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

upthewall_2

Graham_Devon wrote: »

I'm not insulting you. I know of no bank which clears cheques on a saturday due to the whole infrastructure having to work on a saturday for them to be able to clear cheques. In house cheques may clear on a saturday, but those would usually clear overnight anyway.

I have no need to think out of my own little box. This is how it works. You cannot clear a cheque for 2 days, actually have it cleared for it to bounce.

It either clears, or it bounces. There is no other way for it to happen. One or the other has to happen.

The only case I can see here is should the cheque have been a fraudulent one. I.e. a cheque has been given from the account without consent, in which case the account holder could possibly reclaim the money.

If this was the case, i.e fraudulent, it would take a lot longer than a couple of days (including weekend!) for the cheque monies to be given back to the originators account.

Graham, just one more thing, I used to work for HSBC, this is not the bank in question!!! However our policy was if a cheque was paid in on, i.e a Wednesday, it would clear on a Saturday, however Hsbc could still return the cheque unpaid up to 10 days later, hence the phonecall to customer services to confirm the cheque had cleared and could not be returned.

The cheque was not fraudulent, when it was returned to us through the post the reason given was "stopped".

My bank did charge me for this and I have the statements to prove it:p

Anyone who has had a similar experience please share it, I cannot be the only one.

Please, please, please, look at everyones situation, not everyone has abused the banking system, I am claiming back my bank charges, and currently not using the account, so as not to accrue anymore charges. I work, my H works and we pay our debts. It is not fair that we are so quickly shot down, because the banks profit from our misfortune. If the bank was to charge me, even a tenner for going overdrawn or bouncing a cheque, then I would be happy with that, But £39 per transaction and £28 for going overdrawn is unfair and for a lot of people the difference between eating that week and not!!!

Thanks for this site Martin:money: :A

lea2001gb

I wasn't irresponsible at all. I get paid on the 15th of every month. My company didn't pay me on time as some banking system they had went down. They paid all my direct debit charges but unfortunately my cheques bounced and was charged £39 per cheque. Irresponsible is yourself who believes you are whiter than white. Cast the first stone and all that. And no I am not claiming back thousands and I refuse to move banks because of my works error. I would suggest some people take a look at themselves and realise that sometimes these things happen but people like you are always quick to slate everyone when you have no idea what is happening. This has something to do with getting your facts right. And the fact is bank charges are unlawful so get used to it. You will be on the bank wagon with everyone else when your bank decides to charge you for something that is not your fault.

lea2001gb

well said upthewall. I agree that a charge should probably be in place but and the banks justify charging £39 for a small £1 over the overdraft limit. I don't think so. Do you read all the T&C's Graham_Devon because I am sure you do not, so please don't preach to us to do it. There is always someone who will try and fight a losing battle whilst keeping their halo in place!!

Graham_Devon

lea2001gb wrote: »

I wasn't irresponsible at all. I get paid on the 15th of every month. My company didn't pay me on time as some banking system they had went down. They paid all my direct debit charges but unfortunately my cheques bounced and was charged £39 per cheque. Irresponsible is yourself who believes you are whiter than white. Cast the first stone and all that. And no I am not claiming back thousands and I refuse to move banks because of my works error. I would suggest some people take a look at themselves and realise that sometimes these things happen but people like you are always quick to slate everyone when you have no idea what is happening. This has something to do with getting your facts right. And the fact is bank charges are unlawful so get used to it. You will be on the bank wagon with everyone else when your bank decides to charge you for something that is not your fault.

The banks will not charge me. I have said on this thread, or another one, I take time out to pay all my bills manually, not via direct debit. Therefore, apart from a couple of transactions, no one can take money from me unless I manually pay it.

The sole reason I do this is to stop the charges from happening via automatic debits.

Its very simple and an extremely simple and viable solution to stop charges. Yet everyone seems to want to carry on with direct debits.

I'm not whiter than white, I chose to work this way, and it works, as I'm in control of my finances at all times. I could chooose direct debits, but then im not in control, and I want to be in control to stop a mess.

Graham_Devon

lea2001gb wrote: »

well said upthewall. I agree that a charge should probably be in place but and the banks justify charging £39 for a small £1 over the overdraft limit. I don't think so. Do you read all the T&C's Graham_Devon because I am sure you do not, so please don't preach to us to do it. There is always someone who will try and fight a losing battle whilst keeping their halo in place!!

Your missing the point to suit yourself.

