Grrrr Stupid bank!!!

regularsaver1

I wouldn't when the funds should be there a few days in advance of the payment, rather than you paying in the cash later

They could have still charged you £35 for paying your direct debit when the funds were not there

It is not the banks fault the way you are paid - or the direct debit companies . So worth leavings funds in there in advance, rather than later - thats how charges occur

MABLE

EthelBloggs wrote: »

I will

I did it last year and got nearly £2500 out of them, I'm amazed they have the audacity again

I just dont understand why they moved the goalposts this time

You get £2500 from them and then you have the cheek to moan because they bounced a dd because of insufficient funds. Why should they do you any favours. Accept on this occasion you were wrong and let it be a lesson to you.

I dont know these stupid banks!

regularsaver1

Yeah the £35 would have been charges if they had paid it for you and if they hadn't

EthelBloggs

I wouldn't have had the added £23.50 from phone company and I wouldnt have had the charges because they know my financial situation and have always been flexible in the past. I do not understand why they've decided to change things although, fair enough they are perfectly within their rights to do so.

I don't need pompous twits being sarcastic and slapping me on the wrist when they know nothing of my personal circumstances or finances etc.

Put it this way.. that £100 is travel expenses to visit my daughter in hospital 5 times.. so she's going to be the one to suffer most in all this.

MABLE

EthelBloggs wrote: »

I wouldn't have had the added £23.50 from phone company and I wouldnt have had the charges because they know my financial situation and have always been flexible in the past. I do not understand why they've decided to change things although, fair enough they are perfectly within their rights to do so.

I don't need pompous twits being sarcastic and slapping me on the wrist when they know nothing of my personal circumstances or finances etc.

Put it this way.. that £100 is travel expenses to visit my daughter in hospital 5 times.. so she's going to be the one to suffer most in all this.

The facts are you had insufficient funds to meet the dd. You are annoyed because the bank will charge you for returning the unpaid item.
You also say that because of past problems the bank have refunded you charges of £2500. You then say we do not know your personal circumstances but no doubt the bank does and thats why they returned the item. I can quite see why you were able to get all the charges refunded because of your lack of your money management. Also would it not have been politeness to have phoned the bank and advised of them you may have a problem meeting the dd. Sorry but you could have easily avoided all this.

EthelBloggs

If a situation has been so for the past 3 years.. would you anticipate it changing suddenly without warning? that is what has happened here. had I known the bank was going to do this I would have juggled things around a bit so as to accomodate.

as I explained earlier, I'm on a low income, single parent, with a seriously ill child who is in a specialist hospital far from where we live which is why it costs so much to visit her. She is likely to be there for several months yet.

How am I going to explain to her that I can't visit cos I don't have enough money?

my reasns for having the charges which were refunded are not through my own folly, unless you count marrying someone who would later run up tens of thousands of pounds of debt in my name, by forging my signature when I dared to leave him for beating and raping me, folly, perhaps it was.

AndyR_3

You say the bank know about your pay dates. The truth is, they don't know or care. It's not like the olden days where someone reviews your account, remembers that you and your family were loyal customers and decides what to do on that basis. Now a computer makes the decission, unless you're lucky enough to bank with an old fashoned exclusive bank.

You can of course challange the charge, and if it's just one they'll probably refund it. You could probably challange the T-Mobile charge too, on the same grounds and they'll probably refund that too.

If you have a decent credit rating, you could arrange an agreed overdraft to cover you for when you get paid on wierd dates? And if you do get paid on strange dates, maybe you'd be better cancelling the DDs and paying bills by another method?

I genuinly don't mean to sound harsh but DDs aren't suitable for everyone, despite companies telling us they are. The reality is they're beneficial to the companies and the banks and that's why they want everyone to use them.

liz105

Can everyone please just chill, this is turning into an extremely uncomfortable thread to read

MABLE

Money for Direct Debits should be in the account and cleared the working day before the direct debit is taken. Hope this is some help for the future and will stop you getting unfair charges levied on your account.

deliciosa

now now children

don't really understand why you disagree...

its obvious that Ethelbloggs made a mistake by setting up funny dds when she gets paid at weird frequency but she foolishly relied on the bank - and how many of us have fallen into that trap before? I certainly have, so who am I to judge? Remember this forum is about help and not judgement. So she can't manage her money, big deal, 90% of us cant or could not a few months ago thats why we have thousands and tens of thousands of debts in our signatures...

And the banks are not right to charge these ridiculous fees. They were RIGHT returning the unpaid DD but they have acted unlawfully by charging the £35. Come on guys we all know it here... they are soul sucking bawstawrds who try to milk us every time they can.

EthelBloggs, you are obviously having a difficult time and I totally sympathise with you and your kid (hopefully will get better soon!) but please, please, dont rely on the goodwill of banks because you will get burned again. The fact that they have made allowances for you in the past are quite beyond my perception, its unlikely of banks and it was nice while it lasted but now you need to 1.) rectify this situation and b.) take actions that it doesnt happen again.

Write to them, explain the situation and ask them to refund the charge. Then try to leave sufficient funds on your account for emergency cases like this and please, please, do not hope that the bank will be OK about late payments etc.

sorry if I sounded too patronising...

:beer: