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21st August 2009, 9:00am
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#31 | | Auch emo für Sie!
Join Date: Aug 2001 Location: OlD WorLd
Posts: 8,470
| Re: Bank of scotland customers: changes to overdraft policies
I was totally outraged at first, but you can see why they are doing it as people sit in thousands of pounds worth of debt, clogging up money they could be investing elsewhere.
I don't think its right, still hate the utter fuck out of the idea but understand why its happening.
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22nd August 2009, 8:43pm
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#32 | | bad kitty!
Join Date: Sep 2001 Location: Knightswood
Posts: 3,086
| Re: Bank of scotland customers: changes to overdraft policies
From what the boyf has told me(this is what he said its along the lines of they will chrg more on usage of the overdraft facility, chrg something like £5 per day for being overdrawn (over your overdraft facility) and remove the large chrgs of £35,30 etc..
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Useless device, it wont suffice
i want a new game to play
when i am gone it wont be long
before i disturb you in the dark
and paradise comes at a price
that i am not prepared to pay
what were we built for?
will someone tell me please | |
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22nd August 2009, 8:59pm
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#33 | | Cap'n Cherry
Join Date: Oct 2003
Posts: 20,621
| Re: Bank of scotland customers: changes to overdraft policies
I have a Graduate Account with a free overdraft up to (I think) £1800. I've been needing it just now to pay for courses and other important expenses, so I'm something like £1000 overdrawn - as it's a free overdraft I assume I don't have to pay this... Do I? Kinda crapping it if I do.
**edit** Never mind, I just re-read the first post and I initially missed the fact that it was in December. I'll be out of it by then 
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22nd August 2009, 9:11pm
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#34 | | Registered User
Join Date: Apr 2001 Location: | :noitacoL
Posts: 18,422
| Re: Bank of scotland customers: changes to overdraft policies
Doing the math, you'd only benefit if you owed more than £2200 on your overdraft on average.
I guess its because a lot of people bounce into the overdraft by a few quid and sit there for a while racking up literally pennies in interest.
__________________ 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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22nd August 2009, 11:30pm
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#35 | | LAST SONG KILL AUDIENCE
Join Date: Apr 2002 Location: Glesgae
Posts: 33,176
| Re: Bank of scotland customers: changes to overdraft policies
Has Danny already started justifying it? | |
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23rd August 2009, 12:23am
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#36 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 20,225
| Re: Bank of scotland customers: changes to overdraft policies
No, as I dont agree with being charged a daily fee for being in a planned overdraft. | |
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23rd August 2009, 1:31am
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#37 | | LAST SONG KILL AUDIENCE
Join Date: Apr 2002 Location: Glesgae
Posts: 33,176
| Re: Bank of scotland customers: changes to overdraft policies
Not that you justifying bank charges and me mocking you for working in a bank callcentre would constitute any kind of a cliche or anything. | |
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23rd August 2009, 2:17am
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#38 | | Al Queda Pish
Join Date: Mar 2008 Location: Muppet Lab
Posts: 7,049
| Re: Bank of scotland customers: changes to overdraft policies
I'd laugh if Danny smashed you out. Deserved or not, I'd laugh.
__________________ Walkin' Blue
Quote:
Originally Posted by djtoast  i think you're trying to insult me. | | |
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23rd August 2009, 8:44am
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#39 | | Registered User
Join Date: Apr 2005 Location: choochterville
Posts: 9,239
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by I'm Your God Now I wish Lloyds Tsb was like that.
Minimum of £5 day unless you're £10 (maybe£15) over the limit, then it's £15 a day.
Fucking disgrace. | It's £6.00 a day, then £15.00 and can the go to £20.00 a day.
__________________ Quote:
Originally Posted by Bunnylingus Ah lisa, such a classy bird  | Quote:
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23rd August 2009, 8:47am
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#40 | | Bitch Best Recognize
Join Date: Sep 2006 Location: Bunker Tor 7
Posts: 1,740
| Re: Bank of scotland customers: changes to overdraft policies
Wait, so it's only if you're over your arranged OD?
£20 a day is fucking horrendous. Every time I think about changing banks, I always wind up changing my mind.
Although if I can upgrade my Nationwide acct, I might give BoS the heave-ho.
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23rd August 2009, 10:51am
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#41 | | Kingpun
Join Date: Nov 2002 Location: Abergreen
Posts: 16,832
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by Brookie It's £6.00 a day, then £15.00 and can the go to £20.00 a day. | I was close enough 
__________________ Saying The Words We Mean To No One
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23rd August 2009, 11:06am
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#42 | | LAST SONG KILL AUDIENCE
Join Date: Apr 2002 Location: Glesgae
Posts: 33,176
| Re: Bank of scotland customers: changes to overdraft policies
Quote:
Originally Posted by CHUCK LIDELOL I'd laugh if Danny smashed you out. Deserved or not, I'd laugh. | Don't even know what this means, on any level. | |
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23rd August 2009, 1:06pm
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#43 | | Al Queda Pish
Join Date: Mar 2008 Location: Muppet Lab
Posts: 7,049
| Re: Bank of scotland customers: changes to overdraft policies
Violence!
__________________ Walkin' Blue
Quote:
Originally Posted by djtoast i think you're trying to insult me. | | |
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23rd August 2009, 1:08pm
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#44 | | LAST SONG KILL AUDIENCE
Join Date: Apr 2002 Location: Glesgae
Posts: 33,176
| Re: Bank of scotland customers: changes to overdraft policies
Undeserved. | |
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23rd August 2009, 4:36pm
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#45 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 20,225
| Re: Bank of scotland customers: changes to overdraft policies
I'm not a voilent person, i worry that i might like it too much. First step to serial killer. | |
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