You have an overdraft I assume? The reason for an overdraft is to stop this happening. It is money lent to you by the bank for going over a nil balance. (So that DD's can be paid without charges incurring and you can access an emergency fund)

If you go over the nil balance into a negative balance, it's time to think, if you continue to go further into nil and then go over the overdraft balance, then it's time to be charged.

If you can't get an overdraft it's because you don't have any credit history, or don't have a good relationship with the bank.

The overdraft limit is in place to stop you going into large debts. If they stop the charges, whats to stop you going into a large debt to the bank? Your already living beyond your means if your going over your already in place, overdraft limit.

I would understand and be behind all this if people didnt have the opportunity of overdrafts. But as we do, apart from extreme circumstances, there really is no excuse for racking up thousands in bank charges.

I've tried to enter discussion, but again, all im getting is stuff about my halo and being whiter than white. I have tried to offer advice on paying manually instead of automatically (you WILL NOT get charged this way!!! SIMPLE!!!). But no one takes any notice, no one seems to be willing to look after themselves in this way.

As for fighting a losing battle, I'm not, and I'm certainly not on my own, hence this thread with so many replies, adn threads in disgust over reclaiming bank charges on other boards. I'm just entering with a handful of people against hundreds who have a differing opinion.

michael1983l

Graham_Devon wrote: »

Oh right, so it's silly of us to ask that people are more responsible with our money and we should have to move elsewhere and face the hassle because people (like yourself) has been irresponsible....which you would have to be to be claiming that many thousands back in charges!!!

everything is abviously so black and white isnt it. I havnt had a charge for ages and i only picked them up when going through education when i couldnt really aford to live. The person who tends to pay the 28 quid charge tends to not be able to afford it in the first place sending them into a downward spiral. All the while you are reaping the benafits from somebody elses demise indirectly with free banking.

Why should banking be free, is your accomendation free, is your food free, is the dentists free. No they are not, would you expect a student to pay your rent for you, if not why would you expect them to pay for your banking.

Anyway my banking is still free even though some peoples isnt, all you need to do is run a good account.

upthewall_2

Graham_Devon wrote: »

The banks will not charge me. I have said on this thread, or another one, I take time out to pay all my bills manually, not via direct debit. Therefore, apart from a couple of transactions, no one can take money from me unless I manually pay it.

The sole reason I do this is to stop the charges from happening via automatic debits.

Its very simple and an extremely simple and viable solution to stop charges. Yet everyone seems to want to carry on with direct debits.

I'm not whiter than white, I chose to work this way, and it works, as I'm in control of my finances at all times. I could chooose direct debits, but then im not in control, and I want to be in control to stop a mess.

We can all be in control of our finances, but it only takes one hiccup i.e a cheque bouncing or salary not paid on time and we can all fall onto the downward spiral.

Unfortunately we all don't have as much time as you seem to, to pay our bills or read all of the T&C's. I work, have 3 kids and oh! A LIFE!;).

I can't believe how people like you are so quick to put people down!! Good luck to you, I hope you never go through what so many of us have to.

michael1983l

Graham_Devon wrote: »

LOL so I suddenly don't have a life because I pay my bills manually!? It takes about 10 mins a week and I save myself a fortune in charges!

Uh huh, ok!

get used to it mate, you now have to pay for your banking, they have been providing the service to you free for years whilst people like me have been paying for the privilidge.

Now you have to pay for it so what nothing in life comes for free, do yourself a favour and pay £1000 pound a month or over into the account then you wont get charges. Its irresponsible to have left school so early and end up being on so low pay.......


how does that feel


that is in escence what you have been saying to everyone else

upthewall_2

Graham_Devon wrote: »

LOL so I suddenly don't have a life because I pay my bills manually!? It takes about 10 mins a week and I save myself a fortune in charges!

Uh huh, ok!

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

I paid my bills manually, I have 1 dd for my mortgage and the rest are paid manually, I agree it is the best way to go, but look what happened to me eh:rolleyes:

It's a beautiful easter saturday and you are still here fighting a losing battle, so as far as having a life goes.....well?

I'm off down the park with my kids.

pinkfluff_2

upthewall wrote: »

It's a beautiful easter saturday and you are still here fighting a losing battle, so as far as having a life goes.....well?

That would actually be my fault

I was at his house all last week and as he's self employed, he didn't get any work done due to me wanting to go out.

People need to get their facts straight before opening their mouths