AIB suck balls

Mambaman · 01-01-2017 08:53PM #1

So I got changed 25 euro for not having the full amount of money in my account for my car insurance. 10 euro from bank and 15 from insurance company.
OK so thought I won't let that happen again. Roll on last Thursday. Made sure I had the right amount in, checked the app and money was taken out and dd was pending. Next day I see an extra 40 euro in my account. Couldn't understand why but anyway couldn't do much till Monday.
Roll on Monday and I get info telling me the payment never went in. Turns out over night aib canceled my direct debit and took 45 euro to pay for quaterly charges and then had the cheek to take another 10 euro off me cause I hadn't the funds to pay the direct debit.
Anybody else have this problem happen to them and can anyone point me in the right direction to different bank with less charges. Tnx.

antodeco · 01-01-2017 08:55PM

Always
Ingesting
Balls

Ghekko · 01-01-2017 08:58PM

Ulster bank 4 euro per month so no surprises.

ytpe2r5bxkn0c1 · 01-01-2017 08:58PM

They were in the right - unpalatable as it is. Any bank would have done the same. You didn't allow for your quarterly fees and had insufficient funds.
Check out the charges for the various banks Ulster Bank elms to lowest for fees but most require a minimum balance held on account to escape fees altogether

biko · 01-01-2017 09:26PM

Did you try their help forum OP?
http://www.boards.ie/ttforum/1621

Atoms for Peace · 01-01-2017 09:30PM

Makes a change for once; its usually the banks doing the screwing.

Mambaman · 01-01-2017 09:32PM

Lyric Uptight Vaccination wrote:

They were in the right - unpalatable as it is. Any bank would have done the same. You didn't allow for your quarterly fees and had insufficient funds. Check out the charges for the various banks Ulster Bank elms to lowest for fees but most require a minimum balance held on account to escape fees altogether

Might be in the right but seems like a **** thing to do. Could they not have let the transaction go through and give me a bill for the quarterly charges. The fact is I spent that money before the bank charges went through. What if I bought some goods with that money in a shop. Would they tell me to bring back the goods?
Looks like ulster bank it is. **** I hate banks.

RossieMan · 01-01-2017 09:40PM

I'm not sure I understand this thread. You're moaning because you didn't have enough money? That's your fault. Quarterly fees are an expense that you should have adjusted for, it's your fault, not the banks.

Atari Jaguar · 01-01-2017 09:43PM

RossieMan wrote: »

I'm not sure I understand this thread. You're moaning because you didn't have enough money? That's your fault. Quarterly fees are an expense that you should have adjusted for, it's your fault, not the banks.

Sort of. The OP said they had a DD come out and AIB cancelled it to charge the Fees. Paint that whatever way you want it's not acceptable for AIB or any bank to cancel a DD without your permission. Now they have 10 euro missed DD from the bank and €15 missed DD from the insurance.

ytpe2r5bxkn0c1 · 01-01-2017 09:46PM

Atari Jaguar wrote: »

Sort of. The OP said they had a DD come out and AIB cancelled it to charge the Fees. Paint that whatever way you want it's not acceptable for AIB or any bank to cancel a DD without your permission. Now they have 10 euro missed DD from the bank and €15 missed DD from the insurance.

Firstly was it a Direct Debt or a Standing Order; many people confuse the two.

The bank had every right to refuse the payment for insufficient funds. You can twist it against the big bad bank all you like but the OP did not have the necessary funds.

bigboss1986 · 01-01-2017 09:46PM

FFS 45€ for 3 months????What a fecking rip off. 48€ a year with Ulster Bank

Cookie_Monster · 01-01-2017 09:49PM

45 for quarterly fees? Robbery...

Mambaman · 01-01-2017 09:51PM

RossieMan wrote:

I'm not sure I understand this thread. You're moaning because you didn't have enough money? That's your fault. Quarterly fees are an expense that you should have adjusted for, it's your fault, not the banks.

Yes I'm moaning but not cause I hadn't enough money to pay my bill. I did pay and then they canceled it.
Might be ok for you but im struggling to get by and it's not easy to pay all my bills but I do. All I'm saying is that they could be a little more understanding. The thing is I had a payment come into the bank the same evening as the charges and would have been plenty there to pay everything.

ytpe2r5bxkn0c1 · 01-01-2017 09:51PM

Cookie_Monster wrote: »

45 for quarterly fees? Robbery...

AIB only charge €4.50 a quarter fees. The OP possibly had a mountain of transaction fees to pay.

Billy86 · 01-01-2017 09:52PM

bigboss1986 wrote: »

FFS 45€ for 3 months????What a fecking rip off. 48€ a year with Ulster Bank

If you think that's bad, my bank in Canada wanted to chrge $30 (€20) a month for a standard current account! :pac:

Kristopherus · 01-01-2017 09:57PM

Lyric Uptight Vaccination wrote: »

Firstly was it a Direct Debt or a Standing Order; many people confuse the two.

The bank had every right to refuse the payment for insufficient funds. You can twist it against the big bad bank all you like but the OP did not have the necessary funds.

