Students do get a little xtra
I was doing some research for a thread in relation to what each bank charges for copy statements when I came across the HBOS site, which is offering, I believe the highest OD facility for students.
It states under charges
Paid items that takes you over an agreed overdraft
Students ?0 per item(no more than 1 per day)
Personal customers ?0 per item (no more than 3 per day)
Cardcash No charge
under 18's no charge
Failed or returned items
Students ?0 per item(no more than 1 per day)
Personal customers ?9 per item(no more than 3 per day)
Cardcash(see above)
Under 18's no charge
I'll come back with how much the banks in general are charging international studentsWell, those charges are news to me!
I have a student account (soon to be 2nd yr) and I get charged ?8 (overlimit) and ?5 (paid items)...Double check with your bank about those. I included an overdraft arrangement fee in my (HSBC) claim on the basis that I was told that they weren't supposed to apply to student accounts.i have a hsbc account with a student overdraft of 1500. which they regulary allow me to go over.
to clarify i can go into a shop put through some food for ?0 and it will go through even if i am already as i once was ?843 overdrawn
which meant i would now be ?63 pounds o/d.
however they wont let me take cash out of a cash machine. i have never been charged for this or wrote to or called.
my friend same age same o/d same bank hsbc does get called the only difference is i am working and money is constantly going in and out of the account where as his account can go 3 - 4 months without any payments in.
neither of us have been subject to any chargesFunny thing is. Last year I had about 1 or 2 failed Direct Debits and in may, June and was mad worried I had been charged. Funny thing , I was mad scared I had to pay charges although never didI don't like the general idea of student accounts anyway - I didn't want to get one because of the temptation to say 'oh, don't worry about that extra ?0/?0/?0; I've got a ?,500 OD limit'. I'm careful with money, but the temptation would still be there. I think that to automatically give someone an effective ?,500 loan just because they're classed as 'student' could under another name be called irresponsible lending.
I'm a student, and living in a 'University town', and feel sick to my stomach at the way the vultures move in - in the town centre, there are stands everywhere offering almost every financial 'service' available, and reps specifically target people my age. Here, have a credit card. Here, have a loan. Here, have Sky+. Car? Here you go, don't worry about the payments, we've got a stand, so it's all right.
As I mentioned on one of my threads about Abbey about a month ago, when I went into my bank to get a charge refunded (long story, their fault in the first place), the FIRST thing the rep asked me was why I didn't have a student account. Not, 'sorry you've had to come in to sort this out' or even 'let me try and see what I can do here' - no - WHY don't you have one of our services? Implying (in my mind) that I was irresponsible or not quite right in the head to not WANT to put myself in debt to them to the tune of ?,500. And people wonder why student debt is spiralling out of control in this country.
Ahem. Rant over.
Price of copy statements
Challenging information on
Record profits for Post Of
'One of Them'
The end of free banking...
OFT and unfair relationshi
Banks Workers spill some i
NatWest Students - Card Mi
Info for RBS Group Credit
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It states under charges
Paid items that takes you over an agreed overdraft
Students ?0 per item(no more than 1 per day)
Personal customers ?0 per item (no more than 3 per day)
Cardcash No charge
under 18's no charge
Failed or returned items
Students ?0 per item(no more than 1 per day)
Personal customers ?9 per item(no more than 3 per day)
Cardcash(see above)
Under 18's no charge
I'll come back with how much the banks in general are charging international studentsWell, those charges are news to me!
I have a student account (soon to be 2nd yr) and I get charged ?8 (overlimit) and ?5 (paid items)...Double check with your bank about those. I included an overdraft arrangement fee in my (HSBC) claim on the basis that I was told that they weren't supposed to apply to student accounts.i have a hsbc account with a student overdraft of 1500. which they regulary allow me to go over.
to clarify i can go into a shop put through some food for ?0 and it will go through even if i am already as i once was ?843 overdrawn
which meant i would now be ?63 pounds o/d.
however they wont let me take cash out of a cash machine. i have never been charged for this or wrote to or called.
my friend same age same o/d same bank hsbc does get called the only difference is i am working and money is constantly going in and out of the account where as his account can go 3 - 4 months without any payments in.
neither of us have been subject to any chargesFunny thing is. Last year I had about 1 or 2 failed Direct Debits and in may, June and was mad worried I had been charged. Funny thing , I was mad scared I had to pay charges although never didI don't like the general idea of student accounts anyway - I didn't want to get one because of the temptation to say 'oh, don't worry about that extra ?0/?0/?0; I've got a ?,500 OD limit'. I'm careful with money, but the temptation would still be there. I think that to automatically give someone an effective ?,500 loan just because they're classed as 'student' could under another name be called irresponsible lending.
I'm a student, and living in a 'University town', and feel sick to my stomach at the way the vultures move in - in the town centre, there are stands everywhere offering almost every financial 'service' available, and reps specifically target people my age. Here, have a credit card. Here, have a loan. Here, have Sky+. Car? Here you go, don't worry about the payments, we've got a stand, so it's all right.
As I mentioned on one of my threads about Abbey about a month ago, when I went into my bank to get a charge refunded (long story, their fault in the first place), the FIRST thing the rep asked me was why I didn't have a student account. Not, 'sorry you've had to come in to sort this out' or even 'let me try and see what I can do here' - no - WHY don't you have one of our services? Implying (in my mind) that I was irresponsible or not quite right in the head to not WANT to put myself in debt to them to the tune of ?,500. And people wonder why student debt is spiralling out of control in this country.
Ahem. Rant over.
Quote:
Example Unordered List
APACS your friendly financPrice of copy statements
Challenging information on
Record profits for Post Of
'One of Them'
The end of free banking...
OFT and unfair relationshi
Banks Workers spill some i
NatWest Students - Card Mi
Info for RBS Group Credit
