800,000% overdrafts

meer53

lanza wrote: »

Do they, where is the evidence for that ?




you have the right to express it. whether its an opinion that is worthy of having a right to expression is another matter.

You are an absolute joke. Is says be nice to Newbies, well sorry, you're one Newbie who is so far up themselves it won't be long before you explode with your own self importance. And i can't wait. :rotfl:

ILW

Just to say, I have no complaints about how my bank deals with my account.

IrishGypsy

lanza wrote: »

yes, finding out at the cost of 150 pound charges to understand every possible combinatric of their 20 pages small print booklet for a card just to pay groceries...

next useless point please.

I'm starting to wonder if this is just some sort of super-trolling account, but let me just assume you're for real for now.

1. 'Naming and Shaming' staff who are simply being paid to do the job that keeps the roof over their heads is going to achieve very little (especially when they have no alternative but to 'tow the company line' and could in fact LOSE their rather important jobs if they fail to do so).

2. If a member of Santander's staff actually said that the debit card couldn't ever let you go overdrawn then that member of staff certainly needs some additional training so they don't make the same mistake again. No-one's perfect.

3. If you feel the need to 'whack people' then perhaps you should seek some sort of anger management, because as !!!!ed off as some people make me, getting violent isn't going to achieve anything other than an assault charge and a possible criminal record here in the UK. Clearly worth the risk over some bank charges isn't it?...

Dr_Cuckoo3

lanza wrote: »

I have a debit card to save the hassle of going to the cash machine when paying for the usual everyday piffle.

So what misunderstanding are you referring to ?

Previous to the santander skam loan shark trap ..sorry i mean nicely designed service for the customer i had a prepaid debit card.

now for some reason that could never go into a negative balance.

why ? well somewhere a computer somewhere has to look at your balance before it authorizes a withdrawal. Yet the santander and all the banks allow these little ten/twenty pound over-runs. And then they charge you 25 quid a whack, and they start a ratchet interest on that, and then they dont tell you its happening, and you cant check your balance where you make the payment... so requiring you to go off to a cashline to check some mistake has not occurred on your account or some other problem, and there by the debit card is off no use, because you might as well just go to cash machines in the first place.

Yet i never had these problems with the pre-paid debit card..

the whole thing is a scam pretty obviously to anybody with a brain, i have spoken to.. and now the entire press (but presumably they are just trying to sensationalize this and cannot be trusted)

The only people who do no think its a scam are some strange people logging on for a smug pathetic rub salt in the wounds trip.

Well i suppose its requires a level of Machiavellian intelligence to practise the art of online windup.... so hey respect and power to that in a schoolboy prank level kind of spotty teen kind of way.

Islamic bank accounts tend not to allow the account to become overdrawn as a result of debit card usage

United National Bank debit card states"You can spend only what money you have in your account,so using your UNB Debit Card will not put you in debt"

http://www.unbankltd.com/wp-content/files_mf/2974.pdf

The charges are much lower for Islamic accounts generally
http://www.dailymail.co.uk/news/article-1208204/An-overdraft-Thatll-200-Lloyds-TSB-15-youre-Muslim.html

(that article is from August 2009) Lloyds current charging scenarios confirm that an Islamic account holder will pay £5 where a non Islamic account holder will pay £85

I think Lloyds apply the "Control" option free of charge for Islamic accounts - so perhaps an Islamic Bank account would suit you

ILW

Dr_Cuckoo3 wrote: »

Islamic bank accounts tend not to allow the account to become overdrawn as a result of debit card usage

United National Bank debit card states"You can spend only what money you have in your account,so using your UNB Debit Card will not put you in debt"

http://www.unbankltd.com/wp-content/files_mf/2974.pdf

The charges are much lower for Islamic accounts generally
http://www.dailymail.co.uk/news/article-1208204/An-overdraft-Thatll-200-Lloyds-TSB-15-youre-Muslim.html

(that article is from August 2009) Lloyds current charging scenarios confirm that an Islamic account holder will pay £5 where a non Islamic account holder will pay £85

I think Lloyds apply the "Control" option free of charge for Islamic accounts - so perhaps an Islamic Bank account would suit you

They do cuts bits off of you if you go over though.

lanza

meer53 wrote: »

You are an absolute joke. Is says be nice to Newbies, well sorry, you're one Newbie who is so far up themselves it won't be long before you explode with your own self importance. And i can't wait. :rotfl:

i exploded with self importance on my first post, but that has been deleted

Feel free to be as harsh as you like.

