Yeh Nice One Martin .......... Not

madison's_mum

then dont have kids until you can afford them

Please advise how i can send back a 3 yo?!

Everyone's out polishing their halo's tonight!

southernscouser

Nelski wrote:

yeah i get your point ss and im sure for a lot of people the charges have been the straw that broke the camels back - but what i mean by funding your/other peoples debt is that if you have taken an unauthorised overdraft with a company and you have agreed that by doing that you will pay x amount then it doesnt matter where that x amount goes whether its in the pockets of the bosses or the pockets of the savers and investors fact is you agreed to pay it and when it came to the crunch you didnt like it. fair play to you for getting it all back mate you know i support you always have - I am just asking a few questions from the other side thats all - someone will have to pay for this wonderful success and it wont be the banks :sad:

But what I meant is that by not paying by DD then a family who never went overdrawn would now find themselves £18 a month down which would tip them over. It was simply a reply to why people should still use DD's and not cash! Think we've got wires crossed!

As for someone having to pay. Well right now it's those who either aren't very good with money (their own fault I know) or those who are in the most desperate situations. And for the latter thats just plain wrong.

Those with the money are 'getting rich' off those less fortunate than them. Thats my biggest gripe with these 'debates'. Those who run their account perfectly are happy for others to incur unlawful charges because it means they get to keep more of their money. They don't give a stuff about those at the bottom of the ladder. It is just plain selfishness. Now all of a sudden they think it might hit their precious pockets so what do they do? Lash out at those at the bottom and those in debt.

I consider myself to be one of those who now runs their account perfectly so I could argue I'm gonna be affected (if anything happens) but do you know what, ce la vie or whatever the saying is.

Why should those at the bottom have to pay for those at the top? It's sums up everything that stinks about money and peoples modern day attitudes.

Everyone is out for themselves and it's sh!tty! I've been there through my own fault but we all make mistakes. I didn't do it deliberatley. I was just undeducated and naive. But I've learnt the bloody hard way and I wouldn't wish it on anyone.

Maybe it's about time those at the stop started paying for those at the bottom for a change.

krisskross

southernscouser wrote:

Because some people do actually live hand to mouth. They literally don't have spare penny each month and by not paying by direct debit they are now getting charged an extra £3 a month on bills. Lets say you have 6 outgoings on DD's. You now need to find an extra £18 a month! :eek:

£18 a month is a lot better than the £36 (if set at £12) that it would cost to bounce 3 DDs. I have been there SS. I HAVE lived a hand to mouth existence that you couldn't ever envisage. I have gone round the local pubs asking if they want any cleaning done so I could buy dinner. i have had to get rid of the TV because we couldn't afford the license. I have cut up old clothes and turned them into dresses for my daughters. I DO know what poverty is so don't take the high moral ground and suggest we don't know what it is like. BTW I have had just 1 bank charge ever, 22 years ago. I learned my lesson, I was charged more than the DD was for. It has never happened since.

Al_Mac

tesuhoha wrote:

The banks are under scrutiny now and whatever they decide to do, they will receive a lot of criticism. I wonder if this will have any effect.

Yes it will, these charges will be reduced. However with all the layers of financial legislation this government have brought in, the banks will have some justification in fees of one kind or another.

MrsTee_2

reehsetin wrote:

then dont have kids until you can afford them

What a ridiculous comment, if you wait til you can afford them you'd never have them, You can never anticipate just how much your child/children are going to cost, it all depends on what interests/hobbies they have, whether they're ill or disabled and need constant care and treatment, even what school they go to can impact on your fincances.

If you're waiting til you can afford I advise you to get a pet instead.

VeryTrying_2

reehsetin wrote:

£50 as an example, £20 is more than enough to feed your child over 3 days like the poster needed
£20 is one months mobile phone bill, a couple of t-shirts worth
the price of one or two takeouts, i find it hard to believe anyone no matter how much in debt can not keep £20 cash aside to feed your child

I'm sure that to somebody with a £20 monthly phone bill, a couple of £10 t-shirts, and a few take outs each month, then tucking away the odd £20 would be easy. But would it be stretching incredulity too far to point out that not everybody can afford to waste £20 a month on a mobile phone, or to buy £10 t-shirts. And, believe it or not, take outs are a distant memory for some.

Luckily I'm not in that position, but it doesn't mean I deny that some people can be hard up ...... some understanding would be much more welcome than pointing a finger of blame!

Al_Mac

southernscouser wrote:

Maybe it's about time those at the stop started paying for those at the bottom for a change.

Come the revolution brother. Oh we had that in 97 Now it's Animal Farm

southernscouser

Al_Mac wrote:

Would a phone contract or internet connection be a neccesity or a luxury. I've been shot down on this in the past, when I said luxury. So why would you have them, if you are skint

Well after stuff I've read mate I consider a bed and electricity to be a luxury. Someone laughed down their nose at me when I said it but every so often you read something on DFW that makes you think 'f*** me, I've actually got it pretty damn good'!

reehsetin

MrsTee wrote:

What a ridiculous comment, if you wait til you can afford them you'd never have them, You can never anticipate just how much your child/children are going to cost, it all depends on what interests/hobbies they have, whether they're ill or disabled and need constant care and treatment, even what school they go to can impact on your fincances.

If you're waiting til you can afford I advise you to get a pet instead.

how has this arguement changed, my arguement is £20-£50 is all, you can cancel your landline/internet all extras, sell your car, get a higher paying or extra job. sell things on the side, something to raise enough money to have a bit aside to feed your kids in an emergency - how is this sounding insane to people, seems common sense to me

madison's_mum

seems common sense to me

it was all common sense to me too when i was 20, had no debt, no mortgage, no kids & i could spend all my disposable income on whatever i liked. £50? easy. However life has a way of biting u on the !!! so some sympathy if not empathy would be appreciated. Try reading the DFW board & you'll see not everyone is blessed with the ability to use your "common sense" advise, me included.