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Author Topic: Re: @#%^&* ATM FEES!!!!!  (Read 6639 times)
speyeder
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« on: October 28, 2004, 12:09:05 PM »

The other day I went to pick up a pair of pants from the cleaners, and the lady wasn't paying attention and put the claim ticket number into the card machine after she swiped my DEBIT/ CHECK card INSTEAD OF the price of the cleaning. The bank authorizes overdrafts up to $700 for me (so they can charge me $26 for the "FAVOR") and I had a most put the pen to paper whan I realized that I was about to pay $667.70 to have one pair of pants cleaned!! I got on the phone and told the lady from the bank to cancel the authorization and put the cleaning lady on the phone so they could straighten it out. SHe told me she couldn't cancel it without merchant info and stuff. The banks have gotten way out of hand, because they used to NEVER let you go over what your balance was. NOW they say they are doing you a good service by not declining your purchases that exceed your balance, and charging you $26 for each occurrance. Some banks do not even give you the option to remove this overdraft option from your account.  Angry scratch bangh
« Last Edit: November 16, 2004, 10:39:59 PM by speyeder » Logged
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« Reply #1 on: November 15, 2004, 12:03:22 PM »

OH Damn I hate that shit.  I wish the bank would just go to hell!
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« Reply #2 on: November 15, 2004, 03:57:41 PM »

Yeah, banks are ruthless bastards - everything to do with them is set up to screw you over.   Angry

A friend of mine, back in the last really bad recession, lost his job, tried like hell to get another one, but ended up with two part-time jobs that barely kept him and his family afloat.  Anyway, he's in the middle of a cash crisis, pays in a cheque for £40, doesn't realise it's going to take ten days to clear (rip off) because it's a business cheque and, before it cleared, he wrote out a cheque for £30, thinking he'd have £10 left in the bank to stop him going overdrawn.   nope  Nope - he had just given himself an "unauthorised overdraft" whoah for which the bank sent him a shitty letter...costing £30 and a fine of £15.  Course, in the meantime the original cheque cleared and was eaten up by the bank charges and fine, leaving him overdrawn again and...you guessed it - they sent him another shitty letter costing £30, and another £15 fine for taking out an unauthorised overdraft rolleyes  At which point he went ballistic and threw a few fucks into them at branch level Angry  They let him off the second round of charges, but still charged him for the first. 

There's nothing like a good kick in the nuts when you're down, is there? nutkick
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« Reply #3 on: November 19, 2004, 04:19:12 PM »

Yep, everything that banks do are there to screw you over.
One thing I have noticed with my bank is that when I used to be shit with money they would decline payment of ay direct debits I had but if it originated from them (Loan etc.) they would let it just pump up over the overdraft and charge me more on that level, banks are fuckers, plain and simple.
But now I have a decent cash flow and I am sure when I get back from my holiday and start opening the mail I will have a couple of really nice letters from them asking me very politely if I want to "invest" some of my savings into various savings and investment accounts.
Banks don't seem to lose either way, if you are broke they will generally lend you just enough so that you can screw yourself over with repayments etc. and if you do actually have money they are the first to ask you to hand it over to them for safe-keeping in more beneficial accounts to them.
But hey, what can we do about it?
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« Reply #4 on: November 20, 2004, 05:18:53 AM »

Yeah, ain't that the truth - what can you do?  Hide your money under a matress and hope for the best? rolleyes  Another thing they do is - when you haven't got any money and desperately need a loan...they won't give you one, but as soon as you're flush and don't need one...they keep sending you junkmail asking if you want to take out a loan scratch  WTFs that about?

Must admit, I haven't had much trouble with my bank though (NatWest).  Overall I think they've treated me quite well - a few times my wife's forgotten to transfer funds to our current account to cover a larger than usual purchase, and they've let us off the charges.  Also, during the last recession, I went in and said I wanted 12 months free banking for my business account, because it was a hard time financially, and they offer free banking to new businesses for a year, so why not for an established customer needing a break?  They granted it whoah
Plus, another time I needed a £7,000 overdraft limit, and they wanted (as a standard agreement) me to put up my house as security on it.  I argued with the guy that it was our home, and there was no way I wanted to risk losing it on such a small advance of money.  He went off to talk to somebody, came back and agreed to an unsecured overdraft 2thumbs  Good stuff, compared to what some of my friends have to say about their banks.
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« Reply #5 on: November 20, 2004, 07:13:20 PM »

Yeah but that would not have worked over the phone.

