Nobody incl. the Santander branch manager knows how to stop the charges. CAN YOU ?

lanza

NO (the correct answer)

Nah actually i think you are just deluded idiot about these systems. Not even a snake would actually be so stupid as to present themselves in such an obvious manner. We all know from neuropsychology studies that group thinking brown nosers who believe in these systems really do believe to their heart they work when they dont. They will even confabulate and defend the system harder when concrete evidence is presented to the contrary.

That my friend is the power of belief and so we see here how stupid such a state of mind makes a person.

pinkdalek

YES of course they can stupid (and pray tell how)

lanza wrote: »

Another junk reply i see. So that is the great answer is it that you voted on ? Clearly then you didnt even read the OP of this thread where there have been two managers and now i count in total 6 staff in this matter all who made it worse.

I think you are under some delusion about banking today. No dont tell me another of the throng of la la la there is no problem it can all be sorted out if you Do A and B.

I dont know how you could know so little, considering all the posts you have made here and the issues raised here about all this nonsense. It is clearly obvious this forum has an extra-ordinary amount of regular members who get some type of sadistic pleasure in rubbing salt in the wounds of victims of these scams. Either that or they are as thick as SXXT.

It really is very revealing, just reading the threads then looking through the posting history of these people. Something i do whenever i arrive at online groups. A lot of these people are ex industry, well of course they have so much invested in actually thinking this system is not corrupt to the core. Its their life, but perhaps they are just so conditioned to be subconsciously complicit they dont even know right from wrong anymore ? Anything to say on that one ?

No i seriously doubt that.

I think you need help and not just from a financial perspective......

And how is advising you to complain and ask for compensation for the distress caused to you "rubbing salt in your wounds"

pmduk

It really is very revealing, just reading the threads then looking through the posting history of these people.

It works both ways you know.

lanza

NO (the correct answer)

pinkdalek wrote: »

I think you need help and not just from a financial perspective......

Very good :money: and so you have moved on from simply blaming the victim of these scams to labeling them as mentally defective. What a great progression that is. What intellectuals are here on moneysavingexpert.com

At least your process is predictable with the phenomena known as Fundamental attribution, where by that IS the classic sequence of attribution you are just committing. OR LET ME MAKE IT EVEN MORE CLEAR. By first of all seeking to blame the victim of a scam and then to follow that up by seeking to select aspects of their behaviour to confirm your bias THAT is the classic pattern for FUNDAMENTAL MISATTRIBUTION.

Sure i am letting rip a bit, but so what ? Thats what you have to do with people whose brains have been infected with money orientation. Your idiotic attempt to label me as mentally defective, just highlights the point i was making in the first place.

ARe you having a problem understanding this strange concept ? FUNDAMENTAL ATTRIBUTION Is the natural instinct of most humans just to blame somebody anyway for adverse events, or to look for reasons to do so.


http://en.wikipedia.org/wiki/Fundamental_attribution_error

Read it, but i doubt you will so i will cut and past sections that are relevant in the future. you should know this stuff that is IF you wish to be a well rounded person. THIS IS one of the largest Bugs (as in faulty coding of our brains) that most people make. IT is responsible for class divides, war, racism, dehumanization, abuse of others etc etc.

Only scientific training or certain types of background can really get it under control. MOST people do not want to have it under CONTROL because it is so DAMN PLEASURABLE and leads to clear WINNERS AND LOSERS in populations with as little GUILT as possible, even if the process IS fundamentally flawed to anybody with even half a BRAIN.


Why is fundamental attribution so rampant on this forum? OF course you do not care but i am going to tell you anyway, so you can forget all about it, which i am sure you will.

I suspect the reason that FUNDAMENTAL ATTRIBUTION IS EXTREMELY HIGH ON THIS FORUM is because becoming obsessed with money has that effect on people. Ever heard of a field of science called Neuroeconomics ?

I seriously doubt you are that well educated. Well lets just say the word "Neuro" and "economics" are not put together for no good reason. And lets just summarize this field by the statement that money has a transformational effect on mental processes which does not for the main bring out the best in people.

http://en.wikipedia.org/wiki/Neuroeconomics

And how is advising you to complain and ask for compensation for the distress caused to you "rubbing salt in your wounds"

That is just one of the flaws you committed some kind of idiocy that these methods actually work in reality for most people in Santander ? ARe you having a joke. I mean you are a member here and you do not know how completely incompetent their system is. That and they do not give a S!!T anyway.

Or what about this lot of tribble you wrote ..why ? why bother log on to write this ?

"he original overdraft was entirely your fault since you tried to spend money which you didn't have, which with virtually any bank account with any bank can lead to an overdrawn situation, and which the bank cannot always prevent you from doing -"

Wrong its the banks error if you had even read the OP but it does not even matter if it was the banks fault or not, as that is not even the issue. Do you read a threads OP or just jump on half way through to try and get a dig for a cheap thrill.

I wont even bother trying to explain, you have to tell me what the OP is about

LEts see what other tribble is here.

and which moreover is explicitly covered in the contract you agreed to when you opened the account (which incidentally is not hard to understand, T&Cs are by and large written in plain English.)

Is that correct is it. I have 60 pages in books in total for this account. All require cross referenced. I am a PhD student and i will tell you know that to fully comprehend every aspect of this account and all the combinations of its working would take me several days of full time work.

