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OfflinePatlal
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Unfair bank fees will soon be made illegal by the government of Canada * 2
    #21749418 - 06/01/15 05:04 PM (8 years, 7 months ago)

The NDP submited a bill concerning the fees you have to pay to get paper statement in order to pay your bills. Essentially it's a pay to pay system that will soon be abolished.

The Conservatives said they would vote for it, which means that it doesn't metter who votes against. It's gonna pass.

Canadians paid 180 million dollars worth of these fees last year alone. It's abusive

People are fucking tired of being nickel and dimed by big banks and it's about time this kind of practice be made illegal. Fees for this, fees for that.... Enough dammit!

Thoughts?
Eliminating these fees are
You may choose only one


Votes accepted from (06/01/15 03:04 PM) to (No end specified)
View the results of this poll



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OfflineShroomslip
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Patlal] * 1
    #21749428 - 06/01/15 05:09 PM (8 years, 7 months ago)

They'll just find another way to make that money. Higher interest fees or something.


--------------------
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I don’t want to get back up but I have to so it might as well be today.
Nothing appeals to me no one feels like me, I’m too busy being calm to disappear.
I’m in no shape to be alone contrary to the shit that you might hear.


You can't wake up, this is not a dream. You're part of a machine, you are not a human being
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Invisiblerackem
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Patlal] * 1
    #21749435 - 06/01/15 05:10 PM (8 years, 7 months ago)

Banks in general are out if control. The whole bank system needs an overhaul least it's a start


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Offlinezappaisgod
horrid asshole


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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: rackem]
    #21749440 - 06/01/15 05:12 PM (8 years, 7 months ago)

If you don't like the fees banks charge don't use them


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: zappaisgod]
    #21749448 - 06/01/15 05:17 PM (8 years, 7 months ago)

Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




its hard to cash paychecks if you don't belong to that particular bank. its generally a 10$ fee if not more, plus you cant just cash it at any bank. you have to cash it at the bank that issued the check


for example, if i get payed with a PNC check, and live in the boonies, i very well could have to drive 2 hours to the nearest PNC, and STILL have to pay them 10$ to cash it if i don't have an account.


Edited by Adolin (06/01/15 05:19 PM)


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749465 - 06/01/15 05:22 PM (8 years, 7 months ago)

seriously, write a check to yourself. this is legal and banks will accept checks written to yourself as long as you have an account.

then, go try to cash it at a different bank you don't belong to.

they will tell you to piss off unless you want to make an account


Edited by Adolin (06/01/15 05:22 PM)


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OfflinePatlal
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: zappaisgod]
    #21749468 - