this is pucker, i got it originally from that moneysavingexpert.com bloke off radio 2.

it worked for me so take a minute to read this. apologies if its been posted already. i had a quick look but couldnt see it anywhere.

 

This is not junk mail.

 

I know most junk mails start that way, but this is true.

 

According to Which! 1 in 5 people are affected by charges imposed on their bank accounts by their bank for failing to pay Direct Debits, Standing Orders and Cheques.

 

Further to this, they also impose charges for going over your overdraft limit - sometime, a charge for each day you are over your limit.

The Banks often say that these charges are intended to compensate them for their loss. However many people believe that they are far higher than that. If this is true then the charges are dispropotionate penalties and are invalid.

These charges can be crippling for some people.

 

Visit http://www.consumeractiongroup.co.uk to find out how to reclaim any disproportionate penalties.

 

It doesn't matter if you have been charged ??30 or ??5000.

 

If you have had any of these types of charges on your account within the last 6 years, please visit:

 

http://www.consumeractiongroup.co.uk.

 

Even if you haven't been affected by these charges, then if you email this to just 5 people in your address book, at least ONE of those will have been. If you email it to everyone in your address book, you will most likely be helping lots of people.

 

Currently we have thousands of Users who are in the process of, or are about to be claiming their charges back.

 

There is no charge to join our forum - we are not in this for profit - there are no adverts on our site and no fees to enter. We are just disgruntled bank customers who, frankly, have had enough.

 

It's time to redress the balance.

the fact you start with "this is pucker" is enough to make me read no further

zico its true. i shat you not!!! do yourself a favour.

 

read this as well

 

http://www.moneysavingexpert.com/cgi-bin/v...141050760,24632

and this

 

http://www.dailymail.co.uk/pages/dmstandar..._page_id=7&ct=5

 

look at the links at the bottom of this article

It's easier if you just stay inside your overdraft limit, isn't it?

It's easier if you just stay inside your overdraft limit, isn't it?

or alternatively just live within your means and don't have an overdraft

You should take Derek's advice. A direct debit could be asked for the day before your cheque as cashed/cleared and they will charge you 25-30 pounds. You then need to speak to them to refund the charge and hope they use common sense to stop you moving banks.

Banks are legalised thieves.

It's easier if you just stay inside your overdraft limit, isn't it?

or alternatively just live within your means and don't have an overdraft

 

Are you all mad

 

Everybody should have a massive overdraft that they never pay back

 

It's the law

 

So if you don't have one, get one then spend it on sh??te

lets all take out huge bank loans and leave the country.

lets all take out huge bank loans and leave the country.

What size loand were you thinking of?

And where shall we go?

lets all take out huge bank loans and leave the country.

 

I like it

 

Those of you who aren't house owners....... take out a series of bank loans then make yourself bankrupt

 

If you've got nothing they can't take nothing then you can do it all again in another 6 years....... It's the future

lets all take out huge bank loans and leave the country.

What size loand were you thinking of?

And where shall we go?

 

as much as we can borrow, and er...somewhere nice and warm with cheap and regular flights back here then we can still see the matches. there must also be plentiful beer, milfs, goats and clackervalve appreciation societies.

there must also be plentiful beer, milfs, goats and clackervalve appreciation societies.

 

Portugal then