 Can I be claimed as a dependant on taxes? 21 yr old college student living with parents. Help!? |
| I'm a 21 year old student attending college...i live at home with my parents (and two sisters)...my parents provide everything (housing, food, bills etc)...and I have a less than part time job (... |
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 The rebate checks people are getting in the mail, is it tax free money? |
Or do you have to claim it as income and get taxed on it?
Curious.
Additional Details
Judy, it was just passed.... |
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 Tax question? |
Hey everybody,
I filed my taxes not too long ago and I completely forget to include the salary from one of my jobs. I only worked this job for one day last year and I made a total of $120. ... |
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 Does anyone know how to fill out a W-4 form so that i dont get too much tax withheld from each check? |
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carol g | I have just been fined by my bank? |
for being 7p overdrawn on my current account. They have fined me £5 for being overdrawn on my card and £25 overdraft monthly fee. They have "let me off " the £5 but have taken the £25. Anything I can do?
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 |
 
babyonlyne
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ok why is everybody so negative, yes he went overdrawn it happens to the best of us at the worst of times. yes he signed the papers and no we don't all sit comfortably in the branch when opening our account to read the extra small print nor does the bank put their charges in bold or make it the first page in the welcome pack. has no one apart from rory p heard of or successfully reclaimed their charges. you've paid the charge which is extortionate now claim it back along with every other charge over the last 6yrs for every bank account credit card & catalogue you've had. IT DOESN'T COST THEM £30 or £25 or £5 to send a letter. despite the case currently being reviewed in court you can still file for a refund and it works even more so in your favour if you can prove you're suffering financial hardship and/or on benefits. i did it 3 times, twice prior to the case & once during and won all three. don't be put off by the current case or people who don't want to enforce their rights because they signed a piece of paper. i'm feeling the financial pinch (and looking to claim on other accounts) aren't you. I'm with rory p and i got all my letters from the website listed. good luck & feel free to ask any question i'd happily help you. |
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Mustafa Leek
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Switch to Nationwide, and let the robbing greedy bankers go down the toilet.
You get free overdrafts, and they pay you interest. |
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rory p
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you may be able to do something about it in this situation.
there is a case ongoing at the moment between the banks and the FSA regarding unfair bank charges (which in this case is obviously unfair!) and how they can justify the amounts they charge
check out the reclaiming guides and forums here
http://www.moneysavingexpert.com/
unfortunately unless you're claiming hardship as a reason for reclaiming it will be more difficult to get the money back at this time as the courts have put a halt on all reclaiming until the test case is over.
like i say though - depending on your situation you may still be able to claim it back - if not, you can send them a template letter provided on the site and they will make a record of your claim and deal with it after the test case is concluded.
i would really recommend reading up on this site - it has been very helpful to lots of people and has had over a million template letters downloaded from the since it started.
good luck
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vimesfan01
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Like what?
You can ask. That is about it.
You were overdrawn, so they didn't do anything wrong.
They were nice enough to forgive the 5. |
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Malruhn
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I'm sorry if this comes off as being harsh, but didn't you have to sign paperwork that said that you understood what would happen if you overdrew your account? The use of a checking account is akin to using IOU's to pay - and you are promising that you have the cash in the account to back it up. If you don't, then you are making empty promises of payment - and in the banking industry, that is called THEFT. The bank agrees to help you in your endeavor to write these promissory notes, but you have to agree to their terms.
Unfortunately, you broke the agreement by pence.
Take the 25 pound wrist-slap and learn from it. Don't do it again. |
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Ryan M
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Afraid not mate its stupid, they actually charge you for the letter they send to tell you that your over drawn. There is apparently a policy being introduced that will stop this cloak and dagger behavior but until now it's untouchable. I went 29pence over drawn on one of my accounts and was charged the full £30. Ridiculous. |
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Richard N
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nothing you can do about it I'm afraid.
My partner was just fined £60 for going 17p overdrawn. |
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DF
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much easier to already have an agreed overdraft in place, then you would pay 15% interest on your 7p and not get fined or charged for the letter telling you (which is daylight robbery). |
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projetkarma
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Make an appointment to see your manager, don't say why you want the meet, you may get fobbed off.. Have the meet and expalain you do not want to pay. They will probably say theres nopthing they can do.
So give up and leave.
Leave it for a few days make another appointment and do the same. Repeat this meeting over the next few weeks as much as you can get away with it.
Eventuallly you will have wasted there time so much that the money charged will be wasted in principle on wages, paying someone to sit down and listen to you moan.
Suggest you do this in your own time, if that is possible.
You may not get your money back, but at least you can have the satisfaction that they didnt get it either!!!!! |
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des
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i sympathise with you carol its ridicules isn't it i doubt u can do anything about it other than tackecare not to go over again in future. |
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Laurence B
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Sounds like HSBC to me. Don't worry about it. I know it is steep for 7p over, but unfortunately, that's the way it is.
Sorry |
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dels replies
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You can write and object but that is the terms of business, Arrange a bigger overdraft limit that you can go up to without charges being involved, say £50... Mind you if you go over that you will be hit, so just be careful |
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He is mighty to save
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Walk up to them, give them 7 pence and go, gimme back my £25 fool! |
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scuppo
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I went into the bank one day to close my account, and they said they have already closed it as I was overdrawn. They threatened to Black List me because of this, and when I asked how much I was overdrawn by they said 17p. Can you believe it. |
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tanika971
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i thought they had reduced the overdraft fee to £12, but your in the wrong not them. try and stay within your limit. i know 7p is a silly amount, but they have these rules and unfortunately we have to stick to them |
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