help please -AIB threatens me

ani_mal

Hi,
I was AIB customer for 4 years, always good credit, never late with payment.
then I lost my job, and I kept the account open for paying my internet bill every month. Then AIB brought in these charged for "less richer" people and my nightmare has started. I couldn't afford to pay their 15euro monthly charge from my dole (because I have been using internet backing too often, and paid money into the account at the post office) so I taken the 30euro for internet away from there and then I found out there will be charges for using my account at the end of the month -18euro. I couldn't pay it, nor I could close the account.
After writing them a letter stating I can't afford it, but I want to close my account, they refused doing so untill I pay it off. So After 6 months I get this threatening letter, that I have to pay 28euro now (as duty stamp was taken in the mean time from the account)also they may close the account or not, and the interest from debt will grow on it and so on.

Can someone tell me (without leaving mean comments please) what can I do to tell them to F OFF.
There must be something to do so without being ripped off like they ripped the nation.

help appreciated.
thx

anncoates

You might get better answers in the consumer issues forum or something similar

Best of luck with it.

IM0

tell them you own them, thatll tell them.

HondaSami

Pay the €28 ffs, it's hardly a fortune now is it.

Mr. Wong

Walk into one of their branches and throw oxo cubes at them. That'll learn 'em.

Dwork

€28.00. That's your problem? You any good at singing? Doesn't matter, get a cap and go busk. You'll have that in an hour or two. I'm sure you're lying awake at night over it. Imagine if you had a mortgage? jasus wept.

3ndahalfof6

I think you are a wonderfull person (that is the mean comments bit covered), now what eggzackly are you looking for.

GarIT

You have to pay what you rightly owe. Put €5 a week into the account until it's paid off.

P.S. Stop trying to look for help stealing from the banks, they have enough trouble with people not baying back their debits as it is.

CiaranTheGreat

Take a large amount of iron tablets. Tell them the check is in the mail....and by check you really mean a big dark browny black iron filled turd in an envelope.

Latchy

€28 ?

That must be a lot of money down your way ...or something

3ndahalfof6

Latchy wrote: »

€28 ?

That must be a lot of money down your way ...or something

It did not take long for the upper class to appear.

cml387

If all you need your bank account for is the internet, I'd say find some other internet provider(do 3 do PAYG internet?) and close the account and find 28 euro to pay off AIB.

shopaholic01

The bank could argue that you can afford to pay your internet bill, so I doubt there's any point trying to get out of paying.

galwayrush

You'll have to pay the 28 euro, now if it was 28 million you would get away with it.

Mr. CooL ICE

Mr. Wong wrote: »

Walk into one of their branches and throw oxo cubes at them. That'll learn 'em.

Beef or veg stock? C'mon, this is important

michael999999

Join fianna fail, call yourself bertie and become a td. Youll receive millions in corrupt payments and bags of cash then youll have lots of money to pay back the bank!

It also helps if you forget everything!

BostonB

ani_mal wrote: »

...I couldn't afford to pay their 15euro monthly charge...

What charge is 15 euro monthly?

Mr. Wong

LordChessington wrote: »

Beef or veg stock? C'mon, this is important

Veg of course. It's Good Friday!

Solair

To be fair to the OP, certain banks are absolutely gouging people with fees in recent months.

It's going to be back to keeping a pile of cash in a biscuit tin again the way things are going.

Both AIB and BOI have implemented pretty hefty charges on just about every transaction you could possibly make and it does add up rather quickly.

and they charge all sorts of extra fees if you go overdrawn accidentally due to all the fees they charge. This can result in a small lack of money turning into owing them quite a lot of money and if you're on a tight budget it's pretty damn nasty.

Latchy

3ndahalfof6 wrote: »

It did not take long for the upper class to appear.

:rolleyes:

/ Drops gold covered monocle from left eye

3ndahalfof6

Latchy wrote: »

:rolleyes:

/ Drops gold covered monocle from left eye

I was joking too, chillax mon ami crack open a can.:rolleyes: to :cool: to to :eek:.

ani_mal

thx for all the mean comments but not necessary here.

I won't pay, Ireland taxpeyers already bailed these feckers out.
its a princible now to not pay and tell them to get lost.

besides, don't know how many of you are unemployed,
I don't smoke, don't have fancy car, nor skype or any other fecking luxuries.
Simply can't afford to pay this 28euro.
I don't have mortgage cos I knew I won't be able to pay it off, not sure why people liveed/live beyon their means and took this noose with them while buying a house.

and stop wasting my time and find yourself entertainment somewhere else.

SCOOP 64

So wont let you close account you, have only one direct debit,just dont use account ever again find another internet provider, pay as you go, im sure the bank will have bigger fish to fry then constantly after you for €28.

ani_mal

when you don't have it, it is alot. I don't even have 5euro left at the end of the week.

shopaholic01

ani_mal wrote: »

thx for all the mean comments but not necessary here.

I won't pay, Ireland taxpeyers already bailed these feckers out.
its a princible now to not pay and tell them to get lost.

besides, don't know how many of you are unemployed,
I don't smoke, don't have fancy car, nor skype or any other fecking luxuries.
Simply can't afford to pay this 28euro.
I don't have mortgage cos I knew I won't be able to pay it off, not sure why people liveed/live beyon their means and took this noose with them while buying a house.

and stop wasting my time and find yourself entertainment somewhere else.

