Bank withdrew O/D today from us,with no warning, we are almost penniless!

Inactive

Well said bestpud, I totally agree.

dunstonh

What disappoints me is that at 9.47am, the OP posted to acknowledge more posts and have another dig at the ones she didnt like. Yet no indication that she had been on to the phone to the bank to find out what was going on.

If you were truly concerned about things you would have been ringing and finding out at 9.01am seeking a resolution.

MABLE

withabix wrote: »

It amazes me sometimes. My overdraft limit went as high as £3700 (as did my overdraft!) when I was struggling to get out of debt.

I never go in the red now, yet my overdraft limit is STILL £3700. Scary!!

Its only scary if you are foolish using the facility. I have a £10,000 facility and do not find it a problem at all. I very, very rarely need to use it but is there for any emergency.

If I found mine scary I would ask the bank to remove it.

weisskint

oh my dear god, just made my first post on this forum and then decided to browse some of the others - this post has scared me right off!

Am i going to get spoken to like this when i post about my financial problems? - we are all more than aware of where we went wrong to get us into the messes we are in - people come to this website when they are finally trying to get things straight - which can be a very daunting thing to do. Its much easier to keep your head in the sand.

And here you all are hounding these people and scaring them off! I mean yeah you've supplied them with facts that are useful, but a little humility wouldn't go amiss.

bestpud

weisskint wrote: »

oh my dear god, just made my first post on this forum and then decided to browse some of the others - this post has scared me right off!

Am i going to get spoken to like this when i post about my financial problems? - we are all more than aware of where we went wrong to get us into the messes we are in - people come to this website when they are finally trying to get things straight - which can be a very daunting thing to do. Its much easier to keep your head in the sand.

And here you all are hounding these people and scaring them off! I mean yeah you've supplied them with facts that are useful, but a little humanity wouldn't go amiss.

The OP has admitted responsibility while at the same time saying their debt problems were caused by factors outside of their control. THerefore, suggesting they take a more humble approach with the bank is a very good suggestion. The bank are NOT taking food from the OP's children - the OP is and yet they seem unable to accept this point.

I am in debt, as I have said and I can honestly say I've never felt judged or hounded on this site. I have had disagreements however.

I guess you are asking whether people will be honest and point out where they feel people are going wrong? Yes they will - that is the beauty of this site!!! If you want decent and honest feedbakc on your financial issues then you have come to the right place.

If on the other had you want people to agree with everything you say and tell you what you want to hear then, no, this is not the site for you! As in any situation, people have views and they will express them. Some you can dismiss and others may make you wince a little but as they say - truth hurts sometimes!

When people are in debt due to being a bit sloppy with their money then the last thing they need is someone telling them it is not their responsibility and the naughty banks must help them!

So don't be afraid to post if you truly want help and advice to sort your finances out - you will find the vast majority on here are great people. Personalities are different but that's what makes us all unique isn't it? As in real life, just avoid those you find you cannot gel with.

mrsmortenharket

I tend to live by, if you haven't got anything nice to say, then don't say anything at all.

((liv))) hope you are ok my love

Lisa x (MWR)

weisskint

bestpud wrote: »

The OP has admitted responsibility while at the same time saying their debt problems were caused by factors outside of their control. THerefore, suggesting they take a more humble approach with the bank is a very good suggestion. The bank are NOT taking food from the OP's children - the OP is and yet they seem unable to accept this point.

I am in debt, as I have said and I can honestly say I've never felt judged or hounded on this site. I have had disagreements however.

I guess you are asking whether people will be honest and point out where they feel people are going wrong? Yes they will - that is the beauty of this site!!! If you want decent and honest feedbakc on your financial issues then you have come to the right place.

If on the other had you want people to agree with everything you say and tell you what you want to hear then, no, this is not the site for you! As in any situation, people have views and they will express them. Some you can dismiss and others may make you wince a little but as they say - truth hurts sometimes!

When people are in debt due to being a bit sloppy with their money then the last thing they need is someone telling them it is not their responsibility and the naughty banks must help them!

So don't be afraid to post if you truly want help and advice to sort your finances out - you will find the vast majority on here are great people. Personalities are different but that's what makes us all unique isn't it? As in real life, just avoid those you find you cannot gel with.

i'm not suggesting in any way that anything anyone said was incorrect factually, or unhelpful, i was commenting on the way in which the other posters seemed to immedidiatly attack the OP, with very little tact or consideration of thier feelings.

Yes its vital that honest opinions are given, but i think somtimes people forget just how upsetting can be to find yourself in a desperate situation that you have no idea how your going to get out of.

It was clear that the OP was very upset and distressed, and i don't understand why some people find in neccessary to kick people when they are already down.

I think several of the posters on this thread lack basic social interaction skills. It is possible to offer sensible advice, and point out where someone may be at fault, at the same time as being sympathetic and kind.

Inactive

mrsmortenharket wrote: »

I tend to live by, if you haven't got anything nice to say, then don't say anything at all.

Can we assume that would include Banks?..I seem to recall the OP blaming the Bank for " taking food from the kids mouths ".. :rolleyes:

MissKJ

I think every one should draw a line under this one, it is no longer helpful.

The problem is, with computers, that you can type something and it can take a whole different slant in how it is read by the next person. We are here to help and support, and the OP didn't want to be judged, just helped to sort out the issue at the bank. That advise has been given, but lost amongst the upset. It is easy in a perfect world to see what you should do, but not when you are shocked and upset.

The OP should take a deep breath, maybe even write down first what she wants to say, then call the bank and arrange if possible an immedediate re-instatement and also a review appointment at the bank to make sure this problem is resolved long term.

No further judgements should be made about the past.

It is so horrible to worry about money, every effort in the right direction should be encouraged.

Best of luck with it.

amandada

I don't think anyone can blame the OP for being a tad emotive in the OP-when you have the experience that the OP had just had, for most people the immediate response it probably panic, and yes, a parent's first thought is most likely to be "how will i feed the children"
It's easy for us looking in from the outside to be all very calm and collected about the situation, and although sympathy may not be constructive, some empathy would definitely not have gone amiss.

To the OP, I hope you've managed to get a more constructive reply from the bank than your OH received yesterday