Bank account which doesn't allow O/D

polymaff

Archi_Bald wrote: »

polymaff, you seem to be determined not to understand that there is a difference between information that everyone can verify, and information that is completely unverifiable. pmduk and I posted the earlier, you posted the latter. None of what pmduk and I have posted is foolishness, ignorance, rudeness or bigotry. It is simple fact, verifiable by everybody, including yourself.

If RBS did indeed charge you £35 simply for going overdrawn, you should be taking this up with them as it is clearly not in line with their published charges, and they would need to correct your charges. What you should not do is claim that they charge £35 when their published rate is £6.

I cannot speak for pmduk or others, but it appears to me you have some sort of a gripe with some companies and you are making generalised claims based on something that apparently happened to you. Your claims about RBS charges in this thread are one such example, your posts elsewhere about Nationwide's systems crashing is another.

As long as you post unverifiable or incorrect information, you need to expect that one or more of the other posters will pick up on it and post correct information.

Even now, you cannot contemplate that you might be wrong. Astonishing! Look, I'm neither your Life Coach nor your Mentor, but here is a hint. There may well be an RBS bank account that charges £6 per Unpaid Item - but that doesn't mean that all RBS bank accounts charge £6 for an Unpaid Item.

As for the NW correspondence, I've stated my experiences - and clearly stated that they were my experiences. You are at liberty to do the same - as many have. The difference is that I accept their word that that is their experience.

You're a net contributor to MSE Archi, and I entered this thread with a recognition of that - but you are not infallible and, this time, you've hit your blind spot. As I said, I'm not your Life Coach so I'm not going to dig you out. It'll be more effective if you do it - and that might well start with a more detailed examination of RBS's bank accounts.

anoncol

polymaff wrote: »

Even now, you cannot contemplate that you might be wrong. Astonishing! Look, I'm neither your Life Coach nor your Mentor, but here is a hint. There may well be an RBS bank account that charges £6 per Unpaid Item - but that doesn't mean that all RBS bank accounts charge £6 for an Unpaid Item.

As for the NW correspondence, I've stated my experiences - and clearly stated that they were my experiences. You are at liberty to do the same - as many have. The difference is that I accept their word that that is their experience.

You're a net contributor to MSE Archi, and I entered this thread with a recognition of that - but you are not infallible and, this time, you've hit your blind spot. As I said, I'm not your Life Coach so I'm not going to dig you out. It'll be more effective if you do it - and that might well start with a more detailed examination of RBS's bank accounts.

As an outsider you come across ruder to be honest. Surely the charges relative to this thread should be for new accounts, not some old account you aren't even willing to say what it is. The relative charges have indeed been backed up, but your haven't.

Archi_Bald

OK, last post from me in response to polymaff's ever more confused ramblings.

polymaff wrote: »

Even now, you cannot contemplate that you might be wrong. Astonishing!

the person who cannot contemplate being wrong is you, polymaff.

polymaff wrote: »

There may well be an RBS bank account that charges £6 per Unpaid Item - but that doesn't mean that all RBS bank accounts charge £6 for an Unpaid Item.

the RBS charges are clearly laid out in their charges document. RBS are not charging a "£35 flat fee" (as you claim) for use of an overdraft, or for an unpaid item.

polymaff

Archi_Bald wrote: »

OK, last post from me in response to polymaff's ever more confused ramblings.

the person who cannot contemplate being wrong is you, polymaff.

the RBS charges are clearly laid out in their charges document. RBS are not charging a "£35 flat fee" (as you claim) for use of an overdraft, or for an unpaid item.

You're still blinkered, Archi. Here is a quote from RBS's website:
:

• An Unpaid Item Fee is charged for each item we returned unpaid. An item (e.g. a Direct Debit) would be returned if the payment could not be met from funds in your account or any unused arranged overdraft facility and we decided at our discretion not to make the payment.
  
  Fee Amount
  £35 per Unpaid Item (subject to a maximum of £140 per day).

You'll see the flaw in your position sooner or later - and if you find it yourself, there's some hope that you'll benefit from it.

Now you're relying more and more on crude insults, let's call a halt to this. Like I said, I'm not your life coach.

anoncol

This life coach stuff is very rude and patronising.

Archi_Bald

Alright, polymaff. It seems you are talking about business accounts, whilst this thread is very clearly about a personal account "for my 17 year old son to learn how to manage his meagre income".

I do not know how it would be helpful in any way to post anything at all about business accounts in response to this. I am not looking for an explanation for you as I would quite likely not understand your rationale.

Archi_Bald

anoncol wrote: »

This life coach stuff is very rude and patronising.

It's best completely ignored as it has nothing to do with the subject of the thread.

polymaff

Archi_Bald wrote: »

Alright, polymaff. It seems you are talking about business accounts, whilst this thread is very clearly about a personal account "for my 17 year old son to learn how to manage his meagre income".

I do not know how it would be helpful in any way to post anything at all about business accounts in response to this. I am not looking for an explanation for you as I would quite likely not understand your rationale.

I guess that your "Alright" is a step in the right direction. From that first word onwards, well, what can I say, other than I have to agree with your final sentence. The other two assertions you make are just incorrect.