D Day for Banks next Wednesday

Discussion in 'Waffle' started by Gloxxy, Nov 19, 2009.

  1. Gloxxy

    Gloxxy I SNORT COAL

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    I hope the OFT win and the banks get shafted. They deserve it, the thieving gypo's.

    I've got a claim on hold at the moment pending this court case. I'll be getting a nice £2,500 if the OFT win.

    Anyone else got a claim on hold?
     
  2. JamesZero

    JamesZero aka Zero Beats

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    I went through this about a year or so ago, maybe a bit longer.

    I managed to get £1100 off them with not much trouble at all. I think the total amount should have been about £1500, but they offered £1100 as a settlement and I couldnt be arsed to take it to court.

    Things seem to be a lot strickter since then tho.

    Good luck with it mate, the banks are thieving cunts!
     
  3. vicious-beats

    vicious-beats Member

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    Aren't they supposed to automatically refund people if this goes through i.e you don't have to chase them for it but will get a nice wee check on the doormat some day, or did I dream that up?
     
  4. Gloxxy

    Gloxxy I SNORT COAL

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    No, that is a definite possibility. All depends on what the court rule though.
     
  5. EWOKS

    EWOKS POTATOES GONNA POTATE

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    my cousin got about a 2 grand settlement, which he neither agreed or disagreed too. and they still paid it in his bank...

    but he didint cancel the court proceedings.. natwest failed to turn up so he got another 2 grand paid into his account.

    was about that, think it was actually about 3,600 althogher cant remember..


    halifax are introducing a new thing.. a pound charge a day for being in your overdraft, and a fiver a day for being over your overdraft..

    other banks to follow. there trying to kill the free overdraft facility because of people just living in their overdrafts (me) ... so if you want an overdraft it gunna start costing a pound a day if your in it....


    harshness..
     
  6. vicious-beats

    vicious-beats Member

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    Been hit with that one already through Alliance & Leicester. Doesn't half make you keep an eye on the old balance. Was only over for one day but it won't be happening again I tells thee.
     
  7. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    i'm hoping for this because i dont have a claim on hold. i did write to the bank about it for me and my girlfriend but they said they deemed the charges appropriate and therefore weren't willing to pay them back.

    i payed 105 pound a month for 7 months at one point. absolute bolox. its a vicious circle of going over and failed direct debits.

    i'll actually be singing and dancing all day if we can get it back. i'm gonna throw a party.
     
  8. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    in fact, to add to that. this is just what the country needs. a little something back from the fat bankers.
    just getting out of this recession, morals been low, people who've been stung with charges will have been the people suffering through these dark times. It'll cheer us all up in time for christmas. woop woop.
     
  9. Gloxxy

    Gloxxy I SNORT COAL

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    Freudian slip by you there Rob? :teeth:
     
  10. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    haha. thanks for pointing that out gloxxy. i'm now going to rape some kids. until i get my charges back :teeth:
     
  11. KEMZ

    KEMZ Blatant Royal Status

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    hmmmm i hope they get fuckin screwed big just like they've screwed every person on the planet since the 1700's when they invented the money scam.
    but, thats unlikely to happen as they hold too much power these days. i hope people do get there charges back, the whole system has been smashing peoples pockets for too long.

    just look at the economic 'crisis' were in now, 100% caused by investment bankers with there derivative bubbles and ponzy schemes. so what do our 'Governemnts' do? we put literally ££ trillions of tax payers money into them to stop them failing because they threatened the governments that we'll go into a 'dark age' and could see extreme 'civil unrest' if they fail. its so obvious the people in control, control the banks which dictate to government. one big fuckin scam. same story in America, Trillions of dollars thrown at the banks which they moved off shore and didnt account for where ANY of it went or WHO got it. 26 trillion dollars and you cant tell us who got any of it? gimme a break

    The world in my opinion, has just witnessed the biggest heist in history done right out in the open wether you believe it or not.
    These bankers are not interested in helping the economy or any type of recovery for that matter, quite the opposite - they want to completely smash every economy to peices so there will never, ever be any kind of recovery possible. this includes removing the Dollar as the world currency by a process of devaluation. all the big players are dumping it already
    Why? so they can introduce a 'new economy' to save us all. a one world currency, headed by a World Bank, which in turn means a Global Government and Army eventually. if you control a countrys economy, you control that country, period.

    Its the likes of Goldman Sachs, JP Morgan & The Rothchild banking familys that make third world countrys possible in the 21st century, and never ended wars. These people are LAND OWNERS, using there banking cartels as means in indebt not only all the nations but every individual as well into perpetual servitude.

