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[Le Stu]

Originally Posted by Bigsby

Post from that thread on why they are doing this:

Yeah, I suppose that seems fair enough, and it's ridiculous that we're all using our bank accounts like credit cards, but they're stalling on paying us back the money they owe us according to that site

[Bigsby]

Originally Posted by Le Stu

Yeah, I suppose that seems fair enough, and it's ridiculous that we're all using our bank accounts like credit cards, but they're stalling on paying us back the money they owe us according to that site

Yup, although having never been charged before (well, I can remember a few when I first opened my account in 1994 but I don't suppose there's much I can do about that) I don't see why I should be penalised.

That said, hoping to be overdraft free next month. Still might move account though. In any case, that thread recommends moving account to get the free £5 per month if you pay more than a grand in.

[Le Stu]

Originally Posted by Bigsby

Yup, although having never been charged before (well, I can remember a few when I first opened my account in 1994 but I don't suppose there's much I can do about that) I don't see why I should be penalised.

That said, hoping to be overdraft free next month. Still might move account though. In any case, that thread recommends moving account to get the free £5 per month if you pay more than a grand in.

The other solution is to become a student, but it seems several thousand people just had that bright ideas for other reasons.

[Original Spies]

Bank won't even give me a debit card, nevermind an overdraft. It's like they just don't want my debt. What kind of backwards bank are they running here?

[Le Stu]

Originally Posted by Original Spies

Bank won't even give me a debit card, nevermind an overdraft. It's like they just don't want my debt. What kind of backwards bank are they running here?

A massively insolvent one with shit-thy-pants amounts of derivatives liabilities that they're desperately trying to hide.

[Alkaline]

Originally Posted by Le Stu

A massively insolvent one with shit-thy-pants amounts of derivatives liabilities that they're desperately trying to hide.

What happens if they go the way of the pear?

[Le Stu]

Originally Posted by Alkaline

What happens if they go the way of the pear?

Government default, as they're part owner and also on the hook for FSA guaranteed deposits.

Fun times

[Afro Droid]

Originally Posted by Bigsby

Big thread on this at the Martin Lewis Money Saving Expert forum.

Halifax/ Bank of Scotland: a guide to account changes. - MoneySavingExpert.com Forums

I'm in the midst of reclaiming my charges from Lloyds TSB using the template letters from that site. TSB charge around £25 per day for an unplanned overdraft. Bastards.

[Bigsby]

Originally Posted by Afro Droid

I'm in the midst of reclaiming my charges from Lloyds TSB using the template letters from that site. TSB charge around £25 per day for an unplanned overdraft. Bastards.

Aye, I think those £35 charges I mentioned earlier might have been per day too, fortunately I had a payment go in quickly to cover them otherwise I'd have been in the shit.

Loathe to change bank accounts though, moved from Clydesdale to HBOS a few years ago after getting pissed off with Clydesdale, they say it's easy but it's not, it's a pain in the arse.

[Original Spies]

Never understood why they are being tight with their debit cards. They aren't giving me credit. They are just giving me my money as an electronic entity rather than bits of paper. The cunts.

I could just get a new bank account, but I'm just too darn stubborn, and I intend to win. Once I do eventually win, and get the debit card through the post, I will post it back to them, in a ziplock bag full of shit. Maybe.