It's not their money either?
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Another way of removing individual responsibility.
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Yes, when it bears no relation to the cost incurred by the bank.
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When they charge you £10 a day & £30 for each and every letter they send it is.
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No..... it's a form of stealing really isn't it ... if you have a reserve fund it is pre-planned... but taking without permission... costs..
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Try asking your bank to remove your overdraft and to refuse any payments that do not have the funds to cover... See what happens
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Or is it their money? Have the banks all paid the taxpayer back yet for bailing them all out???
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Banks are not wrong but they could handle this better. Bottom line is they hate personal current accounts but have to accommodate them.
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Depends, if DD is £30 and available funds £25, yes charging £25 is a bit rich. Should be a % of excess until it reaches a cap of say £20.
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But we've got to protect the stupid people out there.
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1) it is our money x 2, 1) its customer's capital 2) its tax payers money 3) banks charged us interest to borrow to bail them out.
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Damn right they are , if we refused to put our money in when there's good times , they wouldn't have it when we need their help in the bad
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If you put your money into a bank or legally becomes their money
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Some banks wait until you are near your overdraft limit to apply their charges, causing an exceed for which additional charges apply. Crafty
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Are banks wrong to ask for big bailout fees for unauthorised overdrafts or when iffy finance products go bad -It's not their money,after all
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Simple solution is for banks to refuse ANY unauthorised overdraw. I'm sure that would please people. People's sense of entitlement...
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