A post from someone working for a bank

[TonyDorset]

Taken from a message board i frequent.

 

don't go overdrawn, and you won't get charges??????

 

sounds like a free way of banking to me.

 

 

 

and before you start, yes i got stung for £39 for a direct debit that didn't go, but took it on the chin as I fucked up.

 

that's one of the problems with society at the moment, no-one will accept that they are at fault and made a mistake

 

and as you guessed, i work for a bank and have to deal with charge complaints all the time, we have had official advice from head office to handle people trying it on.

 

best advice i would give is the first line of this post

 

[Spiceskull]

It may well be good advice, but is not always practical. Besides, the issue here is not that the charges are applied, but that they are not legal, that they are punitive, that they are unfair. If banks were charging a reasonable cost (50p - £1.50) then this group woould probably have

[TonyDorset]

It may well be good advice, but is not always practical. Besides, the issue here is not that the charges are applied, but that they are not legal, that they are punitive, that they are unfair. If banks were charging a reasonable cost (50p - £1.50) then this group woould probably have

 

Oh i know that and this has been pointed out to him.

 

Were still waiting for his reply to the question of how his bank can justify charging HIM £39 !

[Spiceskull]

Sorry Tony - I replied in haste earlier: I thought that the message was actually from you...but my statement still stands...to your friend.

[agamemnon]

yep its my fault ive gone out of my overdraft at times and also my fault that ive presented cheques on occasion that havent had funds to cover. but then i also accept the fact that i will be charged for this.

what i cant accept is the fact that banks or other types of financial institutions unlawfully charge over the top. since ive been 18 ive presumed that my bank has been allowed by law to charge what they see fit when i screw up and have taken on the chin every time.

now ive found out thay have no right to charge me like this im getting my own back. its as simple as that

[Anonymous]

The problem lies with the amounts banks charge for our errors.

 

They claim they cover our costs, but how can it cost £25 to send a e-mail to tell me that I am 25p over my OD limit?

 

If the banks charged me the actual cost, I'd be happy to accept the charges (probably about £2 at the most).

 

Go on banks, play fair, and stop taking the p*ss...

[intersimi]

I wish the poster would come on here and try and defend their claims.

 

It is like saying, "I am a builder, I know I could do your work for £100 and make a profit, but I am going to charge you £1000. Why don't you just accept you need the work doing and pay me the money, no questions asked."

[TonyDorset]

I wish the poster would come on here and try and defend their claims.

 

It is like saying, "I am a builder, I know I could do your work for £100 and make a profit, but I am going to charge you £1000. Why don't you just accept you need the work doing and pay me the money, no questions asked."

 

He is aware that his words have been posted in this forum. It will be interesting to see if he registers and comes in here to defend his employers!

[Guest Alison82]

Go on banks, play fair, and stop taking the p*ss...

 

Well said

[lyttlewonder]

ok i'v said it before but a £30 fee for a 2p overdrawn account , and i cant go into my local bank to complain as they dont have disabled access i have to phone them at my cost jees

[TonyDorset]

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