ie me) is so stupid as to have a problem that they (you) would obviously never ever have because you know everything there is to know about money and banking.

Please exercise a little more tact.

Why did you not stop the DDs that you believed the bank were going to bounce?

AlisonM

Thrugelmir wrote: »

There is no nothing judgemental (i.e. moral) in people accepting responsibility for their own personal finances. Far better than just ranting away and passing the buck.

Visit the Debt Free Wannabe board for advice and support on how to tackle your real problems. Which only you have the power to address.

I didn't appreciate your comment that I was 'sitting back and letting it be the bank's problem'. The inference is that I have a problem of laziness and lack of responsibility.

This might well be the case - but isn't it more helpful to be unconditionally constructive in your comments?

AlisonM

ThumbRemote wrote: »

You know that better solutions are needed, but you're not asking for debt advice.
You are throwing money away on maintaining an overdraft.
Your bills are such that your DDs regularly bounce, indeed you expect this.
You have everything calculated to the last penny, so much so that you expect your bills to bounce.

You need to do something about your finances. The bank may just have forced you into doing so. You should be thanking them for giving you the impetus.

Maybe I will. Thank you.

AlisonM

ILW wrote: »

Why did you not stop the DDs that you believed the bank were going to bounce?

because they were always paid on the second attempt... that has been the pattern.

AlisonM

maninthestreet wrote: »

AlisionM - you are in complete denial of your current financial situation. No matter how you this position came about, even if you are totally blameless, you need to start taking responsibility for improving it. Blaming the bank for unexpectedly paying your DDs because they previously bounced them isn't going to win you any friends on these boards, as you've discovered.

Walking a tightrope maybe, but not denial. I'm not sure I blame the banks - just thrown for a loop by an unexpected change.

mrmajika

To answer the initial question.

HBOS back end systems were transferred to the Lloyds platform during September, so it could (most probably) be that the new (Lloyds) system has a propensity to honour payments and push you overdrawn rather than bounce the DD.

You will have little to no comeback with the bank regarding this though.

Best of luck.

molerat

+1 for the above. My son's BOS account has always transferred money to the "bills" account 1st of the month irrespective of the day. This time it has gone in today.