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  1. #1
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    ****s - Lloyds TSB and ATM Theft in Los

    [rant]
    If, like me, you have an offshore account with Lloyds TSB in Gurnsey, for which you need to pay GBP 75 or more per annum (depending on the account you have and how many) for the delight of even having an account, then please be aware there is now a new form of ATM theft:

    Last week Lloyds TSB hiked the loading fee it charges on overseas debit-card transactions from 2.75 per cent to 2.99 per cent. Once a second fee of 2 is added, it will cost you 4.99 to take 100 out of a cash machine abroad.
    source: Five hidden summer holiday rip-offs - Times Online

    [/rant over]

  2. #2
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    ^ 'ave a moan, how often do u take money out of it??

    besides in Burma they wanted 20% for a cash advance off a credit card, now thats fckn robbery!

  3. #3
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    ^seriously, you charge me an annual fee for even having a fucking account in the first place, then you charge me for ATM withdrawals.

    As it happens, all round this is now a very bad deal for me. I make around 20% of my monthly revenue in $$$$ss, which is paid to Lloyds TSB in Gurnsey, and which I now need to pay to take out of at a rate of 5% or so.

    Fuck it, I'm going to retire.

  4. #4
    watterinja
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    What are their reasons for doing this, William?

  5. #5
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    HSBC is better, 25 USD for cash advance of 400 Euros

    And most places in Europe now will charge between 10% and 20% for cash advance because of too many bank frauds, they don't want to take the risks

    so 5% withdrawal fee is actually a good deal. Things could get worse like with the Swiss Banks, where you have to thank your banker even when he is overcharging you or else he kicks you out and keep your money (or lose it)

  6. #6
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    Quote Originally Posted by watterinja View Post
    What are their reasons for doing this, William?
    to be honest, the only reason I can think of is that they are no longer allowed to charge late penalty fees on credit card payments, so poor old expat will get it in the neck.

    Now I have two options when I visit Cape Town in December, walk around with several grand $$ss in cash in a DD-style bum bag, or pay through the nose every time I use my card.

    Thanks guys, bet you'll still be taking my fucking annual charge you b'stards

  7. #7
    watterinja
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    How do travellers' cheques stack up against these ATM overhead costs?

  8. #8
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    ^^ they don't need a reason thieving banks!

  9. #9
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    Quote Originally Posted by William View Post
    Quote Originally Posted by watterinja View Post
    What are their reasons for doing this, William?
    to be honest, the only reason I can think of is that they are no longer allowed to charge late penalty fees on credit card payments, so poor old expat will get it in the neck.

    Now I have two options when I visit Cape Town in December, walk around with several grand $$ss in cash in a DD-style bum bag, or pay through the nose every time I use my card.

    Thanks guys, bet you'll still be taking my fucking annual charge you b'stards

    moan moan moan, 5 pounds per hundred?? big deal!

  10. #10
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    Quote Originally Posted by watterinja View Post
    How do travellers' cheques stack up against these ATM overhead costs?
    To be honest not sure. The last time I used TCs was in India. At the time Amex ran an avert saying if your TCs were lost or stolen, you'd get a replacement within 24 hours.

    I had failed to see the small print at the bottom that said this didn't apply to India, where, at the time (1995), computers the size they were using during WWII had just arrived, and in which case it took over two weeks. That experience kind of put me off the whole TC thing - especially given I was robbed from start to finish in India in one way or another

  11. #11
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    Quote Originally Posted by mrT View Post
    Quote Originally Posted by William View Post
    Quote Originally Posted by watterinja View Post
    What are their reasons for doing this, William?
    to be honest, the only reason I can think of is that they are no longer allowed to charge late penalty fees on credit card payments, so poor old expat will get it in the neck.

    Now I have two options when I visit Cape Town in December, walk around with several grand $$ss in cash in a DD-style bum bag, or pay through the nose every time I use my card.

    Thanks guys, bet you'll still be taking my fucking annual charge you b'stards

    moan moan moan, 5 pounds per hundred?? big deal!
    No, it not 5 pounds per hundred - including annual fees, it works out much fucking higher than that!

  12. #12
    watterinja
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    I used TC's in many of my global travels. I found them to be invaluable. Sign each one as a precaution & they are pretty safe - especially if accompanied with suitable ID. Later, when I lived in the US, I relied on an AMEX card, but always carried some TC's in reserve.

    Also a nice way to shift large sums of dosh across borders.

  13. #13
    lom
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    But William, Guernsy banks are only for people who want to avoid paying tax.
    And they are usually rich buggers who can afford those fees.

  14. #14
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    wot eva, 5 more minutes charging a client!

  15. #15
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    Quote Originally Posted by lom View Post
    But William, Guernsy banks are only for people who want to avoid paying tax.
    And they are usually rich buggers who can afford those fees.
    yes, I see your point. But either charge me an annual fee, or per withdrawal transaction - but not both.

    Even in my business we don't get away with that scam

  16. #16
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    Quote Originally Posted by mrT View Post
    wot eva, 5 more minutes charging a client!
    Duly noted sir.

  17. #17
    watterinja
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    ^^^ You pissed?

  18. #18
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    ^pissed off, yes.

  19. #19
    watterinja
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    Quote Originally Posted by William View Post
    Quote Originally Posted by lom View Post
    But William, Guernsy banks are only for people who want to avoid paying tax.
    And they are usually rich buggers who can afford those fees.
    yes, I see your point. But either charge me an annual fee, or per withdrawal transaction - but not both.

    Even in my business we don't get away with that scam
    What about the interest they make by using your money for investments?

  20. #20
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    ^we don't want to go down that road. How many times have % rates been raised in the UK over the last 12 months? How many times have these been passed on to customers?

    ****s, the lot of them!

  21. #21
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    ^ yes they are, but since i have a significant number of shares in the banking sector i am more than happy to allow them to make extraordinary amounts of money!

  22. #22
    watterinja
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    ^^ My uncle was a Bank Director (Barclays SA) at Head Office. I was advised that I could either be an engineer, or a banker. I chose the wrong one.

  23. #23
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    ^^well I hope you get burnt in the sub-prime mess (*actually, I don't )

  24. #24
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    Quote Originally Posted by watterinja View Post
    ^^ My uncle was a Bank Director (Barclays SA) at Head Office. I was advised that I could either be an engineer, or a banker. I chose the wrong one.
    No mate, should have become a really useful member of society, such as a lawyer

  25. #25
    watterinja
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    ^ What was it that Voltaire said during the French Revolution?

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