How about learning about how things work first? You're too narrow-minded. You see bank charge and instantly assume "it must be deserved".
£25 bank charge for 33p over limit
- Thread starter Jon12345
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How about learning about how things work first? You're too narrow-minded. You see bank charge and instantly assume "it must be deserved".
Soldato
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If you don't have the ability to manage your money and not go over the limit, why not get a cash card (like O2) that you top up? It is impossible to go over the limit with those.
Soldato
- Joined
- 28 Nov 2008
- Posts
- 8,725
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Well, it must be.
1) Charges for going into unauthorised overdraft are in his account terms
2) They are in the news every other day
3) He went over his limit
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This.
But on the flip side ocuk is full of students who cant manage their money very well so makes sense
Way to go captain obvious, you've enlightened us all.
No offense but I'm completely with the banks and I'm tired of people moaning when they get charged. Simple. DO NOT GO OVER THE LIMIT IN THE FIRST PLACE. However "ridiculous" £25 may be, the fact is you still went over the limit and merely by providing you an overdraft they are doing you a big favour.
With FD you get a bit of a free buffer so to go over this and get charged is just poor money management.
As a shareholder, you beleive that? Well of course you would.
Explain to me how a charge for a returned Direct Debit, for example, is fair? The bank isn't out of pocket are they?
Idiots? Why idiots? You signed up to the T&C's and you have taken the banks money without prior consent. Of course they should charge you! They're businesses not charities!
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Change banks? Isn't first direct the "internet" bank ?
Go with Natwest, never had an issue with em in 15 years, and ive taken the **** many many times.
Its quite amazing that if you treat them with respect and speak to them, rather than see them as the enemy all the time, what you can actually get.
Go with Natwest, never had an issue with em in 15 years, and ive taken the **** many many times.
Its quite amazing that if you treat them with respect and speak to them, rather than see them as the enemy all the time, what you can actually get.
Wait and see how the bank charges test case goes, the result is supposed to be due by the end of the year, if it goes in favour of the FSA then claim all your charges back, stick two fingers up to First Direct and take your account elsewhere.
Get stuffed you keyboard warrior.
No they are not charity is/has indeed.
Do me a favour and READ some of my sentences again.
Nail+head.
Never had a bank charge, have thousands running through my accounts every month. I stick to the T&C's of the accounts and therefore i do not pay any penalties. Why should anybody be any different?
Plus, without these idiots racking up charges "free" banking would be a thing of the past, i like banking for free.
Picking up on grammar rather than the argument? Sign of someone who realises they are talking rubbish.
What's so hard to understand about a limit? Stay under the limit and everything's okay, go over and incur the fee stated in the T&Cs. I don't think it's right that people get upset 'cos they only went over the limit by a small amount of for a small amount of time. How else could the system be run? A limit of £1000 but only fine when you're £1100 over? That's daft as it just makes the limit £1100.
Sure you may be able to contact the bank and as a sign of good will they will repay the fee.
Sure you may be able to contact the bank and as a sign of good will they will repay the fee.
No, I picked up on it as well, and it wasn't grammar.
So again, go and read the rest of my sentences.