Everyone/anyone can get a suitable overdraft to act as a buffer.
So get a suitable overdraft, as DD stated?
£25 bank charge for 33p over limit
- Thread starter Jon12345
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Everyone/anyone can get a suitable overdraft to act as a buffer.
So get a suitable overdraft, as DD stated?
If you are into the bad practice that you are relying on a month to month salary payment (as i often am as i am financially unstable) then yes, you should safeguard your bad financial practice with an agreed overdraft to cover any potential shortfalls.
balls, £25 for 33p overdrawn u mus be havin a laugh m8.
shareholder in banks, defence of zionists and extreme jews. hmm.
Then you have responsibility for that choice to either not request one, or refuse to pay for the protection an authorised overdraft provides, and instead have to abide by the unauthorised overdraft terms and conditions as outlined by your bank.
I'm not sure how you could possibly consider it to be anything but your responsibility to manage your bank account.
Frankly i dont believe that they said that. If they told you this then a serious complaint has to be made. I think that you must have misunderstood as a bank can always cancel a direct debit, the customer is always in control, thats one of the key features.
Isn't it? Anyone can get a FD account, all FD accounts have a £250 overdraft.
That's not the situation though, as I said, I didn't have any reason to think they were going to DD my account as I was told they couldn't.
As for having an overdraft, you need to try and appreciate a difference of situation, a fair few people don't seem able to do this at all.
Just because you can doesn't mean everyone else can.
Why can't you get an agreed overdraft?
I know I can now, but in the past they've maintained that I wasn't allowed to.
Believe what ever you want, but I know what was said to me.
I'm more than used to being told multiple different things by banks, for example, customer services departments etc, it's not the always the banks themselves but a lot of them have the completely wrong attitude when speaking to customers on the phone.
I've been told on more than one occasion that I can't cancel a direct debit.
As I have already stated, 90% of bank charges I have received have not been within my control and I have been refunded them.
I've noticed a trend of "they get what they can" a good portion of people wouldn't know where to start when it comes to complaining about a bank charge, so they just shut up and let it go.
Some bank charges have been pathetically easy to get refunded which leads me to believe that they do impose them to test the waters, and if the customer doesn't complain, then profit.
At the time, I had ridiculous issues with my bank account.
My account history is fairly positive, I have a good credit rating, or should I say not a bad one? I haven't had any opportunity to make a good credit rating for my self as I have nothing on credit.
My bank has tried to impose some bizarre rules on me, they won't give me a visa DEBIT card, they act like I'm requesting a credit card with a huge limit on it.
I currently do have an overdraft, but again, they said no due to their reasoning that they wouldn't tell me about.
I've since been told that they put a mark next to your account if you regularly pay for things with your card instead of making a withdrawal from an ATM and I think the fact that I'm not on the electoral role is making it even harder to sort it out.
You tell me, I'd get an equally relevant answer.
Why not? It's an offence not to be, AFAIK. And it hurts your credit rating as you are discovering.
You don't have a good credit history, you have no credit history, that would explain some of the issues. To have a good credit history, you have to actually make use of credit...
With regards to Visa Debit, you have you remember that the cards can work both as a live and offline card (think of the offline like a guaranteed cheque without the paper) and you can see why they are often unwilling to issue them to people with no usage history, when they can issue a lesser card that only works as a live card (eg a Visa Electron card) and protect themselves.
The fact that you're not on the electoral roll will also be working against you. All of these are things within your control to correct, and consequences of choices you have made.
With regards to Visa Debit, you have you remember that the cards can work both as a live and offline card (think of the offline like a guaranteed cheque without the paper) and you can see why they are often unwilling to issue them to people with no usage history, when they can issue a lesser card that only works as a live card (eg a Visa Electron card) and protect themselves.
The fact that you're not on the electoral roll will also be working against you. All of these are things within your control to correct, and consequences of choices you have made.
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I agree you shouldnt go over your overdraft, but £25 for 33p is just outrageous.
I changed my current account provider at the start of the credit crunch (been with the old one since I was a kid), it was pretty simple. Just open a new account, fill in two forms obtained from new bank; 1) to instruct my employer to pay salary to new account, 2) to authorise transfer of direct debits from old account to new, close old account once I was confident everything was set up correctly.
I did have two problems however, my employer paid my salary into the new account ok, but paid my expenses into the old account - simple email to payroll sorted this out. One direct debit payment for my home insurance didn't go through either - phoned them up, they just took a double payment next month and my cover was not affected. Neither of these were major issues and wouldn't put me off switching current accounts again.
I didn't choose to not be on the electoral role.
I don't use cheques and never have done, I am aware how my credit rating works, as I stated but you seemed to overlook, I haven't had anything on credit, and I don't have a "bad" rating.
I know people who have just walked in to other banks to set up accounts and been given Visa Debits, some who aren't on the electoral role.
It's only been recently I have become aware I wasn't on the electoral role, I've got my form filled in ready to hand in to the office in the city center when I'm next there.
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I didn't choose to not be on the electoral role.
So why aren't you on it then?
You have no rating, that can be worse than a bad rating because there is no information to assess your risk on at all.
It does depend on the bank, but also on the individual, the electoral roll isn't the only aspect that matters.
Fair enough.
