Overdrafts / Charges etc.

[Peejous]

FYI (http://news.bbc.co.uk/1/hi/business/7364422.stm)

Im now going to phone the bank and get my £1000 in charges and intrest back.

They wont f*ck with me again, im EVIL! RARRRRR!!!!!! Im a dragon.... :panic:

[Ryan]

i dont have sympathy for people getting charged for getting overdrawn most of the time.

If you dont have the money for something dont buy it. quite a simple way to not have financial problems really.

[Clouds_mate]

Never had a bank charge. Must be shit when your cant manage your own monieeesss :P

[saxoaee]

i dont have sympathy for people getting charged for getting overdrawn most of the time.

If you dont have the money for something dont buy it. quite a simple way to not have financial problems really.

so a mate has never lent you money for a while then you have to pay it back? or even your mum and dad?

[Andy72]

if you read the news properly "Thousands of cases currently on hold in the county courts will be frozen until 22 May, by which time the banks must decide whether they are going to appeal against the ruling."

Any additional High Court hearings after that date may further delay those claims.

[Peejous]

i dont have sympathy for people getting charged for getting overdrawn most of the time.

If you dont have the money for something dont buy it. quite a simple way to not have financial problems really.

It started with my Ex constantly wanting to buy random crap which she didnt pay for she used my card, then i got charged, which ment my wages wouldn't cover bills etc and more charges then it just kept gettin out of hand.

Needless to say I dumper her, and have been in the black ever since. The bank we're charging me £150 every time. You saying thats fair?

[Ryan]

so a mate has never lent you money for a while then you have to pay it back? or even your mum and dad?

before i was earning yes. But that was before i was 16. when i generally didnt spend any money anyway.

Mates i dont borrow money from no, unless its on a night out and theres no cash machine, they get paid back within 24hours.

as per my statmement, dont have the money - dont spend it. Simple really.

[laura_g]

It started with my Ex constantly wanting to buy random crap which she didnt pay for she used my card, then i got charged, which ment my wages wouldn't cover bills etc and more charges then it just kept gettin out of hand.

Needless to say I dumper her, and have been in the black ever since. The bank we're charging me £150 every time. You saying thats fair?

i never lend any money whats mine is mine and whats mikes is ours :D, only messing i went overdrawn before and got charged mega bucks for it, by the way did you slap a ho :p

[Peejous]

if you read the news properly "Thousands of cases currently on hold in the county courts will be frozen until 22 May, by which time the banks must decide whether they are going to appeal against the ruling."

Any additional High Court hearings after that date may further delay those claims.

Mine is still on hold yes, but it doesn't hurt to give them a phone call chasing them up, otherwise you'll get put to the bottom of the pile.

[Peejous]

by the way did you slap a ho :p

nope, slept with her sister...

[saxoaee]

yeh fair enough if its for stupid stuff like for games or stuff you dont really need dont spend it but when your a student and dont have a very good job till you leave college then that becomes very hard

[Ryan]

It started with my Ex constantly wanting to buy random crap which she didnt pay for she used my card, then i got charged, which ment my wages wouldn't cover bills etc and more charges then it just kept gettin out of hand.

Needless to say I dumper her, and have been in the black ever since. The bank we're charging me £150 every time. You saying thats fair?

As per my comments its easy to manage your own finances why i said i dont have sympathy with MOST people, as its usually self inflicted because they cannot engage their brains before buying anything.

[BenHCFC88]

It started with my Ex constantly wanting to buy random crap which she didnt pay for she used my card, then i got charged, which ment my wages wouldn't cover bills etc and more charges then it just kept gettin out of hand.

Needless to say I dumper her, and have been in the black ever since. The bank we're charging me £150 every time. You saying thats fair?

I completely agree mate

I sent them a letter as they had charged me £150 in charges over the past 3 years and some where just going over by a couple of pence, they wack on £30 that my friends is NOT FAIR, will be sending another letter to get my hard earned cash back

[Ryan]

yeh fair enough if its for stupid stuff like for games or stuff you dont really need dont spend it but when your a student and dont have a very good job till you leave college then that becomes very hard

im paying my own way through university so i do know.

BUT as with most students, dont have the money. dont go out on the piss so often. I get tired of people at my uni whinging they have money but they happily go and spend £50 a night on the razz...

[Peejous]

its usually self inflicted because they cannot engage their brains before buying anything.

My ex been a typical example spending money she didnt earn.

[saxoaee]

do you live on campus then ryan?

[saunders]

As per my comments its easy to manage your own finances why i said i dont have sympathy with MOST people, as its usually self inflicted because they cannot engage their brains before buying anything.


I have to agree with Ryans comments, people are jumping on the wagon here. If there is a chance of getting money back fair enough, but who's fault is it in the first place??

