I deposited my work check (major co) as I have every 2 weeks for 8 plus years.  This morning, I have 108 in NSF fees. No idea why.  Account wasn't in a negative balance and the purchases made were covered by avail balance.
210704
It really does sound like a mistake to me. However, do you have any idea how much money banks make in NSF fees? Billions of dollars every year! They make far more money this way than they do off loans or other investments each year. \n\nThink about this: A bank has a fee of $1.00 for the use of its ATM by those who do not have a checking account with the bank owning the machine. If they have even only 50      machines nationwide and ten individuals who do not have an account with them use each one a day that earns the bank $182,000.00 yearly. However, we know banks have more than fifty nationwide, heck they are all over the place. When people travel they don't stop to find out where their bank branch is where they are going. Also, when people are out and about it is just "easier" to pull money out of the nearest machine, after all its only a buck right? Wrong!\n\nThese fees are were banks are making a killing. It is one of those hidden taxes we pay each day without realizing we are even doing so. Also, did you know that when you have a visa check card and use it as a debit card in a store instead of having it swiped as a credit you are charged for that swipe? Yep, anywhere from .25 to a $1.00 depending on the bank. How many people do you see every day in stores using their visa check cards on debit purchases? Tons! Banks are making a killing with these scams. Individuals trying to balance their check books often just see these weird small charges and deduct them without much thought as it is just too darn frustrating to try to figuare out where that $4.00 descrepency came from and it is only $4.00 after all, right? Not to the bank it isn't! How many regular folks like us every day just shrug our shoulders and deduct it each month rather than go to the bank and ask about a four dollar charge? The bank is making a killing.\n\nThe government is currently trying to enact law which stops some of these practices yet the banking institutions really have many of our polititions over the barral. They contibute millions each year to these polititions which the politians would hate see dry up, so the law is quietly being squashed in the houses each year.\n\nI agree, talk with the manager. I think you have a low chance of having these charges cleared. If they clear them for you well the next customer will expect the same treatmetn and the banks just can't have a stampeed of customers demanding back fees they have been charged under current laws.\n\nIf your bank will not reverse these fees I reccoment looking for another bank. Why would you stay with a banking institution which treats a loyal customer so badly? Why should you continue to put money into the pocket of a business so willing to take money out of yours and your families? The banks are in ferious competition right now, they are looking to take customers from each other. YOur bank currently has you and is going to take the odds you will not want to go to the trouble of looking for a new bank, getting use to the way the new bank looks, and getting to know new bank tellers. \n\nI recently changed banks for this very reason. Sure I could have placed hooked my accounts and made sure I did not have this happen again. But why did my bank not inform me i even had the option of doing this? Because they wanted my NSF fees as long as they could get them. NOT that they got them more than twice! However, I had money in an account that would have covered my checks in my household account, and when I asked why they charged me when I had money sitting right in that same bank they just shrugged and said I had not "linked" my accounts yet! What the heck? I have multiple accounts in the same institution yet they say they are  not linked? Give me a break, I would rather they have deducted the money from one of my other accounts which they had access to than be charged due to their newest change in how long a deposit takes to clear! By the way they informed me of thes
589807
I generally know where MY money goes although no one ever knows where the money they earn goes as a proportion is for taxes (wasted on politians) and a proportion is for superannuation (this is to cover the cost of fees rather than earn money for retirement).  Then there is the miscellaneous bank and financial institution fees where a lot of my money is wasted.
39696
Hi again, Stef. The $13,000 is not income per se. The interest you made on the principle (the original amount you deposited into the fund) is income. I do not know what you re doing with the dividends you make on the fund. Are you reinvesting it? Unless you are talking big, big, bucks here in dividends, you have no worries. However, I am concerned that you were charged so much for an 8 year old car.
388785
You should check on a line of credit.  It costs about 1-2% of these amounts to extend credit depending upon the terms.  It is quite possible they were losing money on these because it costs them every time they write the paper.  Banks have very thin margins.  It takes a lot of money to just make a little.  A 10,000 loan not paid down and paid in 365 days on average yields 100-150 dollars total.  Every transaction costs money.  Each cleared check costs money.  Each contract costs money.  It is quite possible it isn't worth their time.
