2.61 overdrawn = 39£ in fees

[Badgi]

They're usually quite fair and it does state in the T&C's (legally binding) that they will charge you for this, that and the other.

Anywho, usually if you phone up and rant on that it's an excessive amount to charge for so little, they will prob wipe it, but be polite.

Had a similar with online banking, said that I was overdrawn even though my online statement said I wasn't because I placed the money in that day but still got charged, had a rant how they need to change the way they display things, blah blah blah, was polite all the time and they said they'd waive the fee.

 

[Makhaira]

Learn to budget.

 

[shauncr91]

Why not just check your banking online? I check mine every day or two just to ensure all is well and I'm not overdrawn or something similar, takes all of 30seconds

 

[masterchiefx2]

i use onluine banking but takes a while to update

 

[Vonhelmet]

That's a waste of £35 a year then, I get £500 for no fee and I've gone into it once...

Not really. If the poop hits the propeller and I lose my job or who knows what, I can borrow £3.5k with trivial ease at a miniscule interest rate where I'd otherwise have to use a credit card or take out a loan at a less favourable rate.

 

[Janesy B]

Not really. If the poop hits the propeller and I lose my job or the roof comes in or who knows what, I can borrow £3.5k with trivial ease at a miniscule interest rate where I'd otherwise have to use a credit card or take out a loan at a less favourable rate.

I wouldn't like to do it that way, I'd rather have savings as a buffer...

 

[AJK]

i have an overdaft but its maxed out already, i maxed it the day i got it

Ah. Suspect you're quite a bit less likely to get sympathy from the bank if you already owe them however many hundred pounds worth of overdraft... I think the financial management advice is worth heeding in this case!

 

[Kingy]

It's banking's version of Darwinism.

We can more easily identify those who are too stupid to realise that they are incapable of either:-

Earning more.
Spending less.
Contingency planning by getting a larger overdraft and not 'maxxin' it out.

The consequences benefit us all. The offenders starve because they can no longer afford to buy food, and those that survive, out themselves by whinging and attempting to shift blame that lies squarely at their own door & we then know who to shoot.

Natural selection.

 

[silvercut]

the £ at the back is not retarded, it is ingenious.

 

[masterchiefx2]

It's banking's version of Darwinism.



Natural selection.

i naturally select to eat a danish pastery

 

[Burnsy2023]

the £ at the back is not retarded, it is ingenious.

That would be perfectly correct if it was the complete opposite.

 

[Wizzfizz]

Not really. If the poop hits the propeller and I lose my job or who knows what, I can borrow £3.5k with trivial ease at a miniscule interest rate where I'd otherwise have to use a credit card or take out a loan at a less favourable rate.

Or if you're really smart you put money away each week/month for a rainy day.

 

[Destination]

My bank texts me when I am close to the limit.
I can ring them up and arrange an extesion of overdraft over the phone, and actually can ring the branch!

 

[Fenris]

You agreed to the charges when you signed up for the account.

Saying "But I didn't know I was overdrawn for 2 days!" doesn't make it any better, it's your money after all, meaning it is your responsibility to know where it is and how much is left of it.

 

[Kingy]

the £ at the back is not retarded, it is ingenious.

wrong 

–adjective
1. not in accordance with what is morally right or good: a wrong deed.
2. deviating from truth or fact; erroneous: a wrong answer.
3. not correct in action, judgment, opinion, method, etc., as a person; in error: You are wrong to blame him.
4. not proper or usual; not in accordance with requirements or recommended practice: the wrong way to hold a golf club.
5. out of order; awry; amiss: Something is wrong with the machine.
6. not suitable or appropriate: He always says the wrong thing.
7. (of clothing) that should be worn or kept inward or under: You're wearing the sweater wrong side out.

 

[masterchiefx2]

You agreed to the charges when you signed up for the account.

Saying "But I didn't know I was overdrawn for 2 days!" doesn't make it any better, it's your money after all, meaning it is your responsibility to know where it is and how much is left of it.

actually by tommorow it will be 5 days

 

[Kingy]

i naturally select to eat a danish pastery

No results found for pastery:
Did you mean pastry?
Dictionary:
plastery

paster

Lastery

mastery

pastern

pasters

pasture

piastre

Postero

pasteur

psaltery

pasturer

pastier

piaster

paste

 

[MikeHunt79]

lol i can only imagine what will happen if im given access to a credit card.

by the sounds of it that won't be anytime soon

 

[Fenris]

One thing I've always hated is people who live in their overdrafts. Sort your bloody finances out then and only then can complain.

Whilst working within the RBS group I've seen people sitting at 4K overdrawn for years, don't they realise they have to pay that back?

 

[Vonhelmet]

Or if you're really smart you put money away each week/month for a rainy day.

You say that as though I'm not doing that too. You also assume you could have enough savings for all occasions. I'm just covering myself in multiple ways.