 How much credit card debt are you currently in? |
| While I would like to hear from everyone, I'd especially like to hear from Americans and Canadians. Thanks. I have heard averages from anywhere from $1000 to $8000. I'd like to get a sample ... |
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 Does any one wanna give me some money? |
| or tell me how to make money! im a uni student and i have 2 jobs, and my own house! i had no choice to get my own place becuase my "mother" kicked me out! i need more money and cant get no ... |
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 How should I eliminate my debt? I my wife and I have 3 credit cards that have very high intersted!? |
The interest rates and balances are as followed.
16% on 4,000 with a 5 thousand dollar limit. Minumum payment of $125
9% on 5,000 with a 5,500 limit. Minumum payment $150.
... |
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 I was given a cheque everything was filled in correctly exept it was not made payable to anyone now the chap? |
| who wrote the cheque to me said that it is ok for me to fill that part in myself,will the bank still accept the cheque or try and blame me for tampering it.... |
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 I just found alot of CASH ! What do I do? |
what would you do?
Additional Details
it was $9000... |
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 I paid my wife a large full and final settlement now my 20 yrs son wants £50 a wk at uni can I get it reduced |
| Whe I divoreced my Ex she got over £500k is assets the lot. My son has not spoken to me in 2 and a half years. NOw he is taking me to the high court for £50 a week I am willing to contribute to ... |
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 Your computer maybe affected, READ!!? |
| Need viagra? House insurance? Animal porn? Would you believe me if I told you I was a rich foreign person wishing to deposit money in America, needing someone to assist me for thousands of dollars? I... |
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| Should I leave my job? |
The company I work for owe me money.......about £450...and everytime I ask someone in the company where are my wages I keep getting fobbed off!
I think they're pulling a fast one..gits!
... |
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 I'm looking for a $25,000 unsecured loan for debt consolidation. EVERY PENNY of my pay goes to credit cards! |
| Seriously, EVERY PENNY goes towards bills...if I want to eat I have to charge it cuz there's no cash left. Looking for a way to pay one creditor, not a dozen. Need to free up some cash in case ... |
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 I don't have a checking account, where can I cash a personal check from another person? |
Additional Details
Well, I am asking for a friend who just moved and is trying to keep a low profile.........her mom sent her a check but she doesn't have a new account and is in a ... |
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| If you have $100K, what kind of investment would you do? |
| real estate? business, restaurant, gas-station? what is going to bring highest profit of $100K investment?... |
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 Will a forebearance on my student loan lower my credit score? |
| I am trying to buy a house and expect to close in 45 days. My money is tight due to down payment, closing costs, moving costs, etc. I am thinking of getting a forbearance on my student loan so I save ... |
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 Do you use online banking? |
Is YOUR bank's online system easy/comprehensive?
Is it easy to do payment/ direct debits, etc?
Would you recommend your bank, generally?
I am going to change my bank, after ... |
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 If you received one million dollars today, would you donate it or spend it all? |
| Out of curiosity, I always wondered if I would do this. If I received a large sum of money - would I keep some of it, or give it away? A friend once told me that the happiest lottery winners were the ... |
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 I have been unemployed for two months know. Bills are over due. I have no were to turn. Any suggestions? |
| My family can not help. My credit is in need of repair as it is poorly in shape. I am being sued and can not apply for loans.... |
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Dreamah | Is it illegal for the bank to charge you for going over your overdraft limit? |
i've just read somone alses question that was a bit like this, my partner had had a bit of trouble with his bank (Natwest) witch was no fault of his own, his phone bill was due to go out and they didn't take it out but they charged him £48 then another £48 a few days later in that time he went over his overdraft and then got charged another £35 can they do this or is there any way we can claim this money back. thanks xx |
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Alan M
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I read an article on this in www.moneysavingexpert.com. Its seems that if you make a complaint and mention 'taking legal action against them' they are willing pay you it back out of what the bank might call 'customer courtesy'.
The other 99 out of 100 will have paid their £50 charges. Thats not bad for the price of 100 letters plus postage at say 50p each!? Now thats a nice little earner. |
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latinxec
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Legal? Yes! If this is your first time overdrafting the account most banks are considerate enough to reverse the first one. If you have a pattern of overdrafting don't even think about it. Keep in mind a bank is a for profit corporation and every time you overdraft your fault or not the bank runs the risk of losing that money.
In the states there are consumer laws that protect consumers. In a situation such as this however where a third party debited your account twice in error you have a right to dispute this transaction and have it reversed. Simply go to the bank file an unauthorize transaction affidavit and they will reverse the second debit. They will also reverse the fee as it was created as a result of this mistake.
As consumer we have rights, we just are not always aware of them and as such do not execute them.
Best of luck and go get your money back. |
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jeeps
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They can do this. Apparently you can only claim it all back if you have six years worth of charges and all the statements to prove it then you can take them to court. Crazy isn't it. This is Rip Off Britain for you. |
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whoopscareless
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no, it's not illegal... they've lent you the amount of the overdraft, so if you go over the overdraft you're technically taking the money from them without permission.
sounds like your partner's been charged twice in error, so the chances are they'll be able to claim the charge back. Otherwise... nope. |
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peaches
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Unless the second 48 was an overpayment - your boyfriend has no recourse. Going over your overdraft limit is just the same as writing out a bad cheque, or a cheque that goes N.S.F. If the second charge against his account was an error on the part of the telephone company, he can seek repayment of the bank's overdraft charge from them. |
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Big hands
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maybe he should save and he wouldnt get that problem |
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alibeeie
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Ask your bank for a copy of your account terms & conditions and also their fees & charges booklet. This will give you an idea of what charges your bank can /cannot charge you. |
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turbochops
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I think that a charge is not illegal, but the amount charged is. The sum charged is disproportionate to the penalty and therefore illegal! i am about to try and reclaim my losses with the help of www.penaltycharges.co.uk |
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?
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Yes, unfortunately they dont make that clear. Overdraft is like extending credit. Go overlimit, get a penelty. Sorry |
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enviroman2222
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well if you lived in the US you could get your money back but because you live crappy old england or some other place of that nationality you can probably forget it. I used to work for an english bank once while overseas, they are very corrupt and the english government ALWAYS! defends banks over the individual. Basically no matter what the case is you are at fault and the bank is right in their eyes. |
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Luis G
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In the US they can. But You can call and they will sometimes reverse the charge if you are not regularly bouncing checks.In Great Britan I have no idea. |
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grandpajim1920
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yes they can take out, and yes the bank can charge for the overdraft, suggest your friend get overdraft protection from the bank in case it should happen agian |
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southock
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Depends on what he signed up for. Does amybody read small print from banks? They are the greatest thieves on the planet |
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open4one
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It all depends on your agreement with the bank. All those papers they gave you when you sign up for an account actually mean something.
In some agreements, they can charge you for each transaction, even to use your own money, or making a deposit.
They have stiff fees for spending more than you have. That's usually called an overdraft fee.
Sometimes they will let you go over the amount you have by a set limit. If you spend more than you have but less than this limit, they don't charge you extra, but if you go over that, they can, they will, and may or may not honor the check even though they'll charge you for it.
It's in the agreement. Somewhere. |
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