Word up bitches
So my bank wrote me a letter saying "ha! We've taken all your money and not going to give any of it back" Whoever was fucking bitching about a 30 quid charge can ram it up their fucking japseye whilst I ram a fucking cactus up your fucking whining ass. I've got almost 400 quid charges for what started out as me going over by about 50 quid, then because they charged me I went over by more so they charged me again etc etc etc

What moaning has annoyed you recently? Saying this post will result in me shoving various household objects in various orafices. And more swearing. Clungemonkeys
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 8:44, 27 replies, latest was 16 years ago)

Morning fucknuckle.
I've recently been annoyed by fucking unstable software. Why does Notepad++ insist on crashing when I'm designing a fucking huge form? *grinds teeth*
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Tue 11 Aug 2009, 8:53, Reply)

Because Notepad++
is a big steaming pile of kaoltarded shit?
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:00, Reply)

I manage to even crash notepad.exe on Windows :(
NotePad++ should be stabler than that windows pile of shite
( LemonEntryMyDearWatson This time, Moriarty, the hand is on the other foot, Tue 11 Aug 2009, 9:22, Reply)

It is on my desktop
But this laptop is notoriously unstable.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Tue 11 Aug 2009, 9:26, Reply)

is that
because knowing I'm online is making your lap less stable? ;)
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:45, Reply)

Hahahahahahahahahaha
Erm maybe.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Tue 11 Aug 2009, 9:48, Reply)

Write a complaint,
you'll probably get something back.
(PsychoChomp, Tue 11 Aug 2009, 9:08, Reply)

I have complained to the bank
Hence the ha! letter I got back. Next stop ombudsman and possibly crying.

I'm slightly scared that you didn't say something really mean though...
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:10, Reply)

Did the letter have a way to escalate the complaint,
you could ask them for their complaints procedure or something.
I have a feeling that they've got a standard response to every charge complaint even ones like yours that are obviously unfair.

You cunt.
(PsychoChomp, Tue 11 Aug 2009, 9:22, Reply)

I'm going to start throwing chicken
carcuses at RBS get a bit of press coverage. I think that should do it
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:32, Reply)

dead rats will work better
It will scare the bankers to see their own kind lying dead on their doorsteps.
(MichaelS wasn't picked again, Tue 11 Aug 2009, 11:48, Reply)

or Honda Accords.

(MichaelS wasn't picked again, Tue 11 Aug 2009, 11:58, Reply)

I'm gonna go with the "fake your own death" get-out clause.

( Cawl, Tue 11 Aug 2009, 9:16, Reply)

Go to the banking Ombudsman
And I would write to the money pages of the Guardian, they really are very good and helping damsels in distress.
( Mrs Entity is in hiding., Tue 11 Aug 2009, 9:17, Reply)

People
who spend more than they have.

(well, it doesn't say this post!)
(Halfy By light alone, Tue 11 Aug 2009, 9:20, Reply)

Yeah
Trying to be independant is expensive. I have now stopped "spending" money on those pesky bills.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:30, Reply)

Unfortunately
if you can't afford it then you will have to swallow your pride and wait until a point in time when you can.

No shame in that, its taken me until 34 to be able to afford to buy even a smll chunk of my own property, and thats an awful long time of bouncing around rented rooms, couches and occassionally parents
(Halfy By light alone, Tue 11 Aug 2009, 9:42, Reply)

is it not possible to cut down on something?
I don't know how you got into that situation, nor do I care much really as it's not my business, but is it possible to organise a meeting with your bank to talk about it? 400 quid is a lot of money, I know. Even if you go in with 40 or 50 quid willing to make a payment, that could help your situation, it might help them see that you ARE trying to pay it off, you just don't have the money to pay it all off at once.
Who knows, maybe they'll allow you to pay it off in installments and hold your balance so that you have a chance to actually live off more then pot noodles.

Also - try to stay calm. I realise you're pissed off at them and all but if you do have a meeting or a phone call with your bank, Don't get mad. It won't help and you'll just feel worse at the end of it all.
EDIT: when you go to the Ombudsman, ask for a copy of a letter to give to the bank to show them you've been to the Ombudsman as an ace up your sleeve. Also, try the CAB. They might be able to help too.

Now go eat some chocolate before I smack you upside the head.
(Poppet some assembly required., Tue 11 Aug 2009, 9:25, Reply)

erm
I have no money for chocolate. So thanks for reminding me about that
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:33, Reply)

fine, ignore the rest of the message where I actually tried to help.
steal your mothers then.

Also.
Don't be so proud that you won't move back into your parents to make things easier. You might hate it and resent it and they might too but I'm sure they'd be willing to help you.
(Poppet some assembly required., Tue 11 Aug 2009, 9:36, Reply)

erm
I am moving back into my mum's to sort myself out.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:39, Reply)

You didn't post that anywhere which is why I suggested it.

(Poppet some assembly required., Tue 11 Aug 2009, 9:43, Reply)

So just to get this straight
you went £50 overdrawn, or over you overdraft limit, and they have added a charge for doing this, thus taking your further over your limit?

Now my question is this, at what point did they draw your attention to this? For you to go over this limit you must have withdrawn the money, spent it on a card or a direct debit have gone out. I would argue that they shouldn't have allowed you to get this overdrawn.

I would also argue that they should tell you when you have reached your limit.
I would go to the banking ombudsman and to citizens advice.

Also to other posters, it is al very well and good to tell people to live within their limits, but it's just not always as easy as that.
( Mrs Entity is in hiding., Tue 11 Aug 2009, 9:37, Reply)

Well what happened was
A direct debit bounced and I didn't realise so I put petrol in my car and bought some bread then two days later the bank backdated the first £190 "charge" for a bounced DD and me technically being overdrawn for a day until it was rejected. The £190 took me into -money (as I don't have an overdraft) but because I had spent money on petrol when the money was in my account that took me even more over so they started charging me again.

Also I pay like £20 a month for my account for reasons I can't remember now :( And because I'm now always 200 down from all these fucking charges I can't quite get back on the level.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:44, Reply)

These "premium" current accounts really singe my ballhairs
90% of the time, they're just not worthwhile - you can normally pick up the extra benefits they provide (roadside assistance, travel insurance, etc.) cheaper individually elsewhere, and they really are a license for the banks to print money.

If you're on a limited budget - £20 a month is potentially a lot, and as Banks are supposed to "know their customers", they should know you couldn't afford to have that. If you're going to have an argument with the bank at somepoint, I'd keep that in your back pocket (i.e. so why did you also sell me this?).
( Fireflier La la la la, not listening on, Tue 11 Aug 2009, 10:18, Reply)

That is a lot of cash down the toilet
Charged 8 times what you went over by.

I'm going to get charged 225 times what I went overdrawn by. It's like getting a hefty fine and 6 points for being caught doing 71mph on the motorway. A fine that they take out of your account and you can't do anything to stop them.

Which bank is it?
( sandettie light vessel automatic New Twitter - @bollocksreally, Tue 11 Aug 2009, 10:27, Reply)

Royal Bank of Scotland
yes yes, they have already taken my taxes and now they are taking my actual cash.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 10:41, Reply)