Good Morning everyone - Wow, have to say that
it has certainly been a few days since I have been able to get online and do
what I love to do best - write. To my fellow readers, and to my newest readers who are
just coming on board with my blog, I have gone back to work part-time. It is
usually three to four days a week and my total hours on the days I do work, are
usually five to seven. All in all, I'm getting somewhat used to standing up for
a rather lengthy time frame, but I feel it when the day is done. Ouch my bones
and I am so missing my office chair. *wink* Ok, so back to my saga of the
morning.
During the month of January, 2013, I wrote a
story, that I have been getting a lot of responses to, that was called -
"Beware of banking fee snowball effect,"
It is sad to find out how many more souls are
dealing with this same issue and I was even more surprise by how many shared
with me that they had the same bank. Now it has been a few months, and just
when I thought it was safe to go back into the water.... (Wait for it - Hit
link for sound effect) - http://www.youtube.com/watch?v=wCfWHqrYUqo- the
mystery overdraft fee shark attacked my account again. Now granted, my account with M&T is not
my primary checking, it is merely an account required by the bank so that my
husband has the option of cashing his check completely if he chooses too, but 9
out of 10 times, he make a deposit and pays for auto payments and basic needs.
So this morning, once again, the bank has
charged us an overdraft fee. Please tell me - do you see where I was over drawn
on this bank statement????
As you can see, the deposit went in, and then
was followed by the debits being removed - yet suddenly it hits me - the last
time this happened, it was also a charge because of a State farm ACH, but
hasn't happened since January and has me pondering "Could it be someone
thinks I've stopped looking closely at my account? Or maybe they miss my happy face parked at the desk bitching about another invisiable overdraft." I understand that in
this day and age, everyone is hurting to get that might dollar - even big
businesses. I do understand the policy when it comes to implementing fees for
overdrafts, but like the old rule, show me proof, by showing in on the
statement and I'll walk away. Having it in print on a customers statement would give the bank solid ground to stand on, not just a
customer service representative giving you this song and dance about timing. If
they based all banking on timing, and a million people had this happen...well
you do the math. All I can say is that if I'm being told I was overdrawn and
being charged the fee - the statement better indicate a negative balance! I want thank all of you that wrote to me on this
topic. I feel bad that some of you were not aware this was happening until you balanced
your ledgers at the end of each month and could not get it reversed. I totally agree with you when you say - it is important that
when you see this, you act immediately and not wait. I bet you'll know where
I'll be at nine o'clock this morning - if you guessed getting the fee reversed
- you guessed right.
***
I would also like to reply to one of the emails that I received from Leeann, in Pheonix, Arizona. Leeann, I do agree with you that our world is in constant change and not always for the better. We find ourselves having to be more in tuned as to the goings on with government, society, community, family,
and what is within ourselves and no matter how much we yell and scream for change...more often than not - the people go unheard. We can't stop just because someone doesn't hear us. If we stand back and allow another voice to speak
on our behalf, without our input, the outcome may not be what you hoped for.
On the other hand, not all change is good change. It all depends on each individuals person's belief and how they feel, whatever the change may be, and how it would effect them.
Yes, I know this topic today is about bank fees, but Leeann brings to the topic a valid point on our global societies as whole and makes one take a second look around; In this day
and age it's more than just bank fees. Every day the envelope is being pushed,
and if we don't step up and say NO as a united group...this craziness is only
going to multiply at our expense and a heavier price will be paid in the end. I
get it, that it won't get corrected overnight, and the battles get overwhelming.
Citizens are feeling bruised and broken and many feel like all they want to do is run away to the comforts of simple times. I will admit, I feel the very same way somedays and I find that for myself,
for many years I was doing a lot of running away. Today I look back on my life when I battled Hodgkin’s
disease in 1994 and was told by government doctors that I going to die - I had a Hell No Attitude to beat the disease, but failed everywhere else. I realize things take time and I tell myself everyday - NEVER GIVE UP! Easier said than done. We as citizens must never give up even if it means fighting a bank fee that was imposed on us, atleast we are starting some where. Right? Wrong? Everyone's has an opinion and I get that some may or may not agree with us Leeann, it happens. Mom always told me to pick my battles, but sometimes the battle picks us when we least expect it.
My quote of the day -
"When life gives you lemons, make orange juice and give people a mysterious grin when they ask you how did you do that."
