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  • Just got my dole money and bank taking £20 today and £20 tomorrow out for goin overdrawn.. wankers..

    but spoke to bank and basically explained all i have to live on so theyve reversed charges…

    annoys me when they charge u for goin overdrawn even if its a quid

    Cath,a lot of bank charges are now deemed illegal (extortionate rates ect ect) If its really pissing you off you can claim back any charges you have paid within the last 6 years:),the banks hate this though and if it turns out they owe you loads they may invite you to join another branch once they have paid up,just google for “claim back bank charges” or similar;)

    GoodDoG wrote:
    Cath,a lot of bank charges are now deemed illegal (extortionate rates ect ect) If its really pissing you off you can claim back any charges you have paid within the last 6 years:),the banks hate this though and if it turns out they owe you loads they may invite you to join another branch once they have paid up,just google for “claim back bank charges” or similar;)

    thanks, heard about claiming back charges so think al do that..so skint at the mo…

    i got charged forty quid in halifax and i complained but they didnt wanna hear it!! bastards!

    boothie13 wrote:
    i got charged forty quid in halifax and i complained but they didnt wanna hear it!! bastards!

    same bastard bank as me, tried once to switch to different bank but cant cos of my large overdraft…

    u seen the young ones? like the bit where neil is writing a letter to his bank manager to get more money with a bit of help from vivien it goes like this:

    Quote:
    NEIL: Guys, guys, guys, I think I’ve solved our money problem. I’m writing to my bank manager. See what you think. [he reads from his letter] “Dear Bank Manager.” MIKE: Yeah?
    NEIL: Well, that’s it. I’m quite pleased with it so far, though.
    MIKE: Oh, well, it’s a strong opening, certainly.
    VYVYAN: I don’t like the “Dear”. Sounds a bit too much like, “will you go to bed with me?”
    NEIL: Well spoken, Vyvyan. What do you think instead?
    VYVYAN: Uh, what about…”Darling”?

    • [the guys concur]

    NEIL: [writing] “Darling Bank Manager…” RICK: No, no, no, no, no, not “Bank Manager”, it’s far too crawly bum-lick. Tell it like it is, put, “Fascist Bullyboy”!
    NEIL: “Darling Fascist Bullyboy…”
    MIKE: That’s nice, yes, so far so good. So what do you want to say?
    NEIL: Well, basically, I want to ask him if I can have, like, an extension on my overdraft, but I know there must be a better way of putting it than that.
    MIKE: Well, what about, “Give me some more money”?
    VYVYAN: …”You bastard!”

    • [the guys murmur their agreement]

    NEIL: Don’t you think that’s a bit strong? MIKE: Ah, Neil, people like that respect strength.
    NEIL: Yeah, you’re right. Uh, “Darling Fascist Bullyboy, Give me some more money, you bastard…” Uh… “Love, Neil”.
    VYVYAN: Not “_Love_ Neil”! That sounds far too much like, “Come and get it like a bitch-funky sex machine!”
    NEIL: Yeah, you’re right…Uh, what about, “Yours sincerely”?
    RICK: Oh, come off it, Neil. If you’re going to be that sycophantic, why don’t you go ’round there now and stick your tongue straight down the back of his trousers?
    NEIL: Oh, look, I know, I know, why not, “Boom Shanka”?
    MIKE: That’s hard to tell, Neil. What does it mean?
    NEIL: It means, “May the seed of your loin be fruitful in the belly of your woman.”
    RICK: Ah-ha! And what makes you think your bank manager’s a man?
    NEIL: Uh…His beard.
    MIKE: He’ll never understand “Boom Shanka”, you’ll have to write the whole thing out.
    NEIL: Right, okay, here we go. “Darling Fascist Bullyboy, Give me some more money, you bastard. May the seed of your loin be fruitful in the belly of your woman, Neil.” [he looks pleased]
    RICK: Well, if that doesn’t work, I don’t know what will.

    Here you go

    http://news.bbc.co.uk/1/hi/business/6170209.stm

    Thats all the info on how to do it!

    GoodDoG wrote:
    Cath,a lot of bank charges are now deemed illegal (extortionate rates ect ect) If its really pissing you off you can claim back any charges you have paid within the last 6 years:),the banks hate this though and if it turns out they owe you loads they may invite you to join another branch once they have paid up,just google for “claim back bank charges” or similar;)

    i hate banks … i really really do

    does anyone else get things happening with their pay every month?

    multiple charges have been deemed to be excessive so its worth trying to claim back but as GD says if they bank finds it can no longer make a profit from you they will dump you as a customer…

    the banks business model is based in part around making a profit from these charges – when/if they disappear, its possible that the concept of “free banking when in credit” will also disappear (“free” current accounts aren’t common in countries other than the UK)

    http://money.guardian.co.uk/saving/banks/story/0,,2016695,00.html

    I suspect the “easy credit” which funds a lot of rigs/holidays/new toys for people could soon be on the way out as well…

    does anyone else get things happening with their pay every month?

    more likely to be your employers or their payroll providers (this job is often outsourced) cocking up their calculations – the bank will only pay into your account the amount the “BACS tape” (these days an encrypted data file) generated by payroll system tells it to..

    cathdreadhead wrote:
    Just got my dole money and bank taking £20 today and £20 tomorrow out for goin overdrawn.. wankers..

    but spoke to bank and basically explained all i have to live on so theyve reversed charges…

    annoys me when they charge u for goin overdrawn even if its a quid

    ring 0845 080 1800 its the financial obudsmans service ( http://www.financial-ombudsman.org.uk/ ) they regulate the banks behaviour they said on t.v there getting hundreds of calls a week..

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Forums Life Money I hate banks