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jizzemm
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« Reply #45 on: November 22, 2009, 12:55:38 PM » |
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How about the greedy people who spent money they didn't have sucked up their medicine instead of whining like little bitches?
+ 1 Awsome, just awsome... I am now ready to face this sunday.. thanks Andrew |
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"I want to talk about my hand, what do you mean I cant talk about my hand, right im going to talk about the fact that I cant talk about my hand"...
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StuartHopkin
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« Reply #46 on: November 22, 2009, 12:56:55 PM » |
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How about the greedy people who spent money they didn't have sucked up their medicine instead of whining like little bitches?
AndrewT for mgod |
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bobAlike
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« Reply #47 on: November 22, 2009, 02:24:47 PM » |
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FML. I've got it all wrong. The banks lent money responsibly and charge fair fees when customers go overdrawn.
I don't mind reasonable debate but if you can't see that the banks are pretty much responsible for the current mess the UK is in then I suppose you also think Gordon is the best PM since Winston.
Still LMAO
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Ah! The element of surprise
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jizzemm
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« Reply #48 on: November 22, 2009, 02:51:55 PM » |
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FML. I've got it all wrong. The banks lent money responsibly and charge fair fees when customers go overdrawn.
I don't mind reasonable debate but if you can't see that the banks are pretty much responsible for the current mess the UK is in then I suppose you also think Gordon is the best PM since Winston.
Still LMAO
since when was this thread about the current mess the uk is in.. Thread title - Not about current economic climate, its about charges, and some people on here dont agree with them getting returned, its pretty much a reasonable debate |
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"I want to talk about my hand, what do you mean I cant talk about my hand, right im going to talk about the fact that I cant talk about my hand"...
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SuperJez
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« Reply #49 on: November 22, 2009, 02:57:32 PM » |
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How about the greedy people who spent money they didn't have sucked up their medicine instead of whining like little bitches?
+1billion - except in exceptional circumstances, or when a payment has been taken out of an account in error nobody should go over their agreed limit. The banks should be able to charge w/ever they like for idiots who do this. I am with Ironside on this one if I have to face a monthly/yearly fee for having a bank account due to idiots who cant handle money. I hate banks and their attitude to customers in general however on this one I am with them, Mon the banks. |
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henrik777
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« Reply #50 on: November 22, 2009, 04:16:58 PM » |
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The bank allows people to go past their limit. They do not need to honour a direct debit or payment (except cheque guarantees).
The banks wanted people to incur charges as they were making billions of pounds in doing so.
If you have no funds they say no to a payment. Oh hang on if they say no they can only charge a failed charge but if they aloow it they can charge daily plus interest until you add in more funds which you probably don't have or it would have been there to start with.
No better than loan sharks.
Sandy
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bobAlike
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« Reply #51 on: November 22, 2009, 04:20:52 PM » |
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How about the greedy people who spent money they didn't have sucked up their medicine instead of whining like little bitches?
+1billion - except in exceptional circumstances, or when a payment has been taken out of an account in error nobody should go over their agreed limit. The banks should be able to charge w/ever they like for idiots who do this. I am with Ironside on this one if I have to face a monthly/yearly fee for having a bank account due to idiots who cant handle money. I hate banks and their attitude to customers in general however on this one I am with them, Mon the banks. This is pure comedy. I don't have an overdraft and it's been longer than I care to remember since I've last been charged a penalty for being overdrawn/bounced check or dd. As a free thinking unselfish man I still think that penalties should be in proportion to the crime/overdraft etc. etc. Each to their own I suppose. |
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Ah! The element of surprise
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Ironside
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« Reply #52 on: November 22, 2009, 04:24:16 PM » |
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The bank allows people to go past their limit. They do not need to honour a direct debit or payment (except cheque guarantees).
The banks wanted people to incur charges as they were making billions of pounds in doing so.
If you have no funds they say no to a payment. Oh hang on if they say no they can only charge a failed charge but if they aloow it they can charge daily plus interest until you add in more funds which you probably don't have or it would have been there to start with.
No better than loan sharks.
Sandy
not really you can ask when setting up an account not to allow you to go over your limit but you wont gte a debit card or a cheque book and they only allow DDs to come out of your account if they are under the amount of your GTD card although the GTD has nothing to do with your DD they will honour all payments upto your GTD untill they withdraw the card from you |
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I am the master of my fate
I am the captain of my soul.
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StuartHopkin
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« Reply #53 on: November 22, 2009, 04:37:30 PM » |
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FML. I've got it all wrong. The banks lent money responsibly and charge fair fees when customers go overdrawn.
