Good general rule of thumb that one - it's nice to be nice. I have found you nearly always get further when being nicehowardish said:
If only the majority of my customers realised thata1Matt said:
kinda what i was thinking but didn't want to say, management of accounts is key, i used to end up in right financial messes, until i took control and managed my accounts better. never looked back since.if it looks like your going to go into unauthorised overdraft, just up the level.Superman said:If you go over your overdraft limit then you should be charged - simple as.
Sometimes its a mistake or a miscalculation on your side - tough luck.
I've had it, paid it - couldn't be bothered to kick up a fuss - then got it refunded as the bank saw it was something of a one off.
It's in the T&Cs of the accounts so you've agreed to it.
Can't believe people that there might be a chance that people will get their money back.
They are refunding the money because they have lost the first case and are scared now of the hardship cases that can go to court setting a precedent. Thats why they are refunding. they are on the run and holding onto as much money as they can earning as much as they can off of it until the day when they do lose the second stage at which point they know the flood gates will be opened. If they hadn't been so heavy handed and 'pompous' with their ridiculous charges to begin with then they wouldn't have had this problem but money breeds greed and contempt.The matter is that the banks are refunding the money because people are kicking up a fuss and the small amounts mean that is doesn't warrant a legal challenge in each case. So thats why the test case with all the banks together was brought on.
I'll second that !howardish said:If only the majority of my customers realised thata1Matt said: