No payout for me then (banks win case)

http://news.bbc.co.uk/1/hi/business/8376906.stm

Bums. Was due a grand or more if this had gone the other way.

I notice that all the way though this the fucking fuckers continued to charge the massively overinflated rates too. I got caught out a couple of months back with some bills coming out the day before my rent went in and they charged me £75 for going over my overdraft limit for one day (£25 per transaction). They also returned a credit card payment for which they charged seperately (plus a got a fine from the credit card people) all because my pay date moves around in the month and for the first time in a year I got the dates wrong and slipped up for 24 hours.

My credit rating got fucked up as a result and I subsequently got declined for a mortgage based on it.

Fucking fucking fuckers.

Martin Lewis'll be in bits!

Cunts. I was due £7k. Fuck them all.

"Deluge of litigation" - much like the deluge of unwanted bollocks from banks that finds its' way through my letterbox on a daily basis.

I'll set up my own bank. Guaranteed returns etc

If I've not mentioned it before, cunts.

Martin Lewis'll be in bits!

Martin Lewis'll have to close his website! He was all but guaranteeing a win. Oops.

Banks = nasty fuckers. Fact.

That sucks, I managed to get £500 back from Abbey in 2007 re: charges.

Banks sucks, so glad I don't work for them anymore

Ah Man! I had 'saved-up' enough charges to get a sweet baby blue fixie if this had gone the other way.

Letter bomb it is, then.

Ah Man! I had 'saved-up' enough charges to get a sweet baby blue fixie if this had gone the other way.

Letter bomb it is, then.

a sweet baby blue letter bomb?

HSBC are charging me roughly £150 a month at the moment. I applied for a loan to clear my debt (including one credit card as well). The monthly loan repayment was £99 and they declined my application based on that fact that i couldn't afford it. Utter, utter cunts of the highest degree. They all deserve to burn and die.

I'm owed £400 or so (for going £13 over an overdraft, not noticing and it spiraling upwards over three weeks) as mentioned above the case is still open, but it's a big blow.

"Fairness" isat the very centre of all of this. Has some coffin-dodger in the House of Lords received a large paper envelope stuffed with used fifties?

Saucy cunts.

Fuck 'em - I'm going to set up my own bank. A few shrewd investments here and there should see savers looked after and as long as I get policy correct and "fair" then all those other prunts can go to the wall.

They even manage to get funded twice - not only are they able to spunk all the money they earn from unfair charges, but we bail them out too!

Like I say, saucy cunts.

how exactly are these overdraft charges unfair? they're there in black and white in the documentation you were given when you opened the account.

controversial

live within your means. pay no charges.

......waiting......

Hamster and Kipsey are you my mum and dad?

probably

i can remember when you HAD to pay to have a credit card

now credit cards give me money for nothing (AMEX is the best)

It's a question of fair and reasonable. A charge for a unauthorised overdraft is fair but at what level the charge should be is the question.

live within your means. pay no charges.

lol

It's fair to charge, but then to charge on top of that charge and then a daily percentage of both charges, with another charge for being charged, etc.

Some people will be forced into a trapped situation where they can no longer pay the charges and could have started the borrowing process well before the new charges were laid out in front of them (often tempted by an introductory offer).

But I agree, living within your means would be ace, I fail at this.

how exactly are these overdraft charges unfair? they're there in black and white in the documentation you were given when you opened the account.

Wonderful. Lord Phillips is here.

it used to be called the 'never never', as in never finish payin' the fecker orf.

I had an email through late last night saying that natwest were slashing there charges on my account. I thought this was a sign that it was going to go the other way. I hope they dont put them back up again now.