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Author Topic: bank charges nightmare ?  (Read 5705 times)

bank charges nightmare ?
on: November 25, 2009, 17:31:53 PM
any body heard the news today about bank charges ?  , i for one have a claim in for unfair high charges for being charged at least £35 a time for being overdrawn by less than £2 . one time a direct debit went out a week early and they charged me £96 , this was at a time when i had just come out of hospital and on the sick . i was on £120 a fortnight and was left nearly nothing for food let alone bills
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Re:bank charges nightmare ?
Reply #1 on: November 25, 2009, 17:51:04 PM
yeah it is crap, i was due a decent amount from when I was in college and skint all the time and getting £45+ charges all the time, but it looks like Im not going to get anything out of it. Oh well.
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  • Offline zpyder

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Re:bank charges nightmare ?
Reply #2 on: November 25, 2009, 18:02:48 PM
Did they decide on it yet? In the banks favour?
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bank charges nightmare ?
Reply #3 on: November 25, 2009, 18:31:17 PM
Yep in the banks favour, no suprise there really.
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  • Offline zpyder

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Re:bank charges nightmare ?
Reply #4 on: November 25, 2009, 18:35:08 PM
I wonder if the economy has been in a better state whether it might have been any different. I mean theres no way the banks would have been able to handle paying back all that money they made from their customers without pretty much digging themselves into another hole ><
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bank charges nightmare ?
Reply #5 on: November 25, 2009, 20:04:40 PM
apparently paying back all the charges would have wiped out HBOS.... again....
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Re:bank charges nightmare ?
Reply #6 on: November 25, 2009, 20:24:40 PM
so now the courts are as bent as the mps ?
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Re:bank charges nightmare ?
Reply #7 on: November 25, 2009, 20:50:35 PM
It would have almost certainly been the end of free banking services. Without these charges banks would probably have started charging fees for accounts like most do for premium accounts.

Im missing out on a bit but id rather than than have to pay for my banking.
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Formerly sexytw
bank charges nightmare ?
Reply #8 on: November 25, 2009, 21:00:49 PM
forgot to say above but....


if the bank messed up and you ended up paying fees you shouldnt have then fair enough you deserve your money back...

other than that, if you go overdrawn etc.. then you know youre going to get raped by bank charges etc... and cant really expect to get the money back - tho I don;t blame anyone for trying !
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Re:bank charges nightmare ?
Reply #9 on: November 25, 2009, 21:23:56 PM
but being charged 96 quid for being overdrawn by less than £2 , let alone not my fault cause the direct debit went out a week early . why is this country getting so greedy ?
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bank charges nightmare ?
Reply #10 on: November 25, 2009, 21:26:29 PM
^^^  totally not your fault if the DD went out early !  should have had a refund there


what I meant is, however much of a rip off it is, if its your own fault then you ca;t blame the banks ?
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  • Offline zpyder

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Re:bank charges nightmare ?
Reply #11 on: November 25, 2009, 21:32:17 PM
I thought the whole deal was about it being an usury or something, where the banks fees were unjustifiably high?
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  • Offline Goblin

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bank charges nightmare ?
Reply #12 on: November 25, 2009, 21:48:06 PM
The ruling today said, literally, that bank charges do not have to be fair.
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  • Offline zpyder

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Re:bank charges nightmare ?
Reply #13 on: November 25, 2009, 21:52:24 PM
Aye, I guess at the end of the day its like all services. When you start an account etc you agree to their TOS and so you dont have a leg to stand on.
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bank charges nightmare ?
Reply #14 on: November 25, 2009, 21:54:55 PM
Quote from: Goblin
The ruling today said, literally, that bank charges do not have to be fair.


how much did the banks pay the sup court judges ? , it makes you wonder (house of lords)
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