800,000% overdrafts

lanza

meer53 wrote: »

Jennywcc, ignore Lanzas comments, he's a sandwich short of a picnic. You've added to an existing thread instead of starting a new one with your own question. Try again with a brand new thread and you'll get the response you're looking for !

and a good thing to she has added here to show the damage they are doing to her. Letting it all in here in one spot stops you from segregating the truth of this matter into little bits.

tagq2

lanza wrote: »

I didnt spend money. Again you have not read this thread. The santander made errors in my online payments, saying payments had not gone through when they had.

Have you made a formal complaint to Santander explaining the history and requesting a refund of all consequent charges?

Are you prepared in future to do for yourself any of:

• Keep a record of your expenditure like everyone had to do between the time individuals were issued with cheque books and the rise of debit cards;
• Open an account with one of the several banks which provide free banking but low overdraft fees and caps on charges;
• Open an account with one of the several banks which charge a monthly fee but no extra fees for going overdrawn;
• Use a pre-pay debit card;
• Use cash;

and for your cause any of:

• Learn more about the law in context of the society in which it operates to reduce your reliance on straw men in argument;
• Teach others about good money management;
• Exercise your right to petition for sustainable response to bad money mangement, e.g. neither bailouts nor snowballing;
• Campaign for a vote for representatives who would support such changes - all you need is for people to agree with you, it's that easy!
• Set up or participate in your local credit union/cooperative?

Wouldn't this be better than looking for your 6 million scapegoats like too many revolutionaries?

You are like that manager. He didnt want to hear any evidence. Well i am collecting it now for the claims court against him. I hope the summons gets lost in the mail so he gets banged up in jail for non appearance.

Your action is against the bank, not the manager, and no-one will be "banged up" for not appearing at small claims court.

lanza

tagq2 wrote: »

Have you made a formal complaint to Santander explaining the history and requesting a refund of all consequent charges?

Are you prepared in future to do for yourself any of:

• Keep a record of your expenditure like everyone had to do between the time individuals were issued with cheque books and the rise of debit cards;
• Open an account with one of the several banks which provide free banking but low overdraft fees and caps on charges;
• Open an account with one of the several banks which charge a monthly fee but no extra fees for going overdrawn;
• Use a pre-pay debit card;
• Use cash;

and for your cause any of:

• Learn more about the law in context of the society in which it operates to reduce your reliance on straw men in argument;
• Teach others about good money management;
• Exercise your right to petition for sustainable response to bad money mangement, e.g. neither bailouts nor snowballing;
• Campaign for a vote for representatives who would support such changes - all you need is for people to agree with you, it's that easy!
• Set up or participate in your local credit union/cooperative?

Wouldn't this be better than looking for your 6 million scapegoats like too many revolutionaries?

obviously a cut and paste job. If you read through this thread i have done most of this... and all so i can do stupid things like pay a few bills and buy groceries. Isnt the replacement of cash by technology wonderful.

And the number 6 million, where did you get that from ? If you read through this thread I was looking at perhaps 2,000 to 20,000. i.e Decision makers and lower down decision makers who collude in this immoral behavior. The rest of the staff frankly look embarrassed to have to work in these places nowadays from what i can see these days.

Your action is against the bank, not the manager, and no-one will be "banged up" for not appearing at small claims court.

its against the manager for telling me a series of blatant lies, refusing to look at the evidence of their mistakes and trying the insolence of making a deal with me on the outstanding charges. I dont make deals with crooks.

There are ways to get him banged up for the night, and when he wakes up in a cold cell, and does not manage to puke at the breakfast, he will get taken in the uncomfy ride handcuffed to court for non-appearance where he will spend up to 7 hours in teeny cell the size of a double bed with 5 other prisoners listening to a lot of banging and shouting from the local drunks and hoods racketing in the other cells all day.

i wont be spilling that particular knowledge about how to make that happen here. there is a way to make it happen, no more sneaky than the tactics the banks use. It might cost me £500 but well worth it to show up and let him see me while in the dock.

time for these people to get what they deserve.

tagq2

lanza wrote: »

obviously a cut and paste job.

From brain to paper.

If you read through this thread i have done most of this... and all so i can do stupid things like pay a few bills and buy groceries.

Excellent. Carry on.

Isnt the replacement of cash by technology wonderful.

Cash has not been replaced by debit cards. There are many alternatives to current account debit cards on the high street and very few reasons to choose them for payment. So don't.

All sorted? :beer:

JuicyJesus

lanza wrote: »

You are like that manager. He didnt want to hear any evidence. Well i am collecting it now for the claims court against him. I hope the summons gets lost in the mail so he gets banged up in jail for non appearance.

You're suing the branch manager? Seriously? The person who isn't actually legally responsible for any of this? If you were taking small claims action against Santander then you'd at least be suing the right people. What suing the manager says is that you think he's personally responsible for levying the charges against you - as in, he was the one who took the money from you. He's not. Santander are.

