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

southernscouser

Graham_Devon wrote: »

You also were warned, when you signed the T&C's. I seem to be saying that over and over again.

I won my bank account when I was 4 years old in a raffle. I didn't agree to be disporportianatly (sp) charged.

COMPLIANCEASSISTANT

I have the RBS's head office address, but unsure who to address it to so that it goes directly to the correct department.

I'm going to send it recorded also so I know it will reach them!

Thanks
Jill x

oldwiring wrote: »

So are modern morals better than the ancient ones?:rotfl: More like modern morals are not morals at all; they're just 'me, me, meisim'!

I didn't say I had a preference :rolleyes:

golddigger wrote: »

Tozer... we won't forget our credit rating - we won't forget our bank balances either. Or our snowballing debt due to charges. Or the £30 to send a letter. Or the £100 charges for an unpaid direct debit due to being overdrawn bacuse of bank charges etc... etc... etc...

Are you sure you don't work for the bank or just a multinational conglomorate sympathiser???:p

OP - great story - made me laugh out loud:D

Well said golddigger!! The OP's story made me hoot with laughter. Its a pity there are those who feel the need to come on these forums and slap our wrists.:rolleyes:

Pam

Taffyfella wrote: »

I didn't say I had a preference :rolleyes:

Well I never would have thought you had, judging from the last para of your ealier post ( :rotfl: )

Graham you seriously need to get out more. Twenty six, self employed and comfortable??? Me thinks your a lonely old man.

, but as it's Easter Day have one on me:beer:

oldwiring wrote: »

Thie quoted post is another example of serious myopia and tunnel vision, that is so prevalent in this part of MSE. Yes you are all perfectly right to claim back what has been unlawfully taken from you, but plain common sense should also tell you all, that the banks will become more fussy in who they take on and may be quicker to dispose of unsatisfactory accounts. If your account after charges have been refunded is still bad and the bank's money ( also other customers' remember:rotfl: , that is some of you are capable of that) then they are perfectly able and right to recover from you and orrate your credit. The bank's are like any other business. Bad xustomers deserve the bums' rush anywhere.

in response to

Quote:
<table border="0" cellpadding="4" cellspacing="0" width="100%"><tbody><tr><td class="alt2" style="border: 1px inset ;">Originally Posted by frugalpam
Well said golddigger!! The OP's story made me hoot with laughter. Its a pity there are those who feel the need to come on these forums and slap our wrists.:rolleyes:

Pam





</td></tr></tbody></table>

I rest my case !! :rotfl: :rotfl:

Pam

Wyndham wrote: »

This is at best far too generalised, and at worst prejudiced! Yes, SOME older people cannot remember numbers, but some younger people have trouble with this as well!

My parents are now both pensioners, and a far way from the image I had of pensioners when I was a child - the world has moved on and it HASN'T left an entire generation behind!

Right - rant over.

We still need cheques now and then (personally I pay my window cleaner that way as he does them when I'm out at work and puts an envelope through the door. I also use them for personal gifts to family for birthdays etc.)

I am a pensioner as well and at moment have no problems with numbers ( though deuteronomy and leviticus are more difficult - (to spell:D )- due to digital dyslexia;) But with em it probably has to do with my havinf worked with numbers all my working life. Abilty to cope depends on things like that and attitude IMO.

Get yourself a 'parachute' account before claiming a second time in case they close your account.

Only problem you might find is that most banks will probably only offer you a basic account - if you've incurred that many charges (lots of missed payments) - so you'd lose out on chequebook/debit card/overdraft etc.

Hope that helps.

Adam,

I work within in a finance department as a Compliance assistant.
I monitor transactions customers make, looking for dodgy activity.
The banks, investment companies, money trsansfer companies and other financial services are doing all that they can to stop fraudsters.
They are spending millions in trying to stop this, WHY???
Because they dont want people stealing from them!!!

