Originally Posted by leedsmatt7 (Post 2105286)

i'm just gutted cos I was waiting to hear about over a £1000 of my claims :(

Originally Posted by leedsmatt7 (Post 2105286)

If the banks were rich then they'd have been forced to pay back jo-public but now the banks are broke so now dont have to pay. convenient.

(im just gutted cos I was waiting to hear about over a £1000 of my claims :()

Originally Posted by Fizzy Fish (Post 2105297)

+1 :roll:

Their behaviour reminds me of traffic wardens - all about revenue raising. How can you justify taking c.£100 every month off someone with F-all money and then, what a surprise, they go OD again the next month and get charged more, etc etc. It was never about deterring people from going OD - if it had been they would have done helpful things like text you your balance when it gets low, cut you some slack, etc

Originally Posted by timwilky (Post 2105308)

Am I the only one who actually thinks that if people operated their current accounts within the rules then they would not have been charged in the first place.

Of course the banks make money out of all those current accounts that play it fair an stay in the black, but they make more money out of those silly enough to spend more than they have in their accounts.

I wouldn't lend money to people I regard as high risk, so I wouldn't expect my bank to do it either unless there was sufficient financial reward to letting risky customers operate beyond their financial limits.

I have a pre agreed overdraft facility with my bank of £2000. If I should ever need to go into the red, it is simply interest I would pay, not a penalty. Why don't those who need to be regularly overdrawn agree it with their manager first?