You will be laughed out of court and have wasted £100-odd which would be better spent paying off your debt.

lanza

JuicyJesus wrote: »

You're suing the branch manager? Seriously? The person who isn't actually legally responsible for any of this? If you were taking small claims action against Santander then you'd at least be suing the right people. What suing the manager says is that you think he's personally responsible for levying the charges against you - as in, he was the one who took the money from you. He's not. Santander are.

You will be laughed out of court and have wasted £100-odd which would be better spent paying off your debt.

No i am suing santander but trying to make sure he is the representative that gets sent to the court hearing. If that means i sue him, then i will.

It was his decision not to return these wrongfull charges. His decision to ignore evidence. His decision to lie in my face in a righteous and smug manner, because he spent years at university understanding how to create and twist small print to a new level of moral depravity.

Its individuals like that acting together that allow this mass scamming to take place in the first place.. Should these people have status in their jobs to sit and feel free in open plan offices to lie and scam in my face in a relaxed and confident manner ? No i dont think they should. They ought to be scared to go to work.

I remember the time when bank managers were decent, now they pick kids with a certain personality profile. I dont have polite words to use to describe them except efforts should be made so that such a job becomes very unattractive.

JuicyJesus

lanza wrote: »

No i am suing santander but trying to make sure he is the representative that gets sent to the court hearing. If that means i sue him, then i will.

That will not happen. If anyone turns up to represent Santander it will be a solicitor, not a bank manager, no matter how much you stamp your feet or hint at what you want. The only way you could make him attend is by suing him personally, which as stated previously is an idiotic move for a cornucopia of different reasons.

Even if it was his decision not to refund charges, he was acting on behalf of Santander in his capacity as an employee, and the fees were levied by Santander. Thus Santander are responsible. The court will not hold him personally responsible (in a legal sense) in any way.

To be honest your issue would have been best rectified by writing to Santander's complaints team. If they've actually done something wrong (e.g. duplicated payments as you claim) then the onus is on them to correct it and fix the consequences of their mistake. This would have cost you the price of a stamp. That this hasn't happened implies that something else has gone on.

Hasty1991

This thread has become very amusing!

Lanza, you poor, poor, misguided individual...

lanza

Hasty1991 wrote: »

This thread has become very amusing!

Lanza, you poor, poor, misguided individual...

Dont you like poor people ?

are you another banks employee or the like. strange how there are so many here. two admit it on this thread alone, and they go about thanking posts that back them up. I thought these forums were supposed to be haven from them and the problems they bring. Guess all the info they can glean and new schemes, insights into are resistance is just too irresistible.

Hey guess what.... its not going to work... social conformity and peer trust or any of these other techniques these institutions are relying on all these years for us to take robbery and escalate it bit by bit.

who has answered this question honestly so far. I have only asked it three times, with no straight answer, and its directly linked to the OP of this thread

Is it right that somebody can end up thousands of pounds of debts for a trifling error. Most likely the poor and overstretched ?

Only the brazenly +++++ will come on here to justify it, or evade sidetrack the issue etc...I am not going to wait for their nonsense answers.

The Answer is no of course, yet as we can see from the OP this is precisely the activity that is escalating in our system since the banks lawyers managed to defeat the OFT in the supreme court. 800,000% over trifling errors that likely to hit the poor most, and there are people who dare come on here and justify this.

I am now seriously curious as to what is going on here on this BB.

lanza

JuicyJesus wrote: »

That will not happen. If anyone turns up to represent Santander it will be a solicitor, not a bank manager, no matter how much you stamp your feet or hint at what you want. The only way you could make him attend is by suing him personally, which as stated previously is an idiotic move for a cornucopia of different reasons.

Even if it was his decision not to refund charges, he was acting on behalf of Santander in his capacity as an employee, and the fees were levied by Santander. Thus Santander are responsible. The court will not hold him personally responsible (in a legal sense) in any way.

I hold him responsible for his actions and the fact nobody held a gun to his head to make the decisions. He wilfully refused to look at the evidence of his banks wrongdoings. 5000 managers like him spread over the country add up to massive hardship for what, 1,000,000 people a year ? These managers are the people that need to be targeted as we cannot get to those higher up. Santanders boss up in front of treasury select committee this year, banks taken to supreme court by OFT.

Result. situation worse. They are untouchable and everytime they realise this things get worse for us. The only solution is their lower ranks need to be taken out at the street level so it becomes a job nobody wants. I am not suggesting physical violence. There are plenty of interesting and legal ways to ensure they dont want to come into work or even change their ways. The latter is doubtful, better they just decide the job is too much hassle.

"Oh i was just following orders", the classic line of every evil deed in history.

To be honest your issue would have been best rectified by writing to Santander's complaints team. If they've actually done something wrong (e.g. duplicated payments as you claim) then the onus is on them to correct it and fix the consequences of their mistake. This would have cost you the price of a stamp. That this hasn't happened implies that something else has gone on.

We all know whats going. Legalized loan sharking techniques. Read the OP. I dont care to appeal to their system. We have been doing that for over 7 years taken it to the supreme court and now it is worse than ever. Legal processes are not working. Do you want this country to become corrupt to the core ?