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Banks Win Supreme Court ruling!

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Old 26 November 2009, 09:24 AM
  #61  
SunnySideUp
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Originally Posted by Terminator X
Can you re-arrange this - sense, you Pete lot talk of a
TX.
OK, I'll try - here goes ....

You Talk a Lot of Sense, Pete

Why, thank you
Old 26 November 2009, 12:32 PM
  #62  
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Originally Posted by hodgy0_2
do you take the same uncompromising attitude with private wheel clampers? after all they put signs up detailing their T&C's
Yes in your analogy.
You park like a retard, you suffer the advertised consequences.
You bank like a retard, you get the idea

Originally Posted by hodgy0_2
The banks settled cases on the basis that the charges were very very opaque – and they did not want to justify them in a court – just like dodgy wheel clampers
Not so in this case, the banks settled out of court to prevent it going to court and precedent being set.

Originally Posted by Lisawrx
Banks make mistakes as well as customers
Not the arguement here, or indeed the ruling.
This is/was about the charges that were crystal clearly definded in the T&Cs you signed to open the account.
Old 26 November 2009, 01:33 PM
  #63  
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You have paid them ... interest gained on your money, OD charges that you incurred as noted above, interest on any bank loans etc etc It's not "free"!

TX.

Originally Posted by SunnySideUp
So, they lost a job and a future customer ...... not really the same as a Bank Account Customer situation is it? I get free advice from my Bank, they will tell me what I have in my accounts if I ask them, they come around to my house and discuss financial options, they provide a warm office at their bank with coffee and biscuits ...... and I have never paid them a penny! A WORLD away from the Subaru Specialist who will only help for a palm full of silver!
Old 26 November 2009, 01:41 PM
  #64  
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Originally Posted by Terminator X
You have paid them ... interest gained on your money, OD charges that you incurred as noted above, interest on any bank loans etc etc It's not "free"!

TX.
EH?

They pay me interest on my money - currently I am getting 4% on my current account. What they lend it out at is their business, not mine.

OD charges? - none paid, any that were refunded immediately.

Bank Loans? - None.

You are right, it's not FREE ..... they are paying me 4% on every penny I have with them

Will do me just fine. I agree numpties who cannot manage their money are paying for my intelligence ...... but, that's life I'm afraid.
Old 26 November 2009, 01:49 PM
  #65  
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They make more than they pay you in interest, if you're getting 4 then they're making 6! 4%, yeah right

TX.

Originally Posted by SunnySideUp
They pay me interest on my money - currently I am getting 4% on my current account. What they lend it out at is their business, not mine.
Old 26 November 2009, 01:54 PM
  #66  
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Halifax pay 4% on current account balances.
It's their gimmick.
Old 26 November 2009, 02:00 PM
  #67  
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^^ This is what their website says:

"We no longer offer the High Interest Current Account, but we have launched a current account that offers an alternative to earning interest on your balance"

Not any more by the looks of it ...

TX.
Old 26 November 2009, 02:45 PM
  #68  
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yeah but if you jumped in and meet the criteria for keeping it open (minimum monthly deposit, dont go o/d etc) then you may well still get the rewards.
I did this with Brclaycard about 10years ago, 0% balance transfer with 0% fees as long as youpend a minimum of £1 per month and met the minimum payment on time.
They quickly realised it was a great offer and pulled it, but provided you met the criteria they couldn't (despite their best efforts) kick anyone off it.
Old 26 November 2009, 07:22 PM
  #69  
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My 4% is with a Lloyds Current account .... Terminator X is a classic case of those who simply do nothing, but question those who are clever enough to make their money work hard for them

Anyone sitting on money at less than 3.2% need their butts kicking - actually, scrub that, the more who sit there with their thumbs up their bums are allowing me to mop up ..... carry on with apathy
Old 26 November 2009, 07:27 PM
  #70  
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Originally Posted by SunnySideUp
My 4% is with a Lloyds Current account .... Terminator X is a classic case of those who simply do nothing, but question those who are clever enough to make their money work hard for them

Anyone sitting on money at less than 3.2% need their butts kicking - actually, scrub that, the more who sit there with their thumbs up their bums are allowing me to mop up ..... carry on with apathy
i bet your **** doesn't smell either
Old 26 November 2009, 07:43 PM
  #71  
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Originally Posted by hodgy0_2
i bet your **** doesn't smell either
Don't be silly ..... of course it smells ....
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of ROSES!
Old 26 November 2009, 09:16 PM
  #72  
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Originally Posted by SunnySideUp
Don't be silly ..... of course it smells ....
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of ROSES!

I know -- I was only joshing
Old 27 November 2009, 10:41 AM
  #73  
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I'm more a quality street man myself
Old 27 November 2009, 05:54 PM
  #74  
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I don't believe any of your BS fella ...

TX.

Originally Posted by SunnySideUp
My 4% is with a Lloyds Current account .... Terminator X is a classic case of those who simply do nothing, but question those who are clever enough to make their money work hard for them
Old 27 November 2009, 06:17 PM
  #75  
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Originally Posted by Terminator X
I don't believe any of your BS fella ...

TX.
Do you think I care one jot??

Anyone can look on the Lloyds webstite at the rates paid on the Vantage account and see that I speak the truth and you are a clown
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