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If you were eleven and had to earn money what's the best way to do so w/o doing anything illegal or getting in trouble?... |
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 Is my credit score good enough to get a personal loan? UK only please? |
| I have just found out that my experian credit score is 744. I am a self employed tenent earning £3500 a month which I bank on my hsbc account. I have had my hsbc account for 10 months and am told ... |
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 How many people think that the banks overdrafts fees and policies are unfair? |
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 What are my options for a bad credit car loan? |
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JJ | What can I do My bank let me overdraw 8700? |
I only had 600 in my checking account and was using my card for christmas shopping. I was spending and spending and i ened up spending 8700. I know i went crazy when i realized i had no limit. my bank called me in and had a talk with me told me that they didnt understand why my card had no limit on it. told me to take back what i could and come back and see them. they said that i could have been arrested is that true. its not my fault they didnt give me a limit im irisponsible il give you that but they should have laws to protect people like me :) |
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lilsnapdragon
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No, they should have laws to protect the rest of us from people like you. I think I lost about 20 IQ points just reading this question. Grow up and take responsibility for your actions! |
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Larry
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Its people with your logic that is turning society into the pathetic finger pointers that they are.(its not my fault, they shouldnt have let me do it) accept responsibility for your actions and be a goddamn adult. do not expect others to save you from your stupidity. |
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Karen M
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What you did is equivalent to writing a bad check. A really HUGE bad check. You could face felony charges.
The bank realizes that it is partly to blame (for not cutting you off sooner) and they may be willing to work with you. You need to take back everything you can, get return receipts, and show up at the bank with them. Negotiate with them for relief from the overdraft fees, and ask them to extend an overdraft line of credit for the rest. You'll just have to pay them back.
And I have to call BS on you, too. I can see if you knew you had $600 and you accidentally went over and spent $800. But $8000??? You knew damn well what you were doing. |
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J C
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It was the bank's idiot mistake to overlook your credit limit.
And your idiot mistake to take advantage of it. Hopefully you can return enough of your goodies to pay it back, or you have some cash laying around.
It is impossible to protect people from being stupid, because stupid people will always find a new way to showcase their stupidity.
But on a more positive note, there is NO debtors prison in the United States. I repeat, debtors prisons do not exist here (assuming you live in the good old US of A, that is). The only way you can go to prison for owing somebody money is if you directly disobey or disregard a judge or court decision. The bank you are working with is absolutely trying to intimidate you, and you shouldn't take that kind of abuse. |
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freakyallweeky
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It is absolutely your fault. You know your balance and spending more than that is against the law just like writing checks when you have no funds to cover those checks. You need to return the items you bought and give that money back to the bank. Or keep the items you bought and pay the bank $8700. Either way you dont get to keep things you havent paid for. |
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greenshirt
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They don't need laws to protect people like you, people like you need to use math (balance your account) self restraint and common sense. |
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junebug
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Join "Shopaholics Anonymous" because it's obvious you need help curbing your spending habits. Your bank was correct in saying you need to return everything that is returnable asap. Yes, you could get arrested as you theoretically spent money you didn't have or even had no way of repaying. You should count yourself lucky the bank is giving you a break by asking you to return the merchandise. Giving "people like you" has nothing to do with it - you spent the bank's money - not yours - you didn't have any. You knowingly spent someone else's money that you had no rights to so if you don't land yourself in hot water consider yourself extremely lucky and so as the bank suggests in repaying it back. |
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Justsyd
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You knew how much money that you had in your account, so taking the banks money is theft. You need to be responsible and take everything back so that you can give the bank their money back. |
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Teesip
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I doubt your story as being true. If it isn't a fabrication then you deserve whatever consequences the bank imposes on you due to your own stupidity, stupidity not ignorance. |
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bryan l
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you have 600 bucks and spent 8700. go and get credit cards and max them out and pay 30% you will make the banks very happy |
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Tammy Vivat
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You do have rights. Call a non-profit legal aid service, ask them for help or if they can stear you in the right direction. Just remember, always know your balance. |
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