S.O's went out with the flood. You'll get a blank stare from a bank official if you ask for one nowadays.:(

ohnonotgmail · 01-01-2017 09:57PM

Mambaman wrote: »

Might be in the right but seems like a **** thing to do. Could they not have let the transaction go through and give me a bill for the quarterly charges. The fact is I spent that money before the bank charges went through. What if I bought some goods with that money in a shop. Would they tell me to bring back the goods?
Looks like ulster bank it is. **** I hate banks.

Who is "they"? There isnt a person sitting there deciding to accept or reject a DD. It is all automated.

ytpe2r5bxkn0c1 · 01-01-2017 09:59PM

Kristopherus wrote: »

S.O's went out with the flood. You'll get a blank stare from a bank official if you ask for one nowadays.:(

I still have some.

Edit. And it seems so do AIB
https://aib.ie/ways-to-bank/aib-direct-debits-and-standing-orders

Edit. And Ulster Bank.
https://supportcentre.ulsterbank.ie/Searchable/913230352/What-is-the-difference-between-a-standing-order-and-a-direct-debit.htm

Blank stares my eye!

ohnonotgmail · 01-01-2017 10:01PM

Lyric Uptight Vaccination wrote: »

I still have some.

In fairness you probably still bank with the Medicis.

MilesMorales1 · 01-01-2017 10:03PM

AIB has those rubbish pay in automated machines, for cash and cheques and that. 3 times those machines sucked up my money, didn't count it properly. I went proper procedure, went to the manager, filled in an incident report, all that stuff, never heard a word, never got a penny back. Tried call the manager in desperation one time, since it was €400 and I was desperate cos it was a lot of money, he called me a liar and threatened to call the gardai on me. Claimed they opened up the machines and checked them, all sorts. Total of €800, never use them again, ****ing gangsters.

ytpe2r5bxkn0c1 · 01-01-2017 10:05PM

ohnonotgmail wrote: »

In fairness you probably still bank with the Medicis.

Hilarious.

Standing Orders are still part of everyday banking.

You do know what a bank is, right?

Mambaman · 01-01-2017 10:07PM

ohnonotgmail wrote:

Who is "they"? There isnt a person sitting there deciding to accept or reject a DD. It is all automated.

Well someone had to set it up.

whoopsadoodles · 01-01-2017 10:09PM

MilesMorales1 wrote: »

AIB has those rubbish pay in automated machines, for cash and cheques and that. 3 times those machines sucked up my money, didn't count it properly. I went proper procedure, went to the manager, filled in an incident report, all that stuff, never heard a word, never got a penny back. Tried call the manager in desperation one time, since it was €400 and I was desperate cos it was a lot of money, he called me a liar and threatened to call the gardai on me. Claimed they opened up the machines and checked them, all sorts. Total of €800, never use them again, ****ing gangsters.

It asks you to confirm the amount and if you say no it returns your money.

Ghekko · 01-01-2017 10:09PM

Sure you can set up standing orders online. Of course they are still part of everyday banking.
Have you actually received a notice of cancellation regarding the dd, or did they just refuse payment on this occasion as there were insufficient funds. As far as I recall from banking days if a dd hasn't been covered by sufficient funds and has to be returned unpaid a certain number of times, the bank can cancel it. I am open to correction on this though.

FobleAsNuck · 01-01-2017 10:10PM

PTSB, no fees

MilesMorales1 · 01-01-2017 10:10PM

whoopsadoodles wrote: »

It asks you to confirm the amount and if you say no it returns your money.

I did. It returned my money, minus the 400 quid or whatever amount.

ohnonotgmail · 01-01-2017 10:11PM

Lyric Uptight Vaccination wrote: »

Hilarious.

Standing Orders are still part of everyday banking.

You do know what a bank is, right?

ah here it was a joke. no need to be cranky.

whoopsadoodles · 01-01-2017 10:12PM

Kristopherus wrote: »

S.O's went out with the flood. You'll get a blank stare from a bank official if you ask for one nowadays.:(

They did in their arse.

Almost every landlord in the country gets paid ny SO. People use them for their savings accounts. For childcare fees. For everything basically that isn't a different amount each time and is paid on the same day each month/week.

ytpe2r5bxkn0c1 · 01-01-2017 10:13PM

ohnonotgmail wrote: »

ah here it was a joke. no need to be cranky.

Crankiness comes as a right of old age when someone tries to take the pïss.

namloc1980 · 01-01-2017 10:14PM

Mambaman wrote: »

Well someone had to set it up.

Under SEPA you actually set up the DD with the originator (the service provider), not the bank.

Mambaman · 01-01-2017 10:15PM

Ghekko wrote:

Sure you can set up standing orders online. Of course they are still part of everyday banking. Have you actually received a notice of cancellation regarding the dd, or did they just refuse payment on this occasion as there were insufficient funds. As far as I recall from banking days if a dd hasn't been covered by sufficient funds and has to be returned unpaid a certain number of times, the bank can cancel it. I am open to correction on this though.

Just checked the days.
It was Wednesday night when payment for insurance went through. All was good Thursday. The payment was pending and the funds where gone from my account with a few quid left over. Then Fri came and the bank stopped the payment and we'll you know the rest.

AIB suck balls

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