God damn fvcking RBS

[warped one]

Ok so recently moved banks because the RBS was been shit with me, after nearly getting out of my overdaft (£20 left) they go and fucking stack a shit load of charges on me which I don't realise until 2 weeks later when it is apparently to late, to do anything. Then when I switch banks the drippy little cunts don't release my direct debits until 1week after they go out absolute cunt. So now I have missed a payment on my bike, insurance, phone. And every fvcking thing else along with this apparent charges that I have some how run up, even though I only went over my overdraft ONCE by 1 Fucking PENNY.

Seriously they are such a shit bank, and when you do move they try and fuck you over even more. By making you miss payments on your stuff then, which means I now have a shit load of black marks on my credit report. It is just fvcking wank how they can sdo this to someone, and if it isn't just me that it's happend to then they fucking well should go down the fucking shitter. CUNTS.

A mean what in the holy name of fuck can I do, all those bastards will say is "it's to late to do anything now." How the fuck can I win?

Cheers

Warped
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amnesia - Never in the history of usernames has one been more accurate. Warped indeed. You sir are a fecking oddball.

[instigator]

Yesterday, they phoned me on my mobile:

"Hi, we noticed you had opened up a new cash isa recently and had put in X amount."

"Yes, that's correct."

"Well, I'm just phoning today to see if I can help you transfer some more money into it, as we know all our customers don't have access to online banking."

The cheek. They're desperate for cash.

[Polo]

Most banks will do that. None are fans of people being constantly O/D. They can tell you to pay it back at any point. They will also bounce payments going out if you go out of the buffer zone that is a overdraft too.

At what point would you like them to keep going past your overdraft?

You didn't go over by 1p, did you?

If you really do feel you have been screwed then write and complain and demand your charges back as by applying them for going over by 1p is out of order. I am sure they can apply reason if that really is the case.
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My mum smells your fingers

[G]

Barclays would always apply a charge instantly, which seemed reasonable.

What didn't seem reasonable is that many other banks would wait a while, then apply the charge(s), meaning that unless you're really good at keeping track of it all (which at a guess, the people getting them aren't), you can very easily go overdrawn again, which, oddly enough makes it all rather self-perpetuating.)
I suspect the banks /do/ rather like people being in this situation .

[Tonka]

Dealing with money is always going to be stressful when it's a case of not enough money, but.........

......biting your lip and being polite on the telephone when you've made a mistake and run out tends to be the best way forward. If the O/D has been exceeded it's a computer that rejects the payment as that's the way it works. I've made a couple of mistakes forgetting about cheques and DD's and found that if I 'phoned them and said I was really sorry and it was obvious to them that it was a timing issue they've always returned the charges to me with a 'try not to do it again' speech. The one that always caught me out was having cleared funds in the day before, not on the day.

It's a relationship at the end of the day and you have to work it to your advantage, as difficult as that seems, it's the only way. The person you speak to often has the ability to play by the rules or be pleasant and revoke the charges as a one off favour. If you're grumpy and nasty to them they're only human and it's not going to go your way - your mistake, eat humble pie. You have to be in a position of strength to rant and win!
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'The core of a man's spirit comes from new experiences'
Suzuki SV650S (Clean); Yamaha XT250 Serow (Dirty)

[mooserx]

The bottom line is this;


All the banks are toss. I keep all my money under a rock in my garden.
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TL1000r-handful.

[WildGoose]

[Tonka]

[Jrod]

Well I think it all depends on your local branch. Mine is very small and run by old ladys. I must of had £300+ of charges refunded just by going in and saying sorry I was ill so couldnt get down to pay money in etc etc.

Happily I now manage my finances alot better and having a job really helps.

[Fortuna]

The results of the OFT test case should be concluded this year, with the OFT already successful so far against the banks.
Credit cards should also be currently no more than £12 fee's.

My case I had against Natwest (which I won) was because they wouldn't pay a £20 direct debit and so of course I incurred a fee of £30 (at the time). Won't pay 20 for you but expect you to pay 30.
Because it was a period of unemployment it just snowballed out of control and ended up being well over £1500 in mostly fees.
By the time I took them to court I had sorted the account out, so the money I got back was given to me as a cheque.

[cheesyleps]

[The Disapproving Brit]

There's a certain method to dealing with them. With First Direct years ago I had one payment that took me over my limit, and as said already, they wait a month before applying the charge. Which took me over the limit next month. And the next. And the next. Effectively, I'm paying an extra £25 a month because I went over my limit once.

After about 6 months of this I called them and asked if they could delay the charge by 2 days (charge went out on 21st, I got paid 23rd) so I could break the cycle. They said they couldn't so I instead asked to cancel all my DD's, because I couldn't afford their charges and I'd have to move to another bank. They put me through to customer care, who looked at the account, saw that it was always their charge that took me overdrawn, and refunded all the charges except the original one. That seemed fair enough to me.

The fee schedules are quite clearly set to charge you as much as possible though. Overdraft fees are taken out a month later, so they have a chance to take you overdrawn again and incur another charge. Refused DD charges are taken immediately - i.e. we already know you have no money, so let's see if this £40 charge is enough to take you overdrawn and let us charge you another £25 next month.

The problem is, because of the court case in progress now, banks won't even entertain any claims because they know there's nothing you can do. If you go to the ombudsman, they'll ask for it to be put on hold until the outcome of the case. If you try to go to court, they'll request that the court holds the case until the existing one has completed.
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Current Bikes: 1983 Honda VF400FD / 2003 Honda VT750 Shadow
Bike Test Passed 18/03/09, Car Test Passed 14/05/13

[Moonie]

Going to get flamed for this but it makes me glad I smashed their windows in.
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Don't practice it until you get it right, practice it until you don't get it wrong.
Presenting the one and only Chinkmobile

[m0l0t0v]

RBS and Halifax are wank.

When I get my 140 back I'm moving banks. Utter wankers.
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[Matthie]

[Hetzer]

[Bofh5]

Abbey sucks as well. When i split with the wife i asked them to freeze the account but they wouldnt and allowed her to extend the overdraft take out the money and leave me to carry the can.

I then ran up 150 quid of charges and they wouldnt budge on any so i told them i can reduce my overdraft by 150 or pay you 150.
Can you guess what they went for

Abbey dont want me back in the clear because i'm paying them XX amount each month in overdraft and interest charges. Once i'm back in credit they wont get money each month which adds up over a year to nearly 4000 !
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(L)users...Disk space is to good for them.

Bikes: Honda 50 / CB125-TDC / 93 CBR600 F2 (Stolen & Trashed) / 2001 SP-1 (Sold) / 95 CBR600 F3

[Shaun]

[iooi]

[cheesyleps]

[Moonie]

[iooi]