I don't mind reasonable debate but if you can't see that the banks are pretty much responsible for the current mess the UK is in then I suppose you also think Gordon is the best PM since Winston.
Still LMAO
But their not are they, the whole thing is caused by people and businesses not being able to understand their own finances and living in a way that meant that small changes sent them busto. The banks didnt prevent it but they arent responsible for people saying I earn £13k, ill get myself £30ks worth of credit card and loan debt and moan that the banks let me! Lol I suppose you also think that Fred Goodwin should give his pension back? |
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gatso
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« Reply #54 on: November 22, 2009, 04:43:29 PM » |
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The bank allows people to go past their limit. They do not need to honour a direct debit or payment (except cheque guarantees).
The banks wanted people to incur charges as they were making billions of pounds in doing so.
If you have no funds they say no to a payment. Oh hang on if they say no they can only charge a failed charge but if they aloow it they can charge daily plus interest until you add in more funds which you probably don't have or it would have been there to start with.
No better than loan sharks.
Sandy
that may all be true but the banks don't make people set up direct debits that they can't afford. it's not like credit was ever hard to get during the period that most of these charges are from. if people really wanted to live beyond their means it was easy enough for absolutely anyone to go out and get a loan/cc rather than going into unauthorised debt and then bitching about being charged an amount that they knew they'd be charged before they did it |
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If you get to the yeasty clunge you've gone too far
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G1BTW
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« Reply #55 on: November 22, 2009, 05:03:45 PM » |
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Loan sharks don't force people to agree to terms that will leave the greedy bastards saddled with disproportionate interest on debts they will have difficulty paying off. For this reason loan sharking should be allowed and any whining bitches who think otherwise should stfu. imo.
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« Last Edit: November 22, 2009, 05:05:37 PM by G1BTW »
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StuartHopkin
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« Reply #56 on: November 22, 2009, 05:09:52 PM » |
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Loan sharks don't force people to agree to terms that will leave the greedy bastards saddled with disproportionate interest on debts they will have difficulty paying off. For this reason loan sharking should be allowed and any whining bitches who think otherwise should stfu. imo.
What? Did you miss the empty tickbox? |
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bobAlike
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« Reply #57 on: November 22, 2009, 05:11:22 PM » |
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FML. I've got it all wrong. The banks lent money responsibly and charge fair fees when customers go overdrawn.
I don't mind reasonable debate but if you can't see that the banks are pretty much responsible for the current mess the UK is in then I suppose you also think Gordon is the best PM since Winston.
Still LMAO
But their not are they, the whole thing is caused by people and businesses not being able to understand their own finances and living in a way that meant that small changes sent them busto. The banks didnt prevent it but they arent responsible for people saying I earn £13k, ill get myself £30ks worth of credit card and loan debt and moan that the banks let me! Lol I suppose you also think that Fred Goodwin should give his pension back? I agree that people should be responsible when borrowing money whether for business or personal gain but I also believe that it is the responsibilty of the Banks to lend money responsibly and not offer deals which entice people to borrow more than they can afford to payback. I think Fred the Shred should keep his pension. RBS are big boys and they knew what they were signing. |
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Ah! The element of surprise
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ScottMGee
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« Reply #58 on: November 22, 2009, 05:31:08 PM » |
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I'm in two minds on the banking charges debate. On one hand its a bit harsh to get hit with £30 in charges for going overdraw once in a while by a tenner, however I had almost no sympathy for people who are permanently incurring charges.
On the banks vs small businesses, small business owners must take some responsibility. Lots of business owners (if not the majority) strip every penny out of the business from day one and never go without in order to build up a cash reserve.
On whose fault is it that the banks are in trouble, well thats simple 1st - the banks, 2nd the regulators and 3rd the government.
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Rockstar
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« Reply #59 on: November 22, 2009, 05:47:02 PM » |
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The misses has a debit card, pays the bills with it,and will spend whats left till computer says no.
Debit cards take whats left in the account so in theory you can only spend what you have,she has occured charges
in 10 of the last 12 months by going od for as little as £3.90.
Somehow she has purchased goods and the transactions have not been registered until 2 weeks later or so,and now the bank has been charging her £30 a time in the last year alone.Havent gone through her records for longer than this yet.
Was under the impression this could not happen with a debit card as all unpaid funds were held anyway?
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"Jimmy White told me the other night he hates name droppers,i had to agree"
Dave Johnson August 2010
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