Ah yes but did we fall? or was we pushed?. My guess PUSHED most unwillingly.

Did I just get a rap on the knuckles? Sorry Only news is on bbc website. Its a little vague ,waiver to stay but county courts to make their own decision.

Hi, My bank deliberately engineers an overdraft by delaying the processing of payments into my account and applies charges,and has done for many years,how UNFAIR is this. Please review threads in consumer reviews. In the past i stopped short of going to the fsa or fos through embarassment and lack of time. Anyone able to help?

Hi I'm not certain but in order for the waiver to stay in place the agreement was that no substantial changes be made. If the banks alter wording that seems substantial to me as does increased FINES!

Hi, My bank deliberately engineers an overdraft by delaying the processing of payments into my account,and has done for many years, and then they whack on charges how UNFAIR is this. Please review threads in consumer reviews. In the past i stopped short of going to the fsa or fos through embarassment and lack of time. I contacted a service to reclaim but like everyone else thats now on hold. Anyone able to help?

Hi, If you are able to shift accounts make your present bank fully aware and keep complaining about this injustice. It will be like water of a ducks back but makes you feel better. Also make sure you shift any direct debits by notifying both the bank and the company making the request and get this confirmed in writing. Regards Oggyman

Hi Suziwong, We have the same problem, and have for years. Once the bank has you in this position they win every time. You could ring them but my bet is theyll ignore you. Try telling them youll go to the fos. Good luck Keep posting comments. Oggyman

Hi, Have just read thread by suziwong. Sounds like we have a similar problem CYNICAL BIG BROTHER BANKING! Keep on niggling I guess someone will know what to do.

Hi, My bank deliberately forces my account into the red,I put in money and they delay processing so that I incurr charges. On one memorable occassion last year I paid in £900 pounds cash and received a letter stating that even though the account was over £600 pounds in credit the bank would not processs a payment and would also levy a charge. Talk about milking a cash cow. And so I tried to ring them up and how frustrating is that needless to say we didnt get much joy. Over the last few years weve had our card cloned again incurring charges and what a fight to prove negligence.Eventually you lose patience and decide to take the bank to task lets reclaim,our case was days away from a hearing when the waiver came into force. Subsequently the stress of work and debt got to much ,a back injury with strong medication ,depression and drinking eventually led to redundancy. Ok I thought a least were covered on insurance well maybe eventually so we stopped all payments out of our account only to be landed with more charges because the insurance payments didnt arrive! Hey ho ! hardship case does this exist? Not to the banks its purely a case of I'm alright jack tough luck you. And should the OFT case favour the little man what then? The banks still havnt corrected illegalities over credit cards. All I can say is OFT pull your finger out and really show some teeth.