146764
Each exemption on a weekly basis is worth $63.46, so for 6 exemptions, your employeer will take $380.76 off your gross earnings before calculating federal taxes.  Note, if you paid every other week double this amount (so $761.52) (this can be found in the source on page 34).  Now, If your gross earnings are less then this, you will have no federal taxes withheld.  However, for an example say you gross $30,000 a year, that's $576.92 every week.  (What I am about to list I found on the source on pages 40-41, which is the pages you'll use to try other numbers, which I will explain later.)  Note this example is only for a weekly pay period, however if you are on a bi-weekly pay period, just double everything.  With 0 exemptions, federal withholding is approximatly $49.  With 6 exemptions it is approximatly $4.  So, for this example you have $45 extra each week.  To find out what it would be for you, looking at you pay stub find your gross pay, look it up in the charts on pages 40-41(which are the pages for married filing jointly, weekly pay period), unless you are on a bi-weekly pay period, then the pages are 44-45.  Find the amount the range in the two left columns that falls to either side of your gross pay (so for $576.92 I used the 570-580 line).  The columns after that are for each exemption 0 to 10.  If you need any help you can email me at waysj@yahoo.com and I'll give you what help I can.
539668
I would assume it has went up .. but i understand your colluction can stay for 7 yrs which sux because those that have filled back. dont.\ntry www.freecreditreport.com
299277
If it's not too late, see if you can stop payment on the check that you wrote (if you wrote one already).\n\nAlso, go to the bank and explain the situation; if you deposited it in good faith, you shouldn't get into trouble
549881
Why don't you ask your local payroll office.  There should be a number on your pay slip.
395682
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
522700
You have a right to know what the over draft was and for how much. This sounds really funny to me. I wouldn't pay a thing until you get that information. If you send in the first check then you are agreeing to paying the $4500 and it will be near impossible to get out of that amount if you don't truly owe that much.
36533
I filed anyway one year, when I only made like $6,000-$7,000 and I got back over $600. I was very surprised. You might do it online for kicks just to see if you have anything coming to you. If not just leave it unfiled. Good luck !
479693
No, you aren't the only one that finds this confusing.  It seems like the more I read--the more they contradict eachother.  I think it is just a hit or miss---sometimes the advice you get works, sometimes it doesn't.  What worries me is that some of the people that have used the advice received have had negative effects on their credit---its really confusing.
355805
first of all- no investment should be required-and no "catch or scam" is indicated here- is the co a national or local co?? i dont know that your credit will/or will not affect your possible hiring- you should be ready with some explanations as to your credit problems, if they ask-short and concise answers, not long winded ones--if they have a 2 yr paid training program- that is excellent- what that usually means is, they subsidize your earnings with extra bonuses and  or commissions, to help you as you learn-on a declining basis, over 2 yrs to help you survive while learning and becoming more adept at what you do--the fact that they contacted you-would not be a concern of mine- check the company's history from A.M.Best, a rater of ins cos. you can find an A.M.Best book, in a library reference section, or online for a small fee..I would look forward to your interview- i was a CPA and was bored by all the paperwork-liked working with people better- went into life insurance and health ins & annuities, and enjoyed it tremendously for 23 yrs- became an LUTCF & later a CFP also.. good luck to you- if i can be of further help- holler back at me- i am retired now...
495941
Both my sister and I have had the same letter. We are at college studying an nvq level 2. I called the number and told them we are students but that doesn't matter! They said we should have still been paying, and when i asked how, they didn't know.\n  The only way to get around it is signing on (jobseekers), but you can only do this if you do less than 16 hours a week.\n   My sister was working part time aswell as going to college and she still got the same letter. Because of the hours she worked, she didn't have to pay tax or national insurance yet they still tell her she owes nearly £300!
672611
I have been going thru CCC (Consumer Credit Counseling) for two years now. I know it's awful having so many bills and so many rude people calling and demanding payment. There was a start up fee and then they just started deducting so much every other week. I'll be finished in November, thank goodness! You should look into it, it definitely takes a weight off your shoulders because you just see the progress ya know? You're not writing checks and balancing who gets how much. Good luck!
538334
You got yourself into a bit of a hole...  There are some third party on line E-spys that can help.. But they can cost 35+ dollars..  Not sure how much the check was wrote for.. if it was under 30 bucks it might be a learning lesson if it was much more then that you might want to seek legal advice.. To see what you can recover, Including a search and legal fees..  Good Luck,, Wish I could smack the Bum for ya..
171143
Just contact your bank. They got all this stuff figured out.