corsa120
Member
Registered: 4th May 02
Location: Northamptonshire
User status: Offline
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i understand that nath and i do feel for people but if your in work and your circumstances has not changed for you the recession means nothing and you are no better/worse off....
if your living in an overdraft every month your living beyond your means, especially people who live with parents theres no need, the banks are'nt just to blame for the recession, its people who have alot of bad debt to fact is they have overspent whether it be loans/overdrafts/credit cards etc etc, im not saying ojc has this debt but its just my opinion people should sort them selves out.... its far to easy to say theres a recession on and blame that..
all im saying is people need to be BETTER especially if your in work...
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Cavey
Member
Registered: 11th Nov 02
Location: Derby
User status: Offline
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My main objection with it is the fact that they offered this service free or charge, and now because they realised that THEY screwed up, they're moving the goalposts to make a quick buck off the people who have taken their overdraft for granted. Whilst all the time charging £35 for missed payments etc, which cost them practically nothing to rectify. They must of been making a ton of money off people who aren't very organised, or good with money anyway.
I agree people shouldn't have been living in their overdraft, but it's what people were doing because they could.
As I've said, I was only £400 or so over, and that's now cleaered, but what about people who had a student account, got to -£1500, have graduated, and are now going to get charged £30 a month for the privledge of using that service. That's just the banks trying to make an easy buck off people.
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corsa120
Member
Registered: 4th May 02
Location: Northamptonshire
User status: Offline
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yes i do agree cavey no1 is innocent mate specially banks
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Natwest 
I just rang them to double check to see if my wages are about to be paid into my account and they can't see pending payments
HSBC could
Here we go 
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BYRON
Member
Registered: 1st Jun 04
User status: Offline
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I thought account migration was very straight forward these days? Sounds like someone has forgotten to press some buttons. Human intervention fails again.
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Shell
Premium Member
Registered: 14th Oct 08
User status: Offline
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HBOS froze Eck's account because he was 64 PENCE into his overdraft when they decided to remove it.
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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Couple of weeks back I paid £350 into my Halifax account to clear my OD. I won't bank with them again.
Have Natwest gone down the same route?
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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No I'm now with Natwest I am very pleased so far and everything has gone to plan, wages went into Natwest account.
HSBC can suck my balls.
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Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
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HALIFAX are total pricks!!
Third time they have not sent me a letter to pay off my credit card. Phoned them up last week and screamed at them. Got the £12 late payment back and cancelled every single account i have with them.
One letter may get lost in the post but no 3.. I think it's a scam for them to make thousands. Back with Lloyds TSB who i never had any issues with.
Didn't have much in savings but in the past have had 15k in those accounts. Halifax really can fuck off!!
[Edited on 19-12-2009 by Andrew]
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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MP3 recordings of you screaming at Halifax, Andrew?
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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That's nothing, You go into your AGREED OD and you get charged £1 a day with Halifax now 
Corsa 2.0 16v Vegas - Sold
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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quote:
Originally posted by VegasPhil
That's nothing, You go into your AGREED OD and you get charged £1 a day with Halifax now
Hence me paying money into mine to get rid of it. I won't be using Halifax anymore.
They will lose a lot of customers.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Barclays have been good for me since I was however old.
I'm still on a Student Additions account, and graduated in July. It isn't even a Graduate account. Silly arseholes.
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Dom
Member
Registered: 13th Sep 03
User status: Offline
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quote:
Originally posted by deano87
Barclays have been good for me since I was however old.
I'm still on a Student Additions account, and graduated in July. It isn't even a Graduate account. Silly arseholes.
same, had a Barclays account since i was about 10. Only ever had one major issue in the last 14years caused my some northern bint loosing my payment to Barclaycard and it tooks 4weeks to recover it. Although they did cover all interest costs.
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Jules S
Premium Member
Registered: 24th Dec 03
User status: Offline
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quote:
Originally posted by Ojc
No I'm now with Natwest I am very pleased so far and everything has gone to plan, wages went into Natwest account.
HSBC can suck my balls.
IME Natwest are no better than any of the others.
I had (still have an account) with Natwest, they gave me an overdraft which increased over the years, they quite literally gave me the rope to hang myself.
I think the overdraft topped out at about 4k when they dropped all credit facilities (cashpoint only, no debit card etc) All they wanted to know was 'we will lend you the money to pay off your overdraft'
Hell yeah, at circa 2% above what was offered elsewhere*.
And thats the snag...bank lets you get into debt....then you cant get a loan elsewhere because of said debt, so you are ring fenced into your banks get debt free option.
£1 per day being overdrawn is a bit of a joke too (I know it daft financial management if you do this) but banks dont pay you interest for being £2k in credit in you current account.
*FWIW I got a loan from my mortgage provider and I've been in credit with NW ever since.......funnily enough I checked recently about my NW overdraft and its now at £4.5k
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Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
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I agree with Jules all the banks are no better than each other they will help you get into debt but when you need help to get out of it they will shaft you.
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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I can vouch for this also, i've got a managed loan with HSBC (which is about 6 months away from being paid) they give you everything you ask for when you first get a job and have no real experience of managing more money than you've ever had and then let you get yourself into shit so they can loan you up to the hills with a shit rate.
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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true credit is easy to obtain, its temptation that puts people into debt..... its not like they are holding a gun to your head meaking you sign up and spend but we all moan at the implications.
i had shit load of debt and paid loads of interest and the odd charge but it was of my own doing! i paid it all off and didn't do what others do with getting it written off through bankrupcy (sp) like many others but when i look at the money i wasted it does make you think....
on the flip side i bloody enjoyed it!
[Edited on 22-12-2009 by Half Pint]
[Edited on 22-12-2009 by Half Pint]
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saj_123
Member
Registered: 6th Jan 09
Location: Berkshire
User status: Offline
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Err... Thats interesting, i have a 1000 overdraft with HSBC and a credit card, and i am a first year University Student, (didnt even ask for a credit card) Although i am not near my overdraft but i wouldnt want to my account frozen!
[Edited on 30-12-2009 by saj_123]
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