I will be taking on these banks. This whole system is corrupt. When i was younger managers were older men experienced in life and took an interest in investing in people and the community. They were also capable of judging character well.

These banks were taken over (due to their success) and turned into empty scam shells replaced by sociopathic emotionaly immature kids who follow orders.

If anybody cannot see this they are either under 40, deluded or have some kind of problem themselves.

The system needs rebuilt and that is that. Hopefully we will not require anarchy. The old system or something like it would be preferable.

lanza

Dr_Cuckoo3 wrote: »

Islamic bank accounts tend not to allow the account to become overdrawn as a result of debit card usage

United National Bank debit card states"You can spend only what money you have in your account,so using your UNB Debit Card will not put you in debt"


I think Lloyds apply the "Control" option free of charge for Islamic accounts - so perhaps an Islamic Bank account would suit you

I have bank account that suits me thanks.. I dont need financial advice.
I am not in debt and well organized economically.

can you re-read the OP and go read the BBC article. I appreciate well intended advice but there has been to much derailing of the thread about my banking situation. That is not a problem now.

This thread and its OP is about banks and morality.

lanza

IrishGypsy wrote: »

I'm starting to wonder if this is just some sort of super-trolling account, but let me just assume you're for real for now.

1. 'Naming and Shaming' staff who are simply being paid to do the job that keeps the roof over their heads is going to achieve very little (especially when they have no alternative but to 'tow the company line' and could in fact LOSE their rather important jobs if they fail to do so).

2. If a member of Santander's staff actually said that the debit card couldn't ever let you go overdrawn then that member of staff certainly needs some additional training so they don't make the same mistake again. No-one's perfect.

3. If you feel the need to 'whack people' then perhaps you should seek some sort of anger management, because as !!!!ed off as some people make me, getting violent isn't going to achieve anything other than an assault charge and a possible criminal record here in the UK. Clearly worth the risk over some bank charges isn't it?...

No need for such concern. I had already calculated the risk of time in jail and effect of that charge on my professional career. So i picked a more careful option and utilized charged threats with carefully constructed language on the manager that could not have me charged.

However i still would like to whack him. Unlike your statement, he was not following orders.

There a couple of primary levels these stool pigeons...sorry managers operate at.

1. They just follow orders. They are hired because they have personalities suited to that, but dont really like their decisions.

2. They actually believe they are morally justified based on some asperger style Pseudo darwinistic sociopathic zero sum game theory.

My manager was type number 2. He believes his own !!!!!!!! philosophy so much he felt justified to lie on several levels and try to play game with me, like doing deals.

There is no deal. If I broke the banks rules then why would they give half the charges back ? I turned him down based on the fact he had no rationale to offer me such a deal.

Most humans (except a lot of people in banking today) have a basic moral compass. ITs hardwired from our primate times, but ill spare you the neuro details. Bankers (mostly) lack this compass. They like to create a system where they can still have status despite a lack of basic morality.

When somebody offers you £100 for a £2000 car, because you are in dire straights, and they can afford to give you a fair price you become morally outraged. This is not about the money for me. Its about moral outrage.

meer53

Just accept that the banking system isn't going to go into reverse, the system is constantly changing, some things will be for the better, some worse, it's life. Not everyone is unhappy with the banking system. If your posts had been a little less patronising then maybe the thread wouldn't have been derailed. Your comments about bank managers when you were younger explains a lot for me. In my job, i make decisons about lending to customers, (amongst other things) i treat every customer as an individual, i don't need to know them personally to try to help them, i give the same service to every one i deal with, why do you need to have a personal relationship with a customer for the customer service to be excellent ? Maybe you should change banks if you're so unhappy ?

lanza

IrishGypsy wrote: »

I'm starting to wonder if this is just some sort of super-trolling account, but let me just assume you're for real for now.

1. 'Naming and Shaming' staff who are simply being paid to do the job that keeps the roof over their heads is going to achieve very little (especially when they have no alternative but to 'tow the company line' and could in fact LOSE their rather important jobs if they fail to do so).

.

i missed that. A valid point indeed. The last thing i would ever want is kangaroo justice occurring online. I just demarcated between managers who are pressurized to comply and those who actually think the situation is justified and correct.