Kilted Ginger wrote:
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Sorry but I cant follow the logic of this (yes I did see the tv prog about it last night.) Yes the bank charges are expensive, its is a fine, its meant to put you off doing it again!
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I didn't see the program last night, so cannot comment on this. You really believe that banks use these charges to put you off from doing it again? You don't think that they would prefer to keep making charges in order to maintain their profits each year?
Also, in the banking code of conduct, it clearly states that charges CANNOT be 'punitive' (which rather makes your statement look silly) - charges MUST represent the manual effort made on behalf of the bank to resolve the situation - i'm no expert but I wouldn't imagine an automated letter costs £35 - maybe you know better than me on this
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to become overdrawn without authorisation is spending someone else's money, Its like going into someones desk at work taking their wallet and helping yourself to THEIR money to pay for your lunch without so much as a by your leave. How happy would you be if I came and lifted money from your purse or wallet without asking??
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Now thats just silly - please let me know if you really need me to explain the difference between bank charges and your example above and I shall do - maybe have a little think first??