Well annoyed, banks are crap. Have they screwed over my little sister? Is this fair!?

trikidy

This happened to me, not as bad but over £500 of charges. Hard lesson and not "fair" but you learn.

Andystriker

TangerineDream wrote: »

[FONT=&quot]
Most of your lack of empathy is disgusting. [/FONT]

Yet another OP who does not want to listen, unless it's what s/he wants to hear

JuicyJesus

TangerineDream wrote: »

Most of your lack of empathy is disgusting.

I have empathy. I would not want to be in your sister's situation.

But that still does not change the fact that if I were, it would be entirely my own doing.

Because she acted like a child and didn't use her account, failed to view it or look at it, or open her post, she deserved a few quid OD to turn into over a grand OD?

Quite bluntly? Yes. If you act like a child and don't take responsibility for your affairs you will get screwed over. Such is the case in all walks of life.

poet123

Come on, you need to accept that responsibility lies with your sister for not acting on letters received.

A lot of the problem with youth today (and I am not that ancient) is that it is always someone else's fault, she needs to take responsibility, and you need to stop aiding and abetting her in abdicating that responsibility, she is responsible for her own shortcomings and you are doing her no favours by railing against the banks rather than taking her to task for sticking her head in the sand.

I have four children, some older some younger than your sister and if any of them found themselves in a similar position, I would help but not without firmly showing them the error of their ways. Do her a favour step up to the plate and firmly tell her that she is responsible for money management and that if she doesn't look after her money no one else will bother.

TangerineDream_2

Andystriker wrote: »

Yet another OP who does not want to listen, unless it's what s/he wants to hear

I have listened.

Do you get a thousand pound fine for failing to buy a parking ticket for the first time?

Do you get a thousand pound fine for speeding the first time?

Or any number of other 'crimes' or 'mistakes' that most people then learn from and don't repeat?

The sum demanded and calculated by the bank is outrageous.

I am against the amount expected of her to pay. I am not saying she is without fault, or somehow immune to life lessons.

stclair

Southernman wrote: »

I work for Natwest too (seems to be a few in this thread) don't even get me started on cold handoffs that seem to escalate to my department. Charges for unarranged o/d fees that are never the individual's fault seem to head in my direction with customers majorly bad tempered and mouthing off at me. I wish i could be as blunt as JuicyJesus above, but alas...

Do you work in lending by any chance :rotfl:

Tiddlywinks

TangerineDream wrote: »

[FONT=&quot]So does it come down to this then?[/FONT]

[FONT=&quot]Because she acted like a child and didn't use her account, failed to view it or look at it, or open her post, she deserved a few quid OD to turn into over a grand OD? .[/FONT]

YES! Now you're getting it - it's called being a grown up!

[FONT=&quot]

TangerineDream wrote: »

Most of your lack of empathy is disgusting. Look at the images I posted again, especially the last one. The fines imposed are completely UNJUST, IMMORAL and SCANDALOUS.

[/FONT]

Looked at the images - they show charges over a very prolonged period - all charges will have had warnings - letters will have been sent to the account holder (an adult).

Your sister is going to uni? Living proof that educational requirements / standards are really slipping.

Southernman

TangerineDream wrote: »

[FONT=&quot]So does it come down to this then?

Because she acted like a child and didn't use her account, failed to view it or look at it, or open her post, she deserved a few quid OD to turn into over a grand OD? [/FONT]

But of course.

It's time she stopped acting like a child and enter the real world. Luckily the bank helped out with some of the charges which was decent of them. They have no obligation to though and it is down to their own discretion.

Next time ensure she reads the terms and conditions of her bank account for future reference. People only tend to complain when they don't adhere to the t and c but it's all there!

JuicyJesus

TangerineDream wrote: »

I have listened.

Do you get a thousand pound fine for failing to buy a parking ticket for the first time?

Do you get a thousand pound fine for speeding the first time?

Or any number of other 'crimes' or 'mistakes' that most people then learn from and don't repeat?

If you ignore the ticket, and then the fine for ignoring the ticket, then the fine for ignoring that fine, and then the court summons and everything else that follows, you may discover the fine becomes quite large though.

Southernman

stclair wrote: »

Do you work in lending by any chance :rotfl:

The inbound part of my job i deal with involves the £12.95/£8 charges and removal. Lending probably gets a much tougher time i imagine though, i don't envy them. My role is mainly outbound so it's much nicer and relaxed.