Socialist Democrat Scum Protect YOU From Overdraft Fees!! OMGZORZ

so now instead of coming home at night and seeing you got a $30 fee for a bank to cover you an extra day or 2 while your check clears on your cable payment instead you will come home and your cable will be out and you will have to call and beg for them to turn it on and they will charge you $50 processing fee..

Sweet.
 
I suppose it's too fricking difficult for people to know what their account balance is, so we must make the banking industry babysit that number for us.
 
I find it strange anyone would object to the government getting involved. Why do some people believe business has to resort to less than straight forward practices in order to do business?

As previously explained the ATMs could easily let individuals know a withdrawal will result in overdraft fees. What beliefs do some folks live by? Is the goal of business to try and hide information or mislead people? That appears to be the common sentiment.
 
WinterBorn said:
When I use my bank's ATM, I am asked if I want to see a balance. I get this same option on most ATMs. The fact that I decide not to do so is my fault, not theirs.

What people forget is that when they spend more money than they have in the bank, its not the bank's money they are spending. Its not their money they are spending. Its some other person's money that they deposited that you are spending..
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No. The banks money is really the banks money. They've guarranteed to pay it bak to others, but it's still their money.

WinterBorn said:
Is it really so hard to keep track of how much money you have in your checking acct? Maybe a little less instant gratification and a little more care in handling your money would solve this without gov't interference.
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What's so hard about requiring the banks to inform you of when you have no money before they proceed to fucking charge you for it? This service literally costs NO money. It's common sense. More information in the system is a GOOD thing.

Conservatives go to any lengths to ensure "personal responsibility" on the side of the consumer and assure no responsibility whatsoever on the side of the corporation.
 
no-BAMA! said:
What's so hard about requiring the banks to inform you of when you have no money before they proceed to fucking charge you for it? This service literally costs NO money. It's common sense. More information in the system is a GOOD thing.

Conservatives go to any lengths to ensure "personal responsibility" on the side of the consumer and assure no responsibility whatsoever on the side of the corporation.
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again, I ask the question, whats so hard about maintaining your own account balance and knowing how much you have before you withdraw any money?
 
SmarterThanYou said:
again, I ask the question, whats so hard about maintaining your own account balance and knowing how much you have before you withdraw any money?
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Sometimes you make a MISTAKE. Big fucking deal. The corporations shouldn't rig the system so that they're more likely to draw in money because of mistakes. All information should be present on both sides before any transaction, to avoid MISTAKES. Corporations should not make money off of people who have NO INTENT to overdraw, because INTENT is the ultimate source of moral responsibility.
 
Now, sometimes damage happens without intent, and in that case there is simply no one to turn to but the person who made the mistake. This is not necessarily desirable, it's just a least worst situation.

But imagine if I were car driver with a button in the car that allowed me to prevent crashes. Imagine if I ALWAYS pushed the button to allow our cars to crash, because I knew I would make out sweetly in an insurance deal from this. It would be immoral of me, because it is immoral to profit off of mistakes that only happen because I refuse to prevent them.
 
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meme said:
This administration can save us from overdraft fees but can't protect us from terrorist, how bout that..
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So true.

But liberals need the government to take care of them, because they are too stupid to understand that when you have no money in your account, you should not be writing checks or using the ATM.
 
Watermark said:
Sometimes you make a MISTAKE. Big fucking deal. The corporations shouldn't rig the system so that they're more likely to draw in money because of mistakes. All information should be present on both sides before any transaction, to avoid MISTAKES. Corporations should not make money off of people who have NO INTENT to overdraw, because INTENT is the ultimate source of moral responsibility.
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When are people going to start being responsible for their own mistakes, rather than blame it on everyone and anything else under the sun? It gets old very quickly.
 
TuTu Monroe said:
When are people going to start being responsible for their own mistakes, rather than blame it on everyone and anything else under the sun? It gets old very quickly.
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When are people going to stop setting up things so that the most mistakes possible happen so that they can profit off of the situation?

The mistakes are the responsibility of the bank, for willfully creating a vacuum of information. Conservatives like you need to be taken out and shot.
 
Willfully setting up things because you know mistakes will happen is immoral and evil. People who do that need to be taken out and shot, people who support people who do that need to be TAKEN OUT AND SHOT.

