Whistleblower - BBC1 Now

bookworm1363

jamfadoya wrote: »

I am studying for the FSA's financial regulations exam at the moment

Having said that, banks are allowed to make a profit from penalty charges (and clearly do) despite what the presenter said. One reason I have heard is for a deterrent - if the charges were set at 38p or whatever it cost the bank then many more people might be happy to go overdrawn.

Absolutely not.

Banks are allowed to recoup their costs and no more than that. Wherever you have gleaned otherwise, you need to go back and re-read it, or to pull up whoever told you this.

I suggest a long and thorough read of Dunlop Pneumatic Tyre Co. Ltd. v. New Garage and Motor Co. Ltd. (1915) before replying. ;-)

BAILIFFCHASER

Hi
booky
How comes your on this forum as well ? Havent moderated you have they ?

pigsmightfly

Thought this programme was great - just shows you what they think of our custom! It's absolutely disgusting what they do! :mad:

adr0ck

chaosfoz666 wrote: »

People need to start asking a simple question when conracted by these people.

1. What is Your FULL name?

If anything happen's then make an official complaint about the person involved.

Also say you want a letter saying what been done.

i always ask for a full name

i am always told that they are not allowed to give out their full names

how do you get round that???

bookworm1363

BAILIFFCHASER wrote: »

Hi
booky
How comes your on this forum as well ? Havent moderated you have they ?

I have been a regular contributor on the bank charges threads for a very long time, long before they had their own bank charges forum set up.

In fact, I took part in the original TMcD programme Martin did back in July.

When CAG took off in such a huge manner, I found myself without the physical time to do both, but still like to have a look when I can.

SpudGunner

jeninbrighton wrote: »

Also - you need to know THREE things to access someone's account... their name, their postcode, and their SORT CODE. You can't just go around looking up people's bank details if you don't know this information. That amateur reporter failed to mention that last night!

Sorry but i have been a branch manager for Barclays for many years and the above is completely wrong.

You need a name and either post code OR Sort code to locate someone. You do not need both without a doubt. Or you can locate them by account number or Barclaycard number.

I am sure what was shown goes on in all the banks to some extent. The bank made huge problems for itself when it re introduced bonuses which directly relate to a product sold. People are naturally going to then try and sell what pays them the biggest bonuses which isnt necessarily the right product for the customer.

Monthly bonuses were introduced before and all sorts of miss-selling went on. Loads of people got sacked and we then changed to half yearly bonuses. these related to your overall performance over a long period.

There is an incredible pressure to hit targets so I can see why some people take the easy option and cheat. You also tend to find lots of backstabbing with staff trying to steal each others sales as well.

BAILIFFCHASER

immoral_angeluk wrote: »

This thread isn't about bailiffs

Hi
i know. I was posting for the other site but bailiffchasing is my main game. They started to mod me and now i am on this site.

Crown

BAILIFFCHASER wrote: »

Hi
i know. I was posting for the other site but bailiffchasing is my main game. They started to mod me and now i am on this site.

I dont want to get of the main topic of the thread but why did they start moderating you?

rog2

adr0ck wrote: »

i always ask for a full name

i am always told that they are not allowed to give out their full names

how do you get round that???

By simply refusing to confirm ANY of your details - they could be calling on a scam line from Nigeria.

I always ask for a UK geographical phone number (NOT 0870) and a VERIFIABLE full name of a person, and will ring them back and will only speak with that person.

It is absolute rubbish for them to say that they can not give you a full name. If the matter were to end up in court, then you would look a bit silly telling the judge that 'John' told you nothing was wrong.

BAILIFFCHASER

Crown wrote: »

I dont want to get of the main topic of the thread but why did they start moderating you?

For this thread and others that related to court action against bailiff companies :

http://www.consumeractiongroup.co.uk/forum/bailiffs/67899-mass-complaint-about-bailiffs.html

http://www.consumeractiongroup.co.uk/forum/general-debt/57289-bailiffchaser-jbw-enforcement-ltd.html

Have a read and leave your comments.