-
Posts
-
@chickenman wrote:
Got no time for banks and we would be better off without them. They make millions for themselves and the government but we dont see any benifit. We late for a payment they charge us. We draw money out they charge us. they want to charge us for having an account as well. Its out bloody money for gods sake not theirs. They are using our money to make themselves moneys and if we are lucky and kiss their butts they might let us have some of it back for a small fee.
Let them all go to the wall and let us all stuff our money under the mattress :DBut i would agree with pete on one point. the birds at my local lloyds are bloddy hot and id pay good money to see them do cuddles and hugs :lol:
Let me put the balancing argument. I’ve had a bank account with the same bank since I was 21 – in those days that was the age of majority – so i’ve had the account for some 42 years.
For the first decade or so they charged me every month based on the number of cheques I wrote (many) and payments made in (few). If I became overdrawn (pretty often at the end of the month) they charged me interest on the overdraft.
I got cute and arranged for an overdraft limit so that I could ”officially” become overdrawn occasionally without incurring penalty charges – just paid the appropriate amount of interest for my unsecured borrowing. I don’t see this as an issue now and i didn’t see it as one then.
I forget quite how long ago – maybe 15-20 years or so – they provided me with free banking so long as my account remained in credit. It isn’t rocket science to work that one out and I can say that I cannot recall paying ANY bank charges for certainly the last 25 years or so – could be more.
My point is that IF you are sensible with your finances and don’t just write a cheque when you don’t have the money in the account to meet it on presentation, then you get truly free banking. So I have all the benefits of a bank account – cheque cards; cheque books; monthly statements; online banking; bills paid automatically by direct debit; and so on and so forth …… without having to pay a penny for this. I call that a pretty good deal.
IF you use the system properly, banks will provide you with this service totally free. If you break the ”rules” then they will charge you accordingly. I don’t see that this is ”bad” and indeed they can make all the profit they want to as far as I’m concerned.
I’m sure when PB gets “lay off” due to the “credit crises”, he will find out how friendly the banks really are!!!!!
@dead_on_arrvial wrote:
I’m sure when PB gets “lay off” due to the “credit crises”, he will find out how friendly the banks really are!!!!!
With a bit of luck the ”credit crisis” could work to my advantage. As companys fall on hard times, and profits drop and cash flow dries up, they are more likely to seek assistance to dig themselves out of it … often in the form of business advice / consultancy.
Of course I mustn’t use these boards to advertise. However ……. :wink:
Yes that’s the first thing I would do……..
Right after we started using discount brand tea bags in the tea room.
When I think back to the last recession, didn’t most of them “business consultants” fail?
This reminds me of that old joke about the “consultant, the shepherd and the dog”
I lost my job a while back and missed two payments on my credit card. They always tell you to contact your lender if your having problems. Mine just said “give us your money or else” i then got a 48 hour notice to say debt collectors are coming to take stuff away.
So i stick by my orignal statement” feck em !” pull the ladder up and let them all drown :lol:
@dead_on_arrvial wrote:
Can someone please tell me why the government can find billions of pounds for failing banks at the “drop of a hat”, billions for overseas wars but nothing for the NHS or pensioners?
I heard the food is so bad in Scotland, they’re giving it away to school kids and the English tax payers are paying for that too !!!
That’s great really isn’t it. The food is so bad, they’re giving it away.. If it’s so bad, then throw it away!
basically the government has used up the countries gold reserves to pay off all its mounting debts….. we as a country are bankrupted, or as near as damn it. The money is getting borrowed from peter to pay paul now…… and peter is charging an arm and a leg and paul is a spendthrift.
Or something like that…. well thats one explanation anyhow.
Get involved in this discussion! Log in or register now to have your say!