In an ideal world, we would all pay what we owe, when we are suppose to and how much we are suppose to, but unfortunately INFLATION constantly occurs and people aren't paid what they need to live. That's a fac of life!
The chancellor of the exchequer over spends - Everyone is gulity of it!
I dont believe people are upset about a small charge for not staying within their limit!!! A fair and the real amount of what it actually costs the bank should be in place. DID YOU KNOW...it actually costs the bank UNDER £2.00 for somebody going overdrawn! How can anyone then justify the bank charging us £30 to £40 for this????
The banks aren't charging us correctly - THEY ARE ROBBING US!!!!

I have heard some horrific charges applied to people I know.

One of my friends went into the bank was encouraged on opening a savings account and instantly set up direct debit without knowing. So, every month she was manually putting money in but being charged for the direct debit which was being returned. Before she realised what was going on, the bank had charged her over £200 in charges. This not being for spending over what she could afford - but for not putting money into her OWN SAVINGS account.
How is that fair?

Another friend of mine gets paid on a friday and has a direct debit go out every friday. Her pay goes in at about mid-day but her direct debit gets taken at about 10am. For this two hour difference. THE BANK CHARGES HER £30 EACH TIME!!!!!
This is disgraceful!!!!!!

We need to, as consumers, stand together and stop this.
Its OK to be charged a small amount of what we default for, but not scandolous amounts!!!!

About charges being applied to accounts which people who dont overspend on - Banks are constantly in competition with one another - There will be plenty who will not do this AND If you stay within your means "as you said you do", you've not really got much to complain about!

Oh, and by the way........Dont be so quick to judge people because you never know what might happen to you.
Alot of people have had bad situations etc which has caused them to default at times.
Dont continue your upward path calling people lazy - you just might meet them on your way down![/b]

adam_NI wrote: »

i would disagree that you've saved me any money on this front!
i've had a bank account with halifax since i was 17, this includes my crazy student years, and i have never been charged! now thanks to what i believe the incorrect 'claiming back of charges', i will be at loss when surely all banks follow suit to First Direct and will introduce a monthly fee!
its just typical of British economics, you work hard and seem to be worst off! i would believe a visit to the cinema is a rip-off, but i dont claim the cost back because i think it was unfair!

the bottom line is this "dont spend beyond your means!". you shouldnt expect the bank to run your account for you, you avail of a free banking service and facilities, the bank is not a charity, therefore if you spend what isnt yours you should be charged!!
there are 1000's of people who pay no attention to their balance, and because of essentially nothing other than lazyness, they continue to receive charges! i certainly agree charges are high, but surely someone else but me can see if you were charged a few times, you'd catch yourself on, manage your money better, rather than continue to ignore the problem!

i would love to hear anyone's comments on this, everyone is entitled to their opinions on any matter! but i dont look forward to my monthly banking charge thanks to all you lazy people!!1

**Board Guide note, another post with other posts merged in it **

Taffyfella

pinkfluff wrote: »

If you can't take it, don't give it :rolleyes:

Best advice you've given yet

Widowmaker_2

IvanOpinion wrote: »

Sure is and once you win this tiny little battle the banks are about to go to town and win the payback war

Ivan

Yep...But I get a holiday to Canada out of it!!:beer:

IvanOpinion

southernscouser wrote: »

I won my bank account when I was 4 years old in a raffle. I didn't agree to be disporportianatly (sp) charged.

That actually raises an interesting thought .. I don't think a minor can enter into a contract butt hen again I don't think a minor gets credit facilities with their account

Ivan

oldwiring

frugalpam wrote: »

Well said golddigger!! The OP's story made me hoot with laughter. Its a pity there are those who feel the need to come on these forums and slap our wrists.:rolleyes:

Pam

Thie quoted post is another example of serious myopia and tunnel vision, that is so prevalent in this part of MSE. Yes you are all perfectly right to claim back what has been unlawfully taken from you, but plain common sense should also tell you all, that the banks will become more fussy in who they take on and may be quicker to dispose of unsatisfactory accounts. If your account after charges have been refunded is still bad and the bank's money ( also other customers' remember:rotfl: , that is some of you are capable of that) then they are perfectly able and right to recover from you and orrate your credit. The bank's are like any other business. Bad xustomers deserve the bums' rush anywhere.

On the matter of the distraint, I wonder how successful it would be in the outcome. There may have been ostensible possesion of the goods selected by the bailiff, but as much business equipment is leased these days, I'd not be sure of any concern's ownership of the ownership of something in its care.