If you have an internet connection you can use skype, it's free pc to pc.

delta_bravo

3ndahalfof6 wrote: »

It did not take long for the upper class to appear.

So in your eyes having €28 of disposable income is upper class?

HondaSami

ani_mal wrote: »

and stop wasting my time and find yourself entertainment somewhere else.

I think its you who is wasting our time and you are not very entertaining at all.

GarIT

ani_mal wrote: »

when you don't have it, it is alot. I don't even have 5euro left at the end of the week.

You shouldn't have lived beyond your means and spent money you didn't have so.
I thought that was something you were against.

3ndahalfof6

ani_mal wrote: »

thx for all the mean comments but not necessary here.

I won't pay, Ireland taxpeyers already bailed these feckers out.
its a princible now to not pay and tell them to get lost.

besides, don't know how many of you are unemployed,
I don't smoke, don't have fancy car, nor skype or any other fecking luxuries.
Simply can't afford to pay this 28euro.
I don't have mortgage cos I knew I won't be able to pay it off, not sure why people liveed/live beyon their means and took this noose with them while buying a house.

and stop wasting my time and find yourself entertainment somewhere else.

Have you got a toaster, I am asking you have you got a toaster, just answer the question, I knew it you do have luxuries and you never even knew it.

3ndahalfof6

delta_bravo wrote: »

So in your eyes having €28 of disposable income is upper class?

If I had a gold covered monocle I could probably see this reply.

ManMade

If you truly can't afford €28 once off how the hell do you have internet? Surly should consider dropping that of you're that skint.

ani_mal

SCOOP
the problem is they say in the letter they can close it (if the decide to) or not. and the fees agr growing because of the duty stamp, and the fee (they charge fee for everything even when you log into internet banking) I took the money out and wanted to close it right away cos of the fees that are starting, but they told me there will be a charge at the end of the month.

and guys Im serious saying I can't
my internet fee went up and this is the only luxury I have. I don't even drive a car unless I have to (as I have limited fund for petrol) food prices went up (last year I paid 40euro in Lidl -this year for the same shopping its near 70euro) and don't tell me you didn't notice prices going up.

and Im looking for serious answers and help.

ted1

It's 20 cent a transaction, you can't Afford 28 euro but you have 75 transactions a month ? That's 2 and a half a day there must be some money going through your account

SCOOP 64

ManMade wrote: »

If you truly can't afford €28 once off how the hell do you have internet? Surly should consider dropping that of you're that skint.

Steady on now!

HondaSami

ani_mal wrote: »

and guys Im serious saying I can't
my internet fee went up and this is the only luxury I have. I don't even drive a car unless I have to (as I have limited fund for petrol)

You tax and insure a car you don't drive, is that not a waste of money?

jimmycrackcorm

Tell them you are a senior bondholder and they will give you money

shopaholic01

ani_mal wrote: »

SCOOP
the problem is they say in the letter they can close it (if the decide to) or not. and the fees agr growing because of the duty stamp, and the fee (they charge fee for everything even when you log into internet banking) I took the money out and wanted to close it right away cos of the fees that are starting, but they told me there will be a charge at the end of the month.

Eh, no they don't.

Crann na Beatha

This post has been deleted.

ynul31f47k6b59

ani_mal wrote: »

Hi,
I was AIB customer for 4 years, always good credit, never late with payment.
then I lost my job, and I kept the account open for paying my internet bill every month. Then AIB brought in these charged for "less richer" people and my nightmare has started. I couldn't afford to pay their 15euro monthly charge from my dole (because I have been using internet backing too often, and paid money into the account at the post office) so I taken the 30euro for internet away from there and then I found out there will be charges for using my account at the end of the month -18euro. I couldn't pay it, nor I could close the account.
After writing them a letter stating I can't afford it, but I want to close my account, they refused doing so untill I pay it off. So After 6 months I get this threatening letter, that I have to pay 28euro now (as duty stamp was taken in the mean time from the account)also they may close the account or not, and the interest from debt will grow on it and so on.

Can someone tell me (without leaving mean comments please) what can I do to tell them to F OFF.
There must be something to do so without being ripped off like they ripped the nation.

help appreciated.
thx

Pay the money next week out of your dole and do without something for one week. You can't tell them to "F OFF", you owe this money. I absolutely hate this attitude, just because the banks did what they did, you're entitled to dodge your debts? Grow up. You used a service, pay for it. End of.

GarIT

tnx is not a word. Sentences start with capital letters. Sentences cannot start with 'and'.

ani_mal

I am not using this bank for last 6 months, I pay internet directly at the post

Juesus people, solutions or stop spaming.

BostonB

I don't get how if you have no money you can run up €15 worth of charges in a month!

ani_mal

Phoenix wrote: »

Have you engaged with the bank rather than "burying your head in the sand"?

yes I did, at the start. All I got is letters "we don't" care pay. No negotiations no approach nothing.

Micky Dolenz

ani_mal wrote: »

I am not using this bank for last 6 months, I pay internet directly at the post

Juesus people, solutions or stop spaming.

Maybe research the correct forum before you start threads.

Try here. Please read their charter before posting.