ARe you aware that Which magazine asked a PhD student to try and understand the accounts charging system and he could not. In fact nobody they asked was able to. And yes this was a mathematics PhD he had. I can tell you from looking at this, the task is impossible. Even if i take a week out my life for this, at any time they can change and tweak these conditions. Do i receive notice. YES if i have nothing better to do than log on to the banks web site every day of my life for a stupid card i got just to buy some groceries rather than walk to a cashpoint, and all to what, avoid being robbed blind far more seriously than most muggers could get from me on a trip to the supermarket. £480 charges for an error of £20 are you HAVING A JOKE THAT THIS IS ANYTHING MORE THAN CRIMINAL ?

Do you think it is reasonable to have to spend every day of my FXXing life for this? YES OF COURSE YOU DO ...as there IS no reasoning with idiots that seek to blame, blame, blame and deny responsibility, all because you require a precious belief that the world is really just in these institutions to help you sleep at night.

NO you cannot predict these institutions, it is chaos in there. The wild west spirit has infected them in case you had not realised this very basic fact of reality that has been all over the papers and the news now for five years you idiot.

right what more junk do i have to read that you wrote.

Furthermore they have probably given you a rational explanation for the charges and you have either wilfully ignored it or gone off on one at them about how the bank manager put fluoride in the water to sap and impurify your precious bodily fluids.
AS stated previously, am i not repeating myself over and over here now.

how predictable more crap about along the same lines of the institution is rational and reasonable and the victim is all to blame, mentally defective, la la la fingers in your brain, blah, blah etc etc.

Hey its up to you, if you cant handle reality. It will be your loss, it is never a good idea to be out of touch with reality in case you had not realized this very basic fact of life by now.

lanza

NO (the correct answer)

Oh i see more complete fools are voting for the it can be understood.

What to boost your own delusional state and just lie, go on. I can use that poll to figure out who are the idiots and liars on this forum.

IF a mathematics PhD cannot figure out these accounts, if no staff which employ can figure it out, I am a PhD student, i cannot figure it out (unless i delude myself). 8 members of Santander branch (including managers) cannot figure it out.

So go on all you idiots trying to tweak the figures of that poll. I notice only one out of all who voted yes actually followed the conditions and produced a good (AND REAL) explanation that even remotely gets a grip on this problem. And THAT person was a staff member at Santander.

dixon-bainbridge

So, lanza, what is exactly is the point of this thread? You start a poll but if someone does not choose the option you want you label them idiots or deluded fools. If someone gives an opinion you attack them. You also appear to dislike the mse forum and it's users.

So my question to you is, what exactly are you trying to achieve with this and if this site and it's users are so awful why are you on here?

I'm puzzled.

lanza

NO (the correct answer)

dixon-bainbridge wrote: »

So, lanza, what is exactly is the point of this thread? You start a poll but if someone does not choose the option you want you label them idiots or deluded fools. If someone gives an opinion you attack them. You also appear to dislike the mse forum and it's users.

So my question to you is, what exactly are you trying to achieve with this and if this site and it's users are so awful why are you on here?

I'm puzzled.

YES good question I am wondering that myself now.

The idea which beget this is that i am preparing several lines of legal charges against the Santander, so was curious whether even the money savvy people here could comprehend their charging system.

That has been well and truly answered and more than i bargained for. i.e. All the lies and blaming.

Although i understand why people do this, I guess i have got pretty riled up as i am yet to reach the stage of being resigned at the emotional level of this very clear human failing.

Obviously there is a strong requirement here for members to maintain a mutual self delusion for the reasons mentioned previously. i.e. It would be too much to bear for many here to think that people in these systems are truly rigging it against them. i.e. They badly need to believe that gaining knowledge of procedure will be enough. Money is after all a value indicator which aids in survival, so of course the requirement to believe in fairness is a very strong motivator.

Otherwise why would we have a load of people vote "yes it can be understood" when clearly it cannot ? AND they appear unable to follow the simple requirement if they answer yes.

i.e. EXPLAIN clearly how the charges can be understood.

SO far out of all those who voted "yes" one Santander staff managed not to explain it, as he didnt understand himself, but give a workaround for those staff so inclined not to blame the customer, and who think this is completely wrong.

pinkdalek

YES of course they can stupid (and pray tell how)

I'm not labelling you as mentally defective nor am I doing so to people who are victims of financial fraud, difficulties etc.

But you do need help, this thread has got to the point now were nobody really cares, you throw suggestions and you get a reply in jargon and wondering what exactly you want to achieve from this.

Like I said you haven't even acknowledge what advice I gave you, and quite bluntly if you were like this with me in my line of business I would have fired you off long time without as much as any compensation or apology.

I truly wish you all the best in your one man crusade.....

pmduk

pinkdalek wrote: »

I'm not labelling you as mentally defective nor am I doing so to people who are victims of financial fraud, difficulties etc.

You might choose not to label him as such, however with his different fonts, colours and rants I'm beginning to wonder myself.

Santander will probably be approaching the point where they decide his custom is no longer desired.

pinkdalek

YES of course they can stupid (and pray tell how)

pmduk wrote: »

Santander will probably be approaching the point where they decide his custom is no longer desired.

God help the poor bank who he or she ends up moving to then.