Profile for daveshane:
The dude in The Big Lebowski was based on me. That's all you need to know
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The dude in The Big Lebowski was based on me. That's all you need to know
Recent front page messages:
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Best answers to questions:
» Debt pron
free money
This post is quite apt for this qotw.
All these banks who charge £30 for going £5 over your limit are not allowed to do it. Ask for it back and they HAVE to pay you back.
Basically, the OFT (Office of Fair Trading) have said that any bank that charges more than £12 in fees is taking the piss. So, you can write to your bank and reclaim them. Honest!!
go and read this site:
www.fool.co.uk/news/Comment/2006/c060630f.htm
All you have to do is get a list of all charges made against the account in the past 6 years (you can't reclaim if it's older than that). Your bank is obliged to send you the information under the Data Protection Act.
Then, ask for it back. The bank will say no, then they will say no again, then they will say no some more. After that, you take them to the small claims court. They will then shit themselves and cough up the lot - plus interest - before the court case comes around.
You can do this on EVERY card and account you have.
Remember to click "I like this" so more people see it.
Together we CAN beat the banks!!.... well, maybe reduce their profits to less than eleventy billion dollars a picosecond.
EDIT: someone reminded me that some banks will close your account down after you claim your charges back, so you should open a second account - even just a "basic" bank account will do (if its just for paying in wages and dd's etc) - most banks offer them. (I am opening one with natwest - just in case!)
(Sat 25th Nov 2006, 17:21, More)
free money
This post is quite apt for this qotw.
All these banks who charge £30 for going £5 over your limit are not allowed to do it. Ask for it back and they HAVE to pay you back.
Basically, the OFT (Office of Fair Trading) have said that any bank that charges more than £12 in fees is taking the piss. So, you can write to your bank and reclaim them. Honest!!
go and read this site:
www.fool.co.uk/news/Comment/2006/c060630f.htm
All you have to do is get a list of all charges made against the account in the past 6 years (you can't reclaim if it's older than that). Your bank is obliged to send you the information under the Data Protection Act.
Then, ask for it back. The bank will say no, then they will say no again, then they will say no some more. After that, you take them to the small claims court. They will then shit themselves and cough up the lot - plus interest - before the court case comes around.
You can do this on EVERY card and account you have.
Remember to click "I like this" so more people see it.
Together we CAN beat the banks!!.... well, maybe reduce their profits to less than eleventy billion dollars a picosecond.
EDIT: someone reminded me that some banks will close your account down after you claim your charges back, so you should open a second account - even just a "basic" bank account will do (if its just for paying in wages and dd's etc) - most banks offer them. (I am opening one with natwest - just in case!)
(Sat 25th Nov 2006, 17:21, More)
» Not Losing Your Virginity
signals, what signals?
Was rather infatuated with a girl I lived with, but being shy and insecure I didn't do anything about it except flirt and tell her how good she looked whenever I was really drunk.
One night I was lay on one of the two couches in the living room, stoned out of my gourd, and she came in from a night out looking all dishevelled and sexy.
Whilst chatting away as she lay on the other couch, she dropped "I'm dying for a snog" into the conversation. Me, being stoned (and a gormless cunt) didn't see the blatant come on, and said "you could have any bloke you wanted, you could..."
The next morning I punched myself in my stupid fat face. repeatedly.
(Tue 31st Oct 2006, 1:36, More)
signals, what signals?
Was rather infatuated with a girl I lived with, but being shy and insecure I didn't do anything about it except flirt and tell her how good she looked whenever I was really drunk.
One night I was lay on one of the two couches in the living room, stoned out of my gourd, and she came in from a night out looking all dishevelled and sexy.
Whilst chatting away as she lay on the other couch, she dropped "I'm dying for a snog" into the conversation. Me, being stoned (and a gormless cunt) didn't see the blatant come on, and said "you could have any bloke you wanted, you could..."
The next morning I punched myself in my stupid fat face. repeatedly.
(Tue 31st Oct 2006, 1:36, More)
» Local Nutters
one note harmonica man
There was this man in Manchester, who I havent seen around for a while now, who was probably not that insane at all but purely after some sympathy.
He'd stand, with his donkey jacket and flat cap on, playing into a harmonica, but only ever playing one note. so for a hundred yards either way of where he was standing, you'd hear "pheep" ... ... ... "pheep"... ... ... "pheep" ... ... ... "pheep"... ... ...
This would continue all day long.
(Sat 18th Sep 2004, 10:16, More)
one note harmonica man
There was this man in Manchester, who I havent seen around for a while now, who was probably not that insane at all but purely after some sympathy.
He'd stand, with his donkey jacket and flat cap on, playing into a harmonica, but only ever playing one note. so for a hundred yards either way of where he was standing, you'd hear "pheep" ... ... ... "pheep"... ... ... "pheep" ... ... ... "pheep"... ... ...
This would continue all day long.
(Sat 18th Sep 2004, 10:16, More)