Mar. 23rd, 2007

jazzy_dave: (Default)
Concerning the on-going debate about bank charges this artcle i scanned from Reuters --
"LONDON (Reuters) - Almost two-thirds of people hit by "unfair" overdraft charges have yet to try to reclaim the money, a study reveals. Some 64 percent of bank customers have not asked for a rebate of charges levied for slipping into the red beyond their agreed overdraft, according to consumer group Which?
A fifth of them said they feared how their bank would react, while 22 percent thought it would be too complicated and a third said they would not know how to go about it. Of those who had made a claim, 85 percent had been successful in getting at least some of the money refunded, the survey showed.
But a quarter of them said their bank had been unhelpful and unresponsive, while a further third said they had to chase their bank for a response.
Emma Bandey, personal finance campaigner at Which?, said: "Banks need to get their act together and deal with this problem. It can't be good for the banks' image that so many people found them less than helpful."
But she said consumers should not be deterred.
"Claiming back unfair bank charges is a simple process that won't take up hours of your time.
"If your bank does not co-operate, you should refer the case to the Financial Ombudsman Service (FOS) as so far the banks have chosen to settle all cases referred to FOS."
For the past six months the Office of Fair Trading has been investigating the charges that are levied when customers go beyond their overdraft limit, and a ruling on whether they are lawful is due within weeks.
But consumers are refusing to wait and are taking legal action to reclaim the penalty charges.
More than 1.25 million people are tackling their banks on the issue.
However some companies have introduced new fees -- such as credit card and current-account fees -- to offset the money they expect to lose from the crackdown.
YouGov surveyed 2,228 adults with bank accounts for Which? "

Also on the excellent Whistleblowers programme on  BBC TV (Tuesday night),an investigation into fraud and other things at Barclays Bank, a bank official admitted that it only cost them about £2 to £3 to notify customers of bank charges for going over their limit or having bounced cheques or failed direct debits etc but still charged them an over-the-top £30 charge per transaction.
 This just bolsters the argument that the banks have ripped us of for far too long..
 Meanwhile,my bank has sent me another letter with a leaflet called "Complaints" detailing the procedures on how to make a complaint which i am already doing anyway. It is just another delaying tactic in the endless spin they try to pull over our eyes.

Dapper Moi

Mar. 23rd, 2007 12:38 pm
jazzy_dave: (Default)
Met GC and David Bennett at Costa Coffee for a chinwag this morning. I just been to Fopp to get the latest Wire magazine which i shall read this afternoon at Tesco's in Portslade,and also bought a book about London's famous routemaster buses called "The Bus We Loved,London's Affair With The Routemaster" by Travis Elborough (Granta) for £5. 

GC commented how dapper i looked with my grey shirt and cream spotted red tie,and suggested i looked like a model. Just had to laugh about that one.

The weather is dull and overcast and it has started to rain so i will be glad to stay indoors at Tesco.
jazzy_dave: (Default)
This damn Tesco survey means i have to be in the place til 9pm even though it takes just 2 to 3hrs to do 46 quick one page surveys butthe client wants it spread over a 6 hour period. Jeeesuus!!! So to eek out the time i visited the charity shops and a record shop near Portslade station,and visited two pubs and had two pints of beer to stretch the time out. But isn't it silly and a waste of time when it could be done so easily and finished by 6pm rather than to stretch it out til 9pm. Oh well i only have a Sunday to do and its not this Sunday but the following one.- thank goodness.

Picked up two LP's here ,one by Lulu and an Eartha Kitt live LP on Countour.

[profile] bagrec was trying to work out the logic of three DVD's for £20 but asking the price for a single one got the response that it was £20 but then this seems to be typical of the big chains. It is highly illogical Captain as Spock would have said.

Presonally,unless i have a voucher to exchange, i tend to keep well away from the big chains and  i much prefer the independents such as Rounder,Borderline,Resident,Sister Ray,Rough Trade and Fopp.

Well only 45 minutes to go and then i can go home.

Oh and the cheque for £286 from FRA finally came today.

Profile

jazzy_dave: (Default)
jazzy_dave

June 2025

S M T W T F S
123 4567
891011121314
15161718192021
22232425262728
2930     

Most Popular Tags

Style Credit

Expand Cut Tags

No cut tags
Page generated Jun. 14th, 2025 12:47 am
Powered by Dreamwidth Studios