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20th August 2009, 5:55pm
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#16 | | tear you apart
Join Date: Mar 2002 Location: piano island
Posts: 22,967
| Re: Bank of scotland customers: changes to overdraft policies
Sounds like the worst bank ever.
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20th August 2009, 6:04pm
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#17 | | Caissa's DeathAngel
Join Date: Dec 2004 Location: The BR Program!
Posts: 18,079
| Re: Bank of scotland customers: changes to overdraft policies
Interest charges for overdrafts? Not a problem, fits the true definition of an overdraft as a short term (theoretically) micro-loan.
Daily charges on top of that? Fuck right off you utter cunts. Guess I'm sticking with RBS a few years longer then! | |
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20th August 2009, 6:37pm
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#18 | | QUEEN OF THE SCENE
Join Date: Apr 2006 Location: Glasgow
Posts: 5,769
| Re: Bank of scotland customers: changes to overdraft policies
Is it with all accounts? I've just got a Student Current Account, but I'm recently no longer qualified as a student. I've checked all my online documents and nothing has been mentioned.
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20th August 2009, 6:41pm
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#19 | | different kind of monster Moderator
Join Date: May 2003 Location: Here and there
Posts: 7,693
| Re: Bank of scotland customers: changes to overdraft policies
told me today i would find out about it in october. the way she worded it (albeit in brief convo) was as if you would be charged just for being in it.
she did mention another account but as soon as i told her i wasnt working she told me to come back when i was.
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20th August 2009, 6:45pm
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#20 | | Al Queda Pish
Join Date: Mar 2008 Location: Muppet Lab
Posts: 7,046
| Re: Bank of scotland customers: changes to overdraft policies
This must be an actual joke. I'm deep into my 1000 overdraft limit... and I can't see me getting out of it, especially without a full time job. So I'll be charged £1 per day for the forseeable future?! Jesus Christ.
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20th August 2009, 6:53pm
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#21 | | QUEEN OF THE SCENE
Join Date: Apr 2006 Location: Glasgow
Posts: 5,769
| Re: Bank of scotland customers: changes to overdraft policies
Google isn't bringing anything up either, it does seem a bit unbelievable.
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20th August 2009, 8:37pm
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#22 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 20,225
| Re: Bank of scotland customers: changes to overdraft policies
Pete how much you pay in overdraft intrest? | |
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20th August 2009, 8:41pm
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#23 | | Forum SuperMod SuperMod
Join Date: Jul 2002 Location: Liverpool
Posts: 15,516
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by CHUCK LIDELOL This must be an actual joke. I'm deep into my 1000 overdraft limit... and I can't see me getting out of it, especially without a full time job. So I'll be charged £1 per day for the forseeable future?! Jesus Christ. | I live in my overdraft and I pay about £20 interest on that each month.
Rubbish. 
Last edited by GreatKingRat; 20th August 2009 at 8:49pm.
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20th August 2009, 8:56pm
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#24 | | Registered User
Join Date: Apr 2001 Location: | :noitacoL
Posts: 18,420
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by System_Star As far as I know this is only with their Reward Account? I have a student account and a Reward account and it is the only one that gets charged the £1 a day. They have an Ultimate Reward account as well, but instead of the £1 overdraft a day you have to pay them £12.50 a month for having the account in the first place and some "extras" along with it. Either way, it's a pure joke. | The reward account at £12.50/month gives you £300 free overdraft, then £1/day.
Theres no interest charges on it, but £1/day when in an authorised overdraft (up to about £2500 when it goes up to something else), £5/day for unauthorised overdraft (presumably with fees on top).
The new free account is the same but without the £300 free overdraft. Both pay £5/month if you pay in over £1000/month.
They may well be switching folk over onto this, but at the moment people on older accounts get the same deal they had previously.
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20th August 2009, 9:09pm
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#25 | | Registered User
Join Date: Apr 2001 Location: | :noitacoL
Posts: 18,420
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by Addy Interest charges for overdrafts? Not a problem, fits the true definition of an overdraft as a short term (theoretically) micro-loan.
Daily charges on top of that? Fuck right off you utter cunts. Guess I'm sticking with RBS a few years longer then! | I'm pretty sure its not an additional charge, you no longer pay a percentage, just £1/day. Which means the folk just going overdrawn (like me, this month I went to -£14) will get shaftet, but it probably works out better for those sitting on huge overdrafts.
__________________ herzlos.desv.co.uk It has always been the prerogative of half-wits to point out that the emperor has no clothes. But the half-wit remains a half-wit, and the emperor remains an emperor. | |
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20th August 2009, 9:39pm
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#26 | | Changed Man V4
Join Date: May 2002 Location: Breaking into H
Posts: 32,418
| Re: Bank of scotland customers: changes to overdraft policies
http://www.bankofscotlandhalifax.co....nt-account.asp
It's true for Reward Current Accounts.
Mine was a Student Current, but I think it's a reward current.
I was sitting here thinking it's a lot, but Lovey just pointed out it's £30 a month and when you say it like that, it sounds fuck all.
There are no charges on top of the £1 a day.
Means I'll just move my savings in to cover it, or simply stop living the life of luxury off the arse end of my overdraft.
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21st August 2009, 12:50am
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#27 | | small&insignificant
Join Date: Sep 2001 Location: 1997
Posts: 20,704
| Re: Bank of scotland customers: changes to overdraft policies
How smug am I having just paid off my overdraft 
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21st August 2009, 3:22am
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#28 | | Bitch Best Recognize
Join Date: Sep 2006 Location: Bunker Tor 7
Posts: 1,736
| Re: Bank of scotland customers: changes to overdraft policies
Surely's there's some sort of limit on how long they can keep slapping on the quid charge, though?
My mate is with A&L and he says they charge 50p per day for being overdrawn, but it's for a max of ten days per month, or some shit
My BoS acct is the older bog-standard current account (got it in 2000), however I'm OD'd to fuck, and don't see myself as being able to clamber out of it until after I get back from being overseas next month... another in a long line of bullshitterisms they're going to pull, no doubt ;/
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21st August 2009, 4:32am
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#29 | | Al Queda Pish
Join Date: Mar 2008 Location: Muppet Lab
Posts: 7,046
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by Warped Pete how much you pay in overdraft intrest? | No idea mate. It's a student account.
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Originally Posted by djtoast i think you're trying to insult me. | | |
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21st August 2009, 7:07am
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#30 | | QUEEN OF THE SCENE
Join Date: Apr 2006 Location: Glasgow
Posts: 5,769
| Re: Bank of scotland customers: changes to overdraft policies
Mine was paid off then I went all "Ah to hell with it I've got a year before I start paying interest!" and got a holiday/xbox/a billion clothes. Relieved I never put a deposit down on that flat I saw now! Bullet dodged.
I can get out of it, I just don't want the bank to swallow all my heard earned cash YET.
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