Taffyfella

oldwiring wrote: »

, but as it's Easter Day have one on me:beer:

Cheers :beer:

Wyndham

susank wrote: »

I dont think you can get rid of cheques - older people dont understand plastic and cannot remember numbers and why should they. We will be old at some stage and maybe will not be so easy for us to remember numbers and to keep up with the new technology. We will still need cheques.

This is at best far too generalised, and at worst prejudiced! Yes, SOME older people cannot remember numbers, but some younger people have trouble with this as well!

My parents are now both pensioners, and a far way from the image I had of pensioners when I was a child - the world has moved on and it HASN'T left an entire generation behind!

Right - rant over.

We still need cheques now and then (personally I pay my window cleaner that way as he does them when I'm out at work and puts an envelope through the door. I also use them for personal gifts to family for birthdays etc.)

doitmyself

Oh please let's not talk about checks! You might as well talk about pieces of eight...
There are 2 increasingly clear sides on this issue, it's like a kind of class war.

Claimers, you haven't done anything wrong except, for whatever reason mismanage your finances, and some journos, most prolifically Martin Lewis have encouraged you to reclaim charges you have incurred and the banks 100% are not contesting. Great.

It's not a fait-acompli though, it's a bonus in effect, and the bonusees will all do different things with their windfall. Not all of them will pay back the mums/dads/grandparents/friends who bailed them out last time and many of them, perhaps all of them will be struggling to pay their bills again this time next year.

Zubathestar

Thought I had better have my say

Firstly I have noted that people are using things like the NHS as a way of making those who claim their unfair bank charges back feel I dont know guilty?
Well taking the NHS as an example the reason that health care in this country is going down hill is because the government are spending less money on it and more on social security. Now if you want to complain that the NHS are getting a raw deal then I suggest you complain at all the people who are claiming benefits illegally or unnecessarily. 2004-05 £163billion was spent on social security and only £82bn on health care.

You cannot hold people claiming back their unfair bank charges responsible for the economy. The banks have taken money from people unlawfully and they had no right to do so. This discussion would not be happening now if the banks had only claimed money that was rightfully theirs to claim in the first place.

The banks have been robbing people for years and it is about time someone caught up with them. Barclays recorded record profits just recently now as a Barclays customer is that supposed to make me happy? Knowing full well that they made their money by using my money? I haven't had a bank charge in years but I have always contested any bank charge they have ever given me and they have always refunded the money back into my account, why would they do this if they were acting within their rights? In fact the last bank charge I received was two years or so ago when I got paid via a cheque and it bounced, my employer did a cash transfer that same day but I still got charged £30 when it was completely out of my hands to do anything. The company I worked for is part of the Hilton group, now how can anyone tell me that I could have foreseen a company that big to give me a funny cheque is beyond me. So how anyone can say that you should be able to see when bank charges are looming, when they hand them out for every single mistake, even mistakes that you cannot control.

A nice little example of this is my friend pays everything by direct debit, one month she didn't receive a bill from BT but assumed the bill would be around the usual amount and so left that amount in her account, she went 10p over her limit and was charged £30, she got the money back after I frog marched her down to the bank to demand it, she was more than prepared to let it go because she has always thought that it was law that they take her hard earned money. The letter to say she had been charged arrived two days after she had put the money into her account to stop anymore charges far too late for her to do anything about it, before she got charged.

To solve the problem my bank in another country came up with the idea of automated texts, you get an automatic text the moment you go overdrawn and they charge you the price of a text to do this. This gives you every opportunity to rectify the mistake with the bank before getting charged. The banks over here could do this at little if any expense to themselves, you could then discuss with your bank any difficulties you may be having and come to an agreement before it spirals out of control.

The reason the banks charge these high rates is pretty simple if you are overdrawn or have little money in your account they cannot make any money from you, like others have said the banks use the money in our accounts when lending to others/investing and so on. They unlawfully charge those who cant afford it the most.

I have to say that I really respect Martin lewis for making sure that the people who need to know do know. I know people who cant afford bank charges let alone a PC and so by getting the word out on tv was the best he could have done :money: