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Author Bank Charges...
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
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14th Feb 07 at 13:00   View User's Profile U2U Member Reply With Quote
Yes hsbc is mine also they are wank
K2 GTi
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Registered: 21st Oct 04
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14th Feb 07 at 13:12   View User's Profile U2U Member Reply With Quote
yeah they are... but they're better than lloyds. i get charged £90 a month on bank charges for something coming out of my bank a day before I get paid...
Brett
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Registered: 16th Dec 02
Location: Manchester
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14th Feb 07 at 13:14   View Garage View User's Profile U2U Member Reply With Quote
I love how people call banks wank, yet it's their fault that they go overdrawn and subsequently get charged. People should live within their means and stop complaining

I'm thankful Barclays haven't closed my account before now due to my track record Love em
Marc
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Registered: 11th Aug 02
Location: York
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14th Feb 07 at 13:16   View User's Profile U2U Member Reply With Quote
I don't go over drawn. HSBC are just tossers when you want credit card fraud sorting.
Brett
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Registered: 16th Dec 02
Location: Manchester
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14th Feb 07 at 13:18   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Marc
I don't go over drawn. HSBC are just tossers when you want credit card fraud sorting.


You're a bad creditor, Marc
Marc
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Registered: 11th Aug 02
Location: York
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14th Feb 07 at 13:20   View User's Profile U2U Member Reply With Quote
I am not!!, my credit is
Brett
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Registered: 16th Dec 02
Location: Manchester
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14th Feb 07 at 13:21   View Garage View User's Profile U2U Member Reply With Quote
Mine isn't
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
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14th Feb 07 at 13:21   View User's Profile U2U Member Reply With Quote
Piss off brett they take take take and have shitty rules about not helping you out, they are not flexible at all, whereas I know for a fact halifax are.

If you are mr organised and so pedantic that it's black and white then fair playbut alot of people's brains do not work like that and have different things coming in and out of there accounts month by month that expect/benefit from some level or flexibility
Brett
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Registered: 16th Dec 02
Location: Manchester
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14th Feb 07 at 13:23   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Tom
If you are mr organised and so pedantic that it's black and white then fair playbut alot of people's brains do not work like that and have different things coming in and out of there accounts month by month that expect/benefit from some level or flexibility


There you go, Tom. Admitting you have a problem is the first step
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
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14th Feb 07 at 13:24   View User's Profile U2U Member Reply With Quote
I freely admit i'm nowhere near good with money
Marc
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Registered: 11th Aug 02
Location: York
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14th Feb 07 at 13:24   View User's Profile U2U Member Reply With Quote
Jamie Walby
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Registered: 15th Nov 04
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14th Feb 07 at 13:48   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by loafofbrett
I love how people call banks wank, yet it's their fault that they go overdrawn and subsequently get charged. People should live within their means and stop complaining


At fucking last.

My thoughts exactly.

This is the case I have been arguing in the thread in House Day.
Jamie Walby
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Registered: 15th Nov 04
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14th Feb 07 at 13:50   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Tom
Piss off brett they take take take and have shitty rules about not helping you out, they are not flexible at all, whereas I know for a fact halifax are.

If you are mr organised and so pedantic that it's black and white then fair playbut alot of people's brains do not work like that and have different things coming in and out of there accounts month by month that expect/benefit from some level or flexibility


I have loads of bank accounts with Halifax and I have never had a problem with them.
Dean_W
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Registered: 13th Dec 05
Location: Downham Market, Norfolk
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14th Feb 07 at 13:51   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Jamie Walby
quote:
Originally posted by loafofbrett
I love how people call banks wank, yet it's their fault that they go overdrawn and subsequently get charged. People should live within their means and stop complaining


At fucking last.

My thoughts exactly.

This is the case I have been arguing in the thread in House Day.


Still, the amount they charge you is seen as a penalty charge. Which is ILLEGAL. They are only allowed to recover their costs. I wouldn't mind paying charges if they weren't stupidly high.
Jamie Walby
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Registered: 15th Nov 04
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14th Feb 07 at 13:53   View User's Profile U2U Member Reply With Quote
Pah, I couldnt care less because some birds just fallen off her bike outside and im going to point and laugh
Dean_W
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Registered: 13th Dec 05
Location: Downham Market, Norfolk
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14th Feb 07 at 13:53   View User's Profile U2U Member Reply With Quote
Marc
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Registered: 11th Aug 02
Location: York
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14th Feb 07 at 13:56   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Jamie Walby
Pah, I couldnt care less because some birds just fallen off her bike outside and im going to point and laugh

Pics?
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
14th Feb 07 at 14:14   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Jamie Walby
quote:
Originally posted by Tom
Piss off brett they take take take and have shitty rules about not helping you out, they are not flexible at all, whereas I know for a fact halifax are.

If you are mr organised and so pedantic that it's black and white then fair playbut alot of people's brains do not work like that and have different things coming in and out of there accounts month by month that expect/benefit from some level or flexibility


I have loads of bank accounts with Halifax and I have never had a problem with them.


What is your point, I was saying that halifax are good (my friend works there and they will reverse someones charges if they phone up and explain they cannot afford to pay them for example, hsbc are too rigid and their staff are like robots).
Jamie Walby
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Registered: 15th Nov 04
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14th Feb 07 at 14:14   View User's Profile U2U Member Reply With Quote
I was agreeing with you that Halifax are good. Thats my point.
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
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14th Feb 07 at 14:16   View User's Profile U2U Member Reply With Quote
Oh ok you bitch ass punk mofo
Jamie Walby
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Registered: 15th Nov 04
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14th Feb 07 at 14:18   View User's Profile U2U Member Reply With Quote
Chump
Dione J
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Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
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14th Feb 07 at 14:24   View User's Profile U2U Member Reply With Quote
FFS its simple, don't spend what you dont have.
K2 GTi
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Registered: 21st Oct 04
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14th Feb 07 at 14:39   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by d_jay50
FFS its simple, don't spend what you dont have.


It's not just about spending. Say I have a direct debit come out the day I get paid, and the debit comes out first, they return it and charge £30.
Dione J
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Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
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14th Feb 07 at 14:41   View User's Profile U2U Member Reply With Quote
Change your debits to the day AFTER pay-day then, that's what i've done

Handle your money smarter.
Carl
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Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
14th Feb 07 at 14:42   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by K2 GTi
quote:
Originally posted by d_jay50
FFS its simple, don't spend what you dont have.


It's not just about spending. Say I have a direct debit come out the day I get paid, and the debit comes out first, they return it and charge £30.



they charge you for paying the direct debit then they charge you for being overdrawn usually! %0 quid straight away, happened to me last month, as it was the first time they let me off. That was with abbey, i'd have claimed them back anyway but would have been a ballache.
My girlfriend is shit with money combined with the banks taking the piss she soon racked up 200 quid about a month ago. She's too lazy to claim it back though, im not fucking doing it for her.

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