Hello
I must say I really don't know what the big deal is here. Yes I work at a bank (*ducks to avoid rotten tomatoes), but i didn't always. I've been a student, had all sorts of 'orrible low paid jobs, am not particularly financially minded and have NEVER had a bank charge. Why not try reading statements now and again, is it really so difficult? Why not try saving up for things, instead of putting everything on credit? It seems to me that these days people want everything right NOW, at NO COST, with no responsibility or strings attached. Try acting responsibly, instead of like a bunch of spoilt kids. I concede there are times when accidents do happen, mistakes get made and direct debits sometimes get taken early. However, i would argue this is the exception rather than the rule.
Apart from which:
1. The old argument about unreasonable fees never washes with me. For a start, you could say that about all sorts of costs. Fries from McDonalds cost pence to make, how DARE they charge 2 quid for them etc etc Also, banks are a business, not a charity. You don't get charged for debit cards, printed statements etc. All of these cost money, running accounts costs money, that's life. Of course banks make loads of money, but that's capitalism for ya, get in the real world.
2. If fees were low, people would abuse the facility and start going well overdrawn all the time. It's supposed to be a deterant! Imagine if fees were low; no doubt you'd then all be moaning its the banks fault that you go so massively overdrawn because there would be no deterant not to!
3. All these moans about getting charged for going 50p overdrawn. I remember when my old bank introduced a 'buffer zone'. You could go overdrawn by £10 and they'd let you off. Maybe they still have it, i don't know. So do people use the buffer zone as it was intended? No, they see it as a free tenner, use it up, go more overdrawn and moan when they get charged!
Honestly people, take a step back and sort yourselves out, and take some responsibility for your actions. Seems to me that the culture these days is 'it's always someone elses fault but mine'. You people are like those folks who sue councils if there kids get injured falling off a swing in a local park. Sheesh...
Rant over. Feel free to rant back all you like, i'm thick skinned!