There is not enough pain you can inflict on a conservative to cause justice.
 
Watermark said:
When are people going to stop setting up things so that the most mistakes possible happen so that they can profit off of the situation?

The mistakes are the responsibility of the bank, for willfully creating a vacuum of information. Conservatives like you need to be taken out and shot.
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Not much chance of that ever happening to me, but to you, a very big chance.

Nope, it's not the bank's responsibility, but all yours. I blame the banks for jacking up their fees in a time of recession. You don't have enough money to cover it, it's all yours, baby. Maybe one day you might learn your lesson, but it's highly doubtful.
 
TuTu Monroe said:
Not much chance of that ever happening to me, but to you, a very big chance.

Nope, it's not the bank's responsibility, but all yours. I blame the banks for jacking up their fees in a time of recession. You don't have enough money to cover it, it's all yours, baby. Maybe one day you might learn your lesson, but it's highly doubtful.
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I have never had a single overdraft fee.

There really is no question of personal responsibility here. Required information sharing so that consumers may reach a rational choice increases the amount of personal responsibility in the system.
 
I'm just wondering guys... maybe in your degenerate sense of morality this is not a sneaky practice. You choose to hide behind your distorted sense of "personal responsibility", buyer beware etc... instead of requiring people to be decent human beings who makes decent dollars through honest business practices. That's fine. We're Americans. We have a right to be scumbags.

But honestly, how does requiring banks to do the trivial task of telling people that their account is going to be overdrafted, so that they can make an informed choice in the matter, REDUCE the amount of personal responsibility in the system? It's not like we're abolishing overdraft fees here. We're just requiring that they be procured in an HONEST way, in a way that insures that they are only procured through intent and not through mistake. This is commmon sense, obvious to any common working American, and elitist conservatives refusal to see this really just goes to show how degenerate they've become as human beings.
 
Watermark said:
I'm just wondering guys... maybe in your degenerate sense of morality this is not a sneaky practice. You choose to hide behind your distorted sense of "personal responsibility", buyer beware etc... instead of requiring people to be decent human beings who makes decent dollars through honest business practices. That's fine. We're Americans. We have a right to be scumbags.

But honestly, how does requiring banks to do the trivial task of telling people that their account is going to be overdrafted, so that they can make an informed choice in the matter, REDUCE the amount of personal responsibility in the system? It's not like we're abolishing overdraft fees here. We're just requiring that they be procured in an HONEST way, in a way that insures that they are only procured through intent and not through mistake. This is commmon sense, obvious to any common working American, and elitist conservatives refusal to see this really just goes to show how degenerate they've become as human beings.
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Exactly. That's the kind of thinking that led to the current financial fiasco. Hands off the "invisible hand". That's why white collar crime is not punished the same as other crimes. Dubious practices are rewarded. As long as one is not holding up individuals with a gun sneaky, underhanded, half-truths are considered smart business practices.

Be it large corporations or the "little business man" rewarding such behavior does nothing to improve society.
 
Watermark said:
I'm just wondering guys... maybe in your degenerate sense of morality this is not a sneaky practice. You choose to hide behind your distorted sense of "personal responsibility", buyer beware etc... instead of requiring people to be decent human beings who makes decent dollars through honest business practices. That's fine. We're Americans. We have a right to be scumbags.

But honestly, how does requiring banks to do the trivial task of telling people that their account is going to be overdrafted, so that they can make an informed choice in the matter, REDUCE the amount of personal responsibility in the system? It's not like we're abolishing overdraft fees here. We're just requiring that they be procured in an HONEST way, in a way that insures that they are only procured through intent and not through mistake. This is commmon sense, obvious to any common working American, and elitist conservatives refusal to see this really just goes to show how degenerate they've become as human beings.
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The only people who are degenerates are the people who will not take responsibility for their own actions. Of course, we've known that about liberals for a very long time and quite frankly, it gets pretty old.
 
TuTu Monroe said:
The only people who are degenerates are the people who will not take responsibility for their own actions. Of course, we've known that about liberals for a very long time and quite frankly, it gets pretty old.
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Yea, well, sometimes a pretty dress just drives a man crazy!:D
 
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