    The Rothchild Family have HALF the worlds wealth alone. somewhere around £500 Trillion
    a bit of advise - dont get in debt. dont use credit cards and save up, cos shit is about to hit the fan big.
     
  12. Naib

    Naib Member

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    tbf I hope the banks win.
    Simply because the banks use this as a source of income to "cover the cost of services"

    They still want that money, all they will do is charge EVERYONE to have a bank account. Yes they fucked us all over with their greed, they are still gonna want that money... they are bankers ergo greedy (and incompetent)

    Sorry but wtf should I pay because people cannot adhere to the terms they agreed to when they accepted an overdraft. I am already badgered by the bank every 3months to change my bank account to a "active plus account" where they charge £12 a month FUCK THAT SHIT! (the "services" they offer for this charge are useless to me so I would be getting nothing)

    do you lot want to be charged £12 a month for just having a bank account?
     
    Last edited: Nov 20, 2009
  13. Gloxxy

    Gloxxy I SNORT COAL

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    "Cost of Services"? It costs the bank £2.50 - £4.50 to send out an automated letter with a franked stamp to tell you that you have gone over your overdraft so how is charging up to £39 right in any way, shape or form? It is illegal and shouldn't be tolerated.
    If you took a DVD back to Blockbuster a day or 2 late would you be happy paying a late fee 10 times the price you rented it for?
     
  14. Naib

    Naib Member

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    I am aware of the numbers, I have been following this from the beginning

    Banks charge £39, it costs them (worst-case) £4.50. That is a clear profit of £34.50 per overdraft violation

    Now where do you suppose they are going to get that money if/when it is deemed illegal for them to charge such a fee?

    I will tell you where The rest of us in the for of current account charge

    Answer me this: WTF should I pay because others cannot manage their finances? Banking should NOT be socialised! it goes against the fundamental principals of capitalism.


    I don't want to pay for other ppl inability to manage their finances so if it is a choice between me paying for their fuckups or them paying for their fuckup guess what I am going to pick.

    Now if some other means was found to suppliment the banks for this loss of £34.50 per overdraft violation then fine, but not out of my pocket EVERY FUCKING MONTH!
     
  15. Gloxxy

    Gloxxy I SNORT COAL

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    Banks will not start charging people to use a bank account if they lose. People would not stand for it. I know I wouldn't. I'd rather keep all of my cash on my person than pay a tenner a month for them to hold it.

    The ramifications for banks would be unpalatable if they tried this.
     
  16. Naib

    Naib Member

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    [​IMG]


    http://news.bbc.co.uk/1/hi/business/7969395.stm


    http://news.bbc.co.uk/1/hi/business/7425519.stm
    So I ask again
    WTF should I be charged because others cannot manage their finances?







    And:
    http://news.bbc.co.uk/1/hi/business/7083284.stm


    If all banks bring in current-account charges, where would you switch to?


    If you don't want monthly charges to use your account you better hope the banks win OR some other means to supplement the bank is found, they aint gonna like that nice income






     
  17. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    i can't believe anyone would try and defend them, in all fairness niab, when you don't earn massive amounts of money and have a family to support, yeah it can be hard juggling finances. i'm really glad you don't have that issue.

    Do you know what pisses me off the most, banks can issue you a card where you can't get over drawn. why let you in the first place. because they want you to go over drawn. its like putting sweets in front of a toddler and telling him not to eat em.
     
  18. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    love the way you used highlight 'MAY bring in charges' making your argument nothing more than speculation.
     
  19. Naib

    Naib Member

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    I don't like the charges one bit.
    When I left uni I had £10,000 in loan, £1000 on credit card, £2500 on my overdraft and I was being charged a shitload.

    I don't see wtf I should be charged because others need more money, that is a tax on me.
    I am fully aware the financial difficulties that can exist (I am from some rundown council estate, single parent and all that jaz) so please don't try to play the hardup card on me.

    I am not defending the bank (if you actually read what I have written), I am stating that if the choise is between me being charged (ie the banks lose) or the person that used more then their agreed limit is charged (the banks win) then I will obviously take the option where I don't get charged

    Why don't we all spend 2months in prison, that way those that would have had a big sentence don't get anymore since there is a collective time served


    AS I stated the banks will want this money and they will find a way, they have stated (and are pushing) for current account charged (yes I high-lighted the "maybe" but it is actually happening now!) so we either all get charged or they find a different way.

    I am just say I don't want to be charged for other peoples mistakes
     
  20. rob_del_terror

    rob_del_terror - ̿ ̿'̵͇̿̿з=(•̪●)=ε

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    in all fairness mate, i'd rather you paid my dues, i only have a kids account and its highly likely that i won't pay, or will pay considerably less than you. cheers ears. enjoy.