[Ryan]

do you live on campus then ryan?

yep, live on campus, and paid for it all.

I took a student loan out and wanged it into my isa as it has a higher rate of interest than the loan lol!
next year i wont be earning the same as i loose my contract with sponsorship deal, which is wy ive been working hard to set up other opportunities to earn myself a decent living.

[Ryan]

I have to agree with Ryans comments, people are jumping on the wagon here. If there is a chance of getting money back fair enough, but who's fault is it in the first place??

yep, when you take out a loan from a bank you pay a percentage rate interest. so effectively as the overdraft is a loan its intrest.

[saxoaee]

well fair enough lol i am just sayin to get to college everyday for me is a 40 mile trip and i work weekends so nothing happening there lol i think i just need a good night out but cant afford has im getting charged more tax everyday

[Ryan]

My ex been a typical example spending money she didnt earn.

why i will never give a partner a card, or access to my bank. my x owed me alot of money but i still wouldnt let her have a card.

[Tupps]

Don't think i've been charged before

Lad who wors in my office claimed just short of £700 back.... wierd how they gave him that yet he still owes 2k credit card to them and has a maxed overdraft now

[craigy_87]

yep, live on campus, and paid for it all.

I took a student loan out and wanged it into my isa as it has a higher rate of interest than the loan lol!
next year i wont be earning the same as i loose my contract with sponsorship deal, which is wy ive been working hard to set up other opportunities to earn myself a decent living.

why the fook didnt i think of that!!!!

[Ryan]

well fair enough lol i am just sayin to get to college everyday for me is a 40 mile trip and i work weekends so nothing happening there lol i think i just need a good night out but cant afford has im getting charged more tax everyday

i live on campus but travel over 300miles a week for training, so its expensive.

Im just careful with money. I used to train in accounts though

[BenHCFC88]

http://www.moneysavingexpert.com/reclaim/bank-charges

This website is brillian and has a guide if anybody is trying to get their bank charges back

This website also gives great advice on credi cards and general saving money tips, you get an email every week with loads of great deals such as cheap flights, products etc

Its a good read www.moneysavingexpert.com

[Ryan]

why the fook didnt i think of that!!!!

lol, should pay for my 3rd year of uni and mean i wont have to work.
so should mean i can work properly hard on getting a decent grade.

[craigy_87]

think i used my first years money to buy a car an insurance :S its all ok now though money is ok but now an again if i earn enough a week they take studen loan off my wages gutted lol

but have been in my overdraft before i'll admit that but it was a student one with no interest attached lol

[saunders]

lol, should pay for my 3rd year of uni and mean i wont have to work.
so should mean i can work properly hard on getting a decent grade.

What are you studying Ryan? I have my final exams in 3 weeks :panic:

[Ryan]

What are you studying Ryan? I have my final exams in 3 weeks :panic:

Sports science at st marys. although once done here i might try and do a masters in physio or do another degree in photography

[saunders]

Sports science at st marys. although once done here i might try and do a masters in physio or do another degree in photography


Cool well good luck mate, sod doing a Masters I want to get back into industry

[Easty-5]

Loans FTW!!

5K loan secured me a nice 106Gti, paid up insurance upfront and a few select mods. Pay it off in 4 years @ £139 a month. Peice of piss to be fair. Work in the Oil industry doing QA/QC so should never be out of a job. All at the tender age of 18. Ahh life is good. Who needs uni etc!? lol

[BenHCFC88]

In my second year at Leeds Met Uni doing business with Human resource managment, doing my assignments now lol got three in for May 8th AHHH and an exam on the 12th :panic::panic::panic:

after that bring on a 5 month summer :drink::drink::drink::drink::drink::drink:

[saunders]

Loans FTW!!

5K loan secured me a nice 106Gti, paid up insurance upfront and a few select mods. Pay it off in 4 years @ £139 a month. Peice of piss to be fair. Work in the Oil industry doing QA/QC so should never be out of a job. All at the tender age of 18. Ahh life is good. Who needs uni etc!? lol

Depends what industry and what sort of maximum salary you want to get really. I want a role as a DBA or a software engineer, which you really need to study. Although I taught myself alot of the stuff.


PL/SQL FTW

anyway lets drop the education hijack

[Ryan]

Who needs uni etc!? lol

me because the job i intend on doing you HAVE to have a degree to do the job

[Easty-5]

Depends what industry and what sort of maximum salary you want to get really. I want a role as a DBA or a software engineer, which you really need to study. Although I taught myself alot of the stuff.


PL/SQL FTW

anyway lets drop the education hijack

There is only one Oil industry lol but lots of different sectors in it. well eventually i'll be hoping to run my own company so the best way to do this i would say is by gaining experience and learn the industry. My work are putting me through a modern apprenticeship so i will have the Quals aswell :)