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

phil4321

krisskross wrote:

I AGREE that the charges are too high but what do we all want the banks to do? Make it a couple of quid for each transgression into unauthorised borrowing? Less than 10 fags or a pint of beer. Is anyone going to take any notice? There HAS to be something that stops people doing it.

I wouldn't mind if the banks only took a couple of pounds from me to cover their costs, as they are meant to do by law, and if they did this on all unauthorised transactions (barclays charge me max 3 times per type of charge) then those who do purposefully abuse the system will still end up paying out £20-£30 a month and those that don't £2-£8 a month and the banks carry on making money from the interest which is legal...
As for stopping people going over their limits...charging them between £30-£200 in a month doesn't seem to be stopping or helping them, so what do you suggest?

krisskross

phil4321 wrote:

As for stopping people going over their limits...charging them between £30-£200 in a month doesn't seem to be stopping or helping them, so what do you suggest?

Close their accounts

phil4321

krisskross wrote:

Close their accounts

Ooh..... you're all heart!!!

Al_Mac

angierey wrote:

firstly, I would know that there was nothing in the bank and would not try to use the card knowing this, I always check whats there before buying with a card.

and secondly the children wouldnt starve, as I have friends and family nearby and can turn to them if this unlikely situation did occur.

Happy that you have friends and family, when you've been around a bit longer, you'll be amazed at how many people complain when their card does get declined.

chrissyfp1 wrote:

If there was nothing in my account i wouldn't be asking them to accept my card. If there was not enough in my account i would expect them to decline the card.

I don't ask them to a take a risk and give me an invisible authorisation zone that i know nothing about and then they charge me £30 for that 'risk' that they have taken. I expect to have my card declined when there isn't enough money in my account to cover the cost of my purchases.

I don't actually agree with the limit they give either, it's just something banks do.

To you both, what do you think the charge should be for declining the card, due to insufficient funds? I know it's only a computer, but the software has to be written and maintained, the computer has to run 24/7. Staff have to be paid to run it and provide 24/7 cover. So a cost in doing what you want, is involved.

Yes angie, we do all agree, we do all think banks are wrong, things should be fairer.

Paul_Varjak

On way to avoid these charges is to arrange an overdraft limit. Even if you never intend use it!

chrissyfp1

Al_Mac wrote:

To you both, what do you think the charge should be for declining the card, due to insufficient funds? I know it's only a computer, but the software has to be written and maintained, the computer has to run 24/7. Staff have to be paid to run it and provide 24/7 cover. So a cost in doing what you want, is involved.

As the staff are there and the pc's are up and running etc to enable the transactions of everyone that has got enough money, i would be happy to pay them anymore money that it cost them to say you've not got enough money, than it costs for them to say yes thats fine you've got enough money. Coz i'm pretty damn sure that theres not a lot of difference, although saying that they do get the fee from the shop taking my card if it's paid. If it's not they get nothing.

Al_Mac

chrissyfp1 wrote:

As the staff are there and the pc's are up and running etc to enable the transactions of everyone that has got enough money, i would be happy to pay them anymore money that it cost them to say you've not got enough money, than it costs for them to say yes thats fine you've got enough money. Coz i'm pretty damn sure that theres not a lot of difference, although saying that they do get the fee from the shop taking my card if it's paid. If it's not they get nothing.

PCs:rotfl: Yes they wouldn't charge you for saying yes, as they do earn money in other ways.

niecsey

Can l ask you WHAT THE HELL YOU COME ON HERE FOR?

Al_Mac

niecsey wrote:

Can l ask you WHAT THE HELL YOU COME ON HERE FOR?

Me? Why?..........................

Jennie_2

niecsey wrote:

Can l ask you WHAT THE HELL YOU COME ON HERE FOR?

Who do you mean niecsey?