The are completely impersonal jerks on the phone.  I n real life however (if they are not behind a counter)  they are timid little shits that you can usually bully your way through.  Going in and talking to manageres is a lot different then trying to plead your case to some faceless paper pusher.

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« Reply #6 on: November 28, 2004, 03:52:15 PM »

Blunt: I hear you with that man.
My bank (Barclays) aren't that bad at all in comparison, when I was about 18-19 I was an irrisponsible little punk and got in a bit of trouble with them but I sorted that out and slowly built from there.
About the loans thing, you're dead right about that as well...when I was in there a few months ago and talking to one of their representatives she asked me if I was interested in a loan and I told her I was ok for the moment but why?
And she told me that I was pre-approved for a 7,000 pound loan!
It's hard to resist it when someone offers you 7K but I managed it, I just don't need it.
So yeah, if you can prove you don't need the money they are more than happy, you tell them you need it and you have NO chance.
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« Reply #7 on: November 28, 2004, 05:06:59 PM »

I think pretty much every working class kid gets into financial troubles between 16 and 20 - I did, especially early on, when I was earning a flat £25 a week.  My parents took £15 of it for keep, and that left me £10 a week to run a motorbike, smoke, drink and impress girlfriends.  Shit, that was a bad time.  And it only got worse when I got a bit older and tried to run a car rolleyes

There were starving Ethiopians that wouldn't have swapped lives with me at that point grin  Still, I suppose it was better than being a spoilt little rich kid...nah, who am I kidding? heh
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« Reply #8 on: January 16, 2005, 03:58:04 PM »

Those must have been very dirty pants.  Shocked

I actually have a good news story from one of the banking institutions - Capital One... credit-card company.

On Tuesday, I transferred money over from my bank account to the card (just the minimum payment). I knew this was at least a three day process, so I wasn't really surprised when I saw, the next day, that they'd charged me £20 for late payment.

I phoned up the company and spoke to some sixteen-year-old 'account manager' (or whatever) and asked him to confirm the charge was for late payment this month. He said it was and so I asked him if he could take a look at which city I'm from.

It took just a second for the name to register and then he said 'ahhh'...

My home city is Carlisle, England, and we had the wettest floods for almost 200 years last weekend. Power was off, at least in my house, for three days.

The guy had refunded the money before I even had a chance to explain (lie) that I would have made the payment in time, if it weren't for God's acting skills.

So, thousands of people may have been without power and some buildings in the city will be uninhabitable for up to a year (the police station, hehe...), but thanks to my home city deciding to twin itself with Atlantis, I saved £20.

Whoop!  bleh
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« Reply #9 on: January 16, 2005, 05:23:27 PM »

Seriously, though. ATM fees. Do you get double charged in England if you withdraw cash from a bank other than your own? I bank with the second biggest bank around here and they don't have as many machines as the Bank of Antichrist (Bank of America). So if I'm stuck and have to withdraw from them. THEY charge me 2 bucks to use their service and then MY bank charges me 2 for NOT using theirs. Assholes.

Also, poor people have been newly screwed because there is now a way to put written checks thru immediatley. Before, You could "float" a check by buying groceries on Friday night, knowing it wouldn't go thru until Monday, when you got paid. No, you shouldn't be doing it, but let's face it.  Shit happens. Now, there's a new way to charge 22 bucks for overdraft.  Angry
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« Reply #10 on: January 16, 2005, 06:42:29 PM »

Ouch whoah  Nope, not that I know of anyway.  A lot of ATMs charge you up to a quid for using them, but the banks say that's because they're privately run by independent companies, and the fee pays for the machine to be refilled, plus the security involved in doing it.

Isn't it great that the banks have finally found a way of immediately cashing cheques, at a time when savings interest rates are the lowest they've ever been?  It always used to be that you paid your money in, it took at least a week to clear, yet if you paid out a cheque the money disappeared from your bank within three days - begging the question 'where was all that money in the meantime?'

Just as well drop your pants and grab you ankles every time you do business with a bank - you're going to get reamed every time, regardless. Angry  I don't begrudge any business making a fair  profit, but banks are greedy, by any definition.
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« Reply #11 on: February 05, 2005, 10:06:56 AM »

Oh, now here's a topic after my own heart...  Angry

All the things you others have said, yes, yes, yes.  Incidentally, Blunt, the bank we don't love is your own friendly NatWest - I think it's a matter of luck which bit of which institution you happen to fall out with, as it can be ANY of them.

A while ago, we had a cheque bounce.  We were amazed, because there should have been plenty in the a/c to cover it.  When we got the extra statement we called for, it turned out to be because the bank had paid out that month's mortgage TWICE.   In the same post, we had two letters.  One was from the mortgage company saying that they'd received an extra payment, and what did we want them to do - in other words, they didn't just squirrel away the extra money, but straight away realized that something was wrong and started to help sort it out.  The other was from the bank, telling us about their fine for the bouncing cheque, and the other one for going over the overdraft limit, and demanding that we put the situation right at once - in other words, they didn't realize, although it was right out of the normal pattern, that there was anything wrong, or try to do anything useful.

Now get this - when we showed them the evidence that THEY had screwed up, all the fines were paid back, we got a letter of grovelling apology, AND a three-foot high flower arrangement.  It would have cost something like £70.  We'd rather have had the money!

By a very odd coincidence, the same month, my mother was checking her bank statement, and found that a large payment had gone out that she knew nothing about.  She followed it up.  It turned out that this was someone else's mortgage.  The bank official she was speaking to on the phone said, 'Oh, well, it's because they have the same surname as you,' and seemed to think that was a good enough explanation.  Oh yes, AND WHAT ARE ACCOUNT NUMBERS FOR?  She wrote in a letter of complaint to head office, and got a grovelling letter of apology and a HUGE basket of fruit, probably about the same value as our flowers.

Both the flowers and the fruit were beautifully wrapped in special decorative paper.  The pattern on the paper is made of 'NatWest - NatWest - NatWest - NatWest' printed over and over again.  This has to mean that they have a whole specialist department geared to schmoozing clients that they have SERIOUSLY offended, doesn't it? - it's a whole bigger thing than the one-off message to Interflora once in a blue moon!
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« Reply #12 on: February 05, 2005, 02:05:11 PM »

 whoah  Holy shit, Joyce - that's awful.

Must admit, since I've been singing their praises here, NatWest have really pissed me off.  Angry When the last comp ended here, Lali (the winner of the gfx comp) said that she didn't have and couldn't get a PayPal account, so she asked if I could send her a banker's draft.  This was before Christmas.  So my wife took all the details into NatWest and asked for one - no problem (after paying £10 ($18)), they said, but you can't just have one to take away with you, we have to send it to you in the post rolleyes  Fair enough, but we had to wait until after Christmas before it arrived... with Lali's name spelt wrong! Angry  Her bank would not accept it if the name was wrongly spelt.

So my wife goes back into the bank, with the original paperwork clearly showing they cocked it up, not us, and they apologised profusely - saying they would sort it out immediately... but we'd have to wait for it to come through the post again.  Last week, it still hadn't arrived, so we chased it up.  They said they had no idea why we hadn't received it yet rolleyes but would ring us back with an update - yesterday.  Nobody rang Angry

Consequently, Lali still doesn't have her prize money Sad - my wife will be going in there again on Monday to kick arse, or whatever meets her foot first  nutkick - and I will never ever offer anybody another banker's draft for as long as I live Cheesy
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Planning is an unnatural process - it is much more fun to do something.  The nicest thing about not planning is that failure comes as a complete surprise, rather than being preceded by a period of worry and depression. [Sir John Harvey-Jones]
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