Banks win overdraft fees case
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Santander got rid of this!!! and replaced the £35 charge with a £5 a day charge + £25 for going overdrawn!! you get charged for being broke!!!!!
TubeLeeks 9 months ago
the whole point is that they want you to overspend and overdraw or else they would have given you the option of a card that doesn't over draft in the beginning
MrMvt333 1 year ago
@ben9345 Considering they get to create the money they loan out of thin air and 98% of all transactions are electronic today... Nothing.
Or negative sum, to be more precise.
SexyMelon 1 year ago
Yeah but have any of you considered how much it costs the banks to give us all free banking. Its over £100 per person. In other countries you have to pay to have a bank acount nut we all get it free along with free internet banking and call centres as well. How are they supposed to get that money back? Well the way that makes sense is to charge the people costing the banks the most money, people overdrawn.
ben9345 2 years ago
Financial institutions have a moronic practice of processing debits *before* adding in your credits. This makes their accounting practices less favorable for the customer and more profitable for the institution (i.e., increasing the likelihood of an overdraft and thus gaining "free" revenue in the form of an overdraft fee).
Also, unlike a brokerage account where you can get decent interest on parked funds, banks pay a pitiful APR on balances (if anything at all).
gbhobson 2 years ago
it all a ripoff by the banks and the government and now the courts we get fcuked up the ass all the time so the rich get even richer, but dont we own the banks?i dont think so even the house you are paying for you dont own,its all owned by the queen or the crown, same thing if you go over your limit make sure it by a lot more than the charge
combovergi 2 years ago