 I have some money in the bank that I could use to payoff my mortgage, however I am not sure if that is good.? |
| Is it better that I use $118,000 to payoff my mortgage today? If I do that I would not have debts only will have to save for insurance and taxes. I am not sure to invest in the stock market now ... |
|
 Is it legal for a collection agency to do this? |
| I have been having some financial difficulties of the last few years. My brother just called me and said there was a message left on his answering for ME about a "refusal to resolve". P... |
|
 I need money for Christmas, please help!!!!? |
| I'm looking for a way to make some quick money for Christmas. I am a working mother of 2 boys, but my oldest (he's 10) is diabetic, so all my extra money goes to his insulin and supplies. C... |
|
 Is it good to get a credit card to build credit if you have none? |
| I am trying to build my credit but I am only 20 so I dont really have any. Is it a good idea to use a credit card to build credit?... |
|
 What is bankruptcy and if i filed it how would it effect me(read on)? |
| Im on benefits due to illness and my debts are spiralling out of control...debt consolidation companies are not an option as its still too expensive and the last ones i used werent sending payments ... |
|
 My ex-husband trashed my credit!? |
| I have two major charge offs on my credit report one is for 6k the other for 3k. Both generated by my ex-husband. The accounts were in my name alone he just used the cards. Both accounts have been ... |
|
 Captial one credit card? |
| i just recived a letter from captial one this morning as i applied for a card with them i had to sign the agreement and send it away which i have done as soon as i recived the letter does that mean ... |
|
 Is there a real way that a teenager can make money online? PLEASE HELP? |
And please dont say "Get a job" I have one, but some extra cash would be nice.
Is there a real way online that i can make some money without having to put a credit card or something?<... |
|
 Does anyone Know any loan sharks or money lenders pls? |
Please dont reply if you just want to say dont do it or if your money lender that keep wanting up front fee im not interested
Additional Details
If anyone know where to find one people ... |
|
 Who are the world's first three richest persons? |
| well this is a common question and i hope you all would be able to implement this ... |
|
 Can a company charge my credit card without my authority? |
| Ok... so here's what happend. I decided to start this weight loss program that I've done before at a new center. This new center charged me for being a first time client. I later found out ... |
|
 Question about credit...? |
| I have really bad credit with a score of 539. I made a lot of mistakes when I was 18, I am now 25 and don't need you to lecture me. My question is... I just got approved for a Continental M... |
|
 How long does a credit card refund take? |
| Hi, I have just got a credit card last week and I bought something from Topman on the Wednesday, and took it back the next day, my card doesn't offer internet banking, so I called today to ask ... |
|
 If my boyfriend needs a co-signer on a car could I co-sign with him if I made almost as he does? |
Both of our credit is poor.
Additional Details
LOL ok we are engagged to be married. We have 2 cars but we need one with A/C and since I'm going to college 20mins away mon-thurs. I ... |
|
|  |
navpreet g | Is it ellagal for my bank to charge me everymonth even if i'm overdrawn by one day. i have no overdraft .? |
i am consistantly being charged by my bank. i don't qaulify for a overdraft facility. i am currrently working two part time jobs, i also recieve ema of £30 a week. my ema payments always arrive either late or are missed due to school teachers not processing on time. recently i was overdrawn only for one day, and got paid the next day. each time i am charged £25. The next charges are being applied on the 4th of jan for the amount if £50. £25 is for the first day of being overdrawn and the next £25 is appalied the next five working days.this is totaly unfair, i am for ever paying money back to the bank. i am only 18 is this not ellagal for a bank to charging me continuously putting me more and more in to debt. |
 |
 
phileemac
 |
YOU CAN CLAIM EVERY PENNY BACK FROM THE LAST SIX YEARS GO ON THE BBC WEB SITE AND SEARCH FOR A PROGRAMME CALLED BANK ROBBERY THE PAGE HAS ALL THE FORMS AND INFO YOU NEED |
|
scottFL007
|
I'm amazed that you let this keep going on.
First, no it's not illegal. You are consistently overdrawn every month, so why should it surprise you that you get charged for it every month? It doesn't matter that it's "only one day". Overdrawn means that your money isn't there when it is supposed to be. You shouldn't depend on others to get your money there. You need to be responsible and make sure the money is there before you spend it.
I don't know anything about ema payments, but you really need to take charge of your finances, instead of depending on others to get your money there on time. You desperately need to keep a balance in your account to avoid having this disaster. Clearly, it is costing you enormously. STOP SPENDING MONEY until you get your account fully under control, and then stop trying to spend every penny. Normal people keep a balance in their account to avoid this kind of risk.
If you do all of this and still have a problem, perhaps you need to switch banks. Sometimes, some financial service companies are aggressive in charging fees. Your best bet is to find a better bank to serve you. But, really, I suspect the problem is your own fault. |
|
sally c
|
Go to the Mark Lewis website.Cant remember address but just google Martin Lewis and go to his money saving website. He has got a section on reclaiming unfair bank charges. He gives you step by step instructions on what to do. Well worth it.
Give it a go!! |
|
mery
 |
i heard on a tv programe lately that you can get back the charges if you go thru small claim courts. |
|
Faeldaz M
|
When you open an account you sign a contract. In the contract you almost certainly make an agreement that they can charge you if you try to take more money out of your account than you have in it. Since this is the case, the bank can certainly charge you whatever you agreed to when you opened the account (even if you didn't read all the small print before signing). The best way to avoid these charges is to not overdraw the account. Don't write cheques or approve automatic payments until you see that money has already been deposited and is available. |
|
david m
 |
This aint illegal but what is illegal is the snowball effect, thats a charge on top of a charge, which technically is illegal as its classed as theft by deception or something, i had the same done to me and i done the following
goto www.penaltycharges.co.uk
Now you can print off ready typed letters to send to your bank here and make them pay all your charges back.
You must give your bank 40days to write back to you, and by law they have to, if they dont comply them send a final notice...trust me then they will reply by giving you your money bank |
|
andybox
|
hi, its not illegal to charge you for going over your overdraft but they can only charge you a proportionate fee ie, the cost of a standard letter a stamp which works out about 2 or 3 pounds. I am currently claiming back my charges going back 6 years. try www.moneysavingsexpert.com and www.penaltycharges.co.uk for more information and good luck |
|
NATALIE W
 |
no it is not illegal,your bank charges you for going overdrawn without an o/d facility in place any additional charges are for additional things that happen on your account,i.e a diect debit or standing order that cannot be paid due to insufficient funds |
|
happyliberal
|
Read this advice from ThisisMoney and follow the links. It could make all the difference |
|
MUFFIN: 3 WKS & 4 DAYS. . . . .
|
Its not illegal for them to charge you. Try not to go over your limit. Cut back on a few things. |
|
oconnortomlin
 |
Its kind of illegal for them to do it because usually the fine dosent fit the amount, ( basically way to much)
I have been researching this just recently, and I really think you should check the website, and not just for this thing. But anyway The site will tell you all sorts of things about how and why its illegal and how to claim it back with a step by step guide.
I will be doing it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 9 minutes(s) ago
| | | |
11 | 42 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
10 | 5 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
9 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
