A Bankers View, Open Letter To Martin Lewis And His Followers On Bank Charges.

kylieM_2

BANKER_GIRL wrote: »

If you had read back on the thread Kylie, you would see that no, i do not live with Mummy and Daddy, i have a home a mortgage and manage my own money that i earn.
And i am insulting noone. What is insulting about being told what you already have agreed to in you terms and conditions??

Which makes it even worse, you should understand that sometimes you can have a hard time keeping up with your finances and having a £35 charge does not help the situation.

True I shouldn't be calling you names, but you are so moraless it infuriates me

Knightowl

BANKER_GIRL wrote: »

If you had read back on the thread Kylie, you would see that no, i do not live with Mummy and Daddy, i have a home a mortgage and manage my own money that i earn.
And i am insulting noone. What is insulting about being told what you already have agreed to in you terms and conditions??

Banks always manipulate their terms and conditions to INCREASE profit...THE LTSB "paid" for current accounts are good examples.

Those who are brainwashed are always the last to see it, ask anybody who has managed to escape a religous cult...and i sense your brainwashed without knowing hopefully degree hopefully not all 33.

MarkyMarkD

kylieM wrote: »

terms and conditions my bare backside.

justify £56 in charges

A very grown-up and considered post.

I'm not talking about the extent of charges. I'm saying that if you agree with your bank (when you open your account) to fund your account prior to a DD being called, then you should do so. Rog2 didn't.

rog2 wrote:

Why should it be 'End of Story'?

Rog, you breached your account's terms and conditions. The money was there too late. Any other discussion is futile. At the point the bank decided to return the DD, you didn't have the funds. Putting the money in there too late is irrelevant.

Phaelok

'I don't think you understand the misery people feel when they have debts and then the banks taking charges as well especially at the rate they charge it just all adds to their unhappiness.'

I completely agree that bank charges do not help customers at all. However the reponsibility to ensure these transactions are paid on time is down to us, the customer. If bank charges are ever reduced, or even scraped, we have to accept that bank's will charge us for other methods of banking that have previously been free of charge, something which is clearly evident now. And what then? another rebellion? What I fail to understand are people who have successfully claimed back x amount of charges and yet continue to be charged (I am not referring to charges on charges) and expect that to be paid back also. As I have always said, should it not be a case of lesson learnt?

loobylou2

kittiej wrote: »

BG have you looked in the other forums at all.

I don't think you understand the misery people feel when they have debts and then the banks taking charges as well especially at the rate they charge it just all adds to their unhappiness.

I can understand that you get cheesed off with people getting irate with you at work and you have to be pleasant to customers when all you really want to do is tell them where to go.

The thing is this is not the best place to do it, and to be honest part of gaining work experience is knowing when to switch off and just take any insults or customer rants with a pinch of salt.

If you don't want other members to be having a go at you as it were then why not use your experience and offer to help other users on here?

There are many people working in many different professions on here that give good advice so why can't you do the same?

I don't like the way some have berated you but then again I don't agree with what you have to say either, can you not find some common ground?

What do you think?

I just want to say that having seen and read the comments on this thread as they have unfolded over the last few weeks I wholeheartedly agree with this post.

rog2

BANKER GIRL - I have said before that you are entitled to put accross your views on the 'legality' or otherwise of 'Punitive Bank Charges' - by the same token we are also allowed to disagree with the views that you say are yours.
I do not, in all honesty, believe that the views that you are putting forward are, in fact, your own views, formulated out of your own experience of Bank Charges. You are, and not very convincingly I might add, putting accross no more than a 'Company Line'.
You have had very little, if any, experience of Punitive Bank Charges yourself and are totally unable, or unwilling, to appreciate just how these 'charges' can affect ordinary people's lives.
You are so quick to point out that the 'charges' are there as a 'deterant' and only to teach us to manage our money more efficiently, when we should be telling the Banks that it is they who should be managing our money more efficiently. How difficult would it be to build into the 'software' a 24 hour 'hold' mechanism or check 'pending' option before setting into motion an action that will incur charges to the account holder?
Why cannot charges only be levied after a 'human' intervention - the charges are certainly sufficient to cover some form of human input.
Repeatedly, you come on to this forum telling us that we should accept Bank Charges, almost without question, yet no-where have you been able to justify either the need for, or the level of, those charges.
Your posts, also, imply that we should cease all attempts at reclaiming these charges, other than a 'grovelling' phone call to be 'rewarded' with one re-imbursed charge in twelve months, on the condition that we accept all other charges, should we be 'naughty enough' to allow a circumstance that could incurr further charges within the next year. Certainly makes me wonder who is the customer in this?
You have received only limited support, in your thread, by a few other like-minded posters. I must admit that I am surprised that our 'Resident TRoll' has not put in an appearance, today, in support of his new 'best mate' - but then again it is Sunday and he tends to post during working hours (don't know why :rolleyes: ).
You have insulted the intelligence of many Posters, who, until now, have been prepared to wait until the outcome of the 'Test Case', whereas it is obvious that you are not.
If the Banks are so right to impose punitive charges why have they, until now, been so keen to settle, and often for the full amount claimed, out of court?

kylieM_2

I would have no problems with paying reasonable interest on money that I am not agreed to.

Wouldn't this be a sensible solution

inmypocketnottheirs

BANKER_GIRL wrote: »

Well all i can go by is what i have experienced and have been told, I once had a DD to O2 bounce due to not having a extra 8p in my old RBS account to pay it, spoke to the bank and they told be what i have written above, spoke to O2 and they told me that yes, they had sent back the DD as the funds were not available when thier computer attempted to clear it. Since working at another bank i have been told the same thing..the company come to claim the funds on the agreed day, it leaves the account going overdrawn and gets bonced back to you when the originators computer cannot clear the full funds. And from working with DDS every day i can see some companys will clear the funds and others wont, without any intervention from us. If anyone has any queries you can speak to your banks call center and ask to speak to the Periodic Payments department and clarify this, I have friends in this dept who assure me this is the way it works.

I had resolved not respond further to this thread.......

but

The above comment is a complete load of

bo!!0Ckz

Knightowl

Phaelok wrote: »

I completely agree that bank charges do not help customers at all. However the reponsibility to ensure these transactions are paid on time is down to us, the customer. quote]

How in all honesty with a hand on heart can you say this????:mad:

I have been overcharged incorrectly with incorrect/fraudulent DD's being requested.

I have had DD's being requested but only being informed a day or 2 after the request and had not left funds in account as unaware,and been charged.

ARE ANY OF THESE MY FAULT?

My lovely bank told me tough..go claim it from the companies concerned.....:mad:

So I spiralled into debt........all my fault:D

lewt

BANKER_GIRL wrote: »

And i am insulting noone. What is insulting about being told what you already have agreed to in you terms and conditions??

What choice do we have ? we have to have a bank account..