Debt pronWatching TV the other day we caught one of these "Bank of Mummy or the Wife" type shows and we thought, "This is Debt Pron." I.e. peoples financial problems exploited for the voyeuristic pleasure of others. Then we thought, "We bet lots of people on B3ta have massive financial problems. Let's exploit them." So, confess them all. Dodgy credit cards, lending money to some bloke in the pub, visits from the bailiffs, using one card to pay off another. We want to wallow in your fiscal pain. So, what is your biggest money fuck up?
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rob, Thu 23 Nov 2006, 19:50)
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Some light (debt) reliefGod this sounds all Fatherly like advice but...
for all you people continually getting charged for going over your limit there is a loophole somewhere in the banking code that means banks can only ethically charge the customer what is proportionate to their costs. i.e. if you spill over your overdraft, a letter and smacked wrist costs the bank about £14.00. So if you go over your overdraft by £2.50 and they charge you £50.00 thats £33.50 that is pure profit to the bank. I was frequently charged for going over my overdraft limit and thought hey ho, it was only when I found out about this did I chance my arm and get £1,200.00 of previous charges out of the bank for writing a letter. They werent happy about it but I bullsh*tted that I was prepared to take it to a legal stage and they coughed up, they will never take it to court because just imagine how many people would start going through previous statements and charges etc and putting in claims. visit moneysavingexpert.com and go to reclaim bank charges, hopefully a future QOTW will be how I screwed the bank and spent all the money.
(, Fri 24 Nov 2006, 13:53, Reply)
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