Is this your bank ?  (not archived)

"Save for your childs college. Put your money in our bank. "terms" We will use it to make ourselves money. If you don't put money in the account we will penalize you. If you take any out for any reason, ie; emergency etc; we will penalize you.  If you close out the account we will penalize you again with 6 months of interest the rate of which will be our choice.

Barclays bank. Thanks for the great offer

 Hey bank people, I just got this great offer that you guys from Barclays Bank sent me in the mail. I know that in the statistics that this year 20% of fraud is done thru the mail but that don't worry me, you guys are a Bank. .  Heck of a deal too.

Yes, I understand that you bank people will send me more terms and conditions after I sign up. No problem. I can't tell you how happy I am that I am PRE-Qualified. My brother says that pre qualified means that I am only qualified to be qualifed. He's not to smart. He also told me that "all applications accepted" means that some company is just looking for information and they will accept any mail that comes in. That don't worry me cuz you guy's are a Bank. 

I been reedin the interest rate and I notice that it is fixed at 8.99 % fixed* . That's a great deal too but my brother want to know what's that funny looking star shaped thing is next to it. My brother say's that don't mean nutting and I been thinking did he mean from his point of view or yours. Well, that dont worry me none , you guys are a bank.

The default APR has a mistake in it . My brother says you guys missed a couple of places with the decimal point. This here form you guys sent me has 32.34 %. right under the 8.99% box.  You also seemed a little confused on the Grace period date.  You say that I have 20 days grace period from the date of the periodic statement providing I pay my previous balance in full. I kinda understand that but my brother is having a fit. What really confuses me is that you also say that you will determine the APR using the highest rate published in the Money Rates column of the wall street Journal on either the first or last day of the billing cycle. My brother wants to know if I will have a set date for billing. Im not worried though, you guys are a Bank.

This one really get's my brothers dander up. It say's here that you guys will check on other people who I do business with so you can raise my rates even if I pay you on time and maybe was late with another company. I know he's wrong, Insurance companies do that. A bank wouldn't do that sort of thing.  You also say that if I am late sending this form back to you, it will be treated as a non-pre-qualified  application. Does this mean you won't sell my information? Im not worried, you guys are a bank.

I might be starting to get a little concerned. You state that this offer is available to everyone except the residents of Iowa and Puerto Rico. My brother say that's because they have laws against some of the things you guys do. Maybe like you have the right to  change the benefits and features associated with the card or account after it is opened.  I might not be worried , you guys are a bank.

Now it's getting sorta serious. What does it mean when you say "IF I AM A MARRIED WISCONSIN RESIDENT , CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF My MARRIGE OR FAMILY. Aint "Incurred" a dirty word? and how come just Wisconsin and Puerto Rico?  Now when you say that a balance transfer may take up to 3 weeks to post to my other accounts. Please review  your other accounts to determine  if I need to  make a payment to avoid fees or penalties.  Payments To who?  Im not totally worried, you guys are a bank.

Now in one another part of this paper it say's "Barclays will allocate your payment to lower  APR balances before higher APR balances. This means that your savings will be lower if you engage  in transactions that rusult in balances subject to higher  APR's.  Does this mean that I have more than one APR and you will be taking my money and using it to lower the lower rate and the higher rates get higher? I think that's what I mean. Also how come I have to go to the web to get the rest of how you guys do business and to get the rest of you Privacy Policy? I'm not worried, you guys are a bank.

Now this I like, the Free credit scores that you are helping me get. My brother says that everyone is entitled to a couple of free credit reports a year, he says that is a Federal law. What bothers him is the way you say no 'additional" cost to me.  What does it cost from you or whoever get it done? Oh yeah, the Free Monthly Transaction Summar. If you demote my account does that mean that I have to pay for my monthly summary? My brother wants to know what the difference is between  a credit report and a credit score. Isnt the score on the report? One last thing. This great ULTRA ACCOUNT deal you have. It says that it will only cost me $.93 per $100 of my outstanding balance. Does this mean if I go into hock for $10,000 that you will charge my account an extra $93 dollars a month.  I'm not worried , you guys are a Bank.

On the information you sent me the color of the cards that I can pick from are really pretty. What does worry me is how come you don't have a card in plain ole black and white.

Will send in info as soon as I get a chance

Thanks

Gull A Bull.

$29 STOP PAYMENT RENEWAL FEE

Come on now. A $29 fee to stop payment on a check again and again and again on the same check !! This is absurd. The banks cleverly have it arranged that when you okayed the stop payment and you paid your $29 fee (some banks charge $39) the bank will keep charging you at regular intervals on additional fee of $29 again because the bank will only stop payment on a check for a short period of time.

If it's a $50 check you want payment stopped on, in a couple of months it will cost you $87 in fees alone . Original check + first fee of $29 + second fee of $29 + third fee of $29 = $87.

It would be cheaper to just let the original check clear. If you don't pay the renewals and the $50 check clears you are out $79. (original check + one fee of $29.)

This is just for starters.

Question: How many "Automatic Pay's" do you have at your friendly bank?

FYI, ...It is very difficult to stop payment to a vendor/company. The company you make your payment's to generally has to initate the process. (feel like you are losing control yet)

Banking Fee's

This one really hurts. Banking is a necessary evil and believe me most banks are evil. That's not a wild claim. If you make it thorugh this section you will find yourself in total agreement with me.

People do not need an MP3 player, super size plasma TV's or fancy cell phone cases, fact is you don't even need a cell phone or credit card but they do need a bank.

I doubt very seriously if you would pay  hundred's of dollars to stop payment on a $50 check? I didn't think so. That being the case let me get your blood boiling a little more. 

Usually when it comes to talking about the rip off's that your local friendly bank is pulling most folks say' "nah, thats not even legal. IT SHOULD'NT BE. 

 Befor I tell my tale click on the thumb and read the "fees" that this one bank has but you better be sitting when your read it. Pay attention to # 1,6,8,10,11,12,13,17,18,19,20,21,24,25,26,28,29,31,33,36,38,39,40,and 41. # #38 and # 39 are the stop payment and the renewal fee.    

The following is hypothetical but it can easily happen to you. The bank fee's will vary from bank to bank. I have met countless individuals who thought they were victims of "dentity theft" because they had difficulty in balancing their chedck books, only to find out the bank assessed charges for services.

In this senerio the purple words are charges on the thumbnail and the number corresponds with that word.: You get a statement from your bank and there's an error. You call your bank to inquire. # 1 The banker say to bring in your check book so we can go over it.

In doing the research #6  the banker finds that there is a charge back #8  to your account  and that's the reason your check bounced  #25  The banker shows you copies #12 of the checks you wrote and even gets you a copy ofyourstatement #13. In the process of investigating your account the banker finds that you have a savings account that you haven't used #17 for quite some time. You stopped payment#38 on the check in  question and want to know why it cost you $29 more than you thought it would.  After one hour of of examination #33 you ask for a copy of the bankers findings and you ask to have it notarized #31. On your next statement you scratch your head and try to figure out why you have a $183.00 bank charge on your statement .

There are 10 charges that can be assessed to you LEGALLY by your friendly banker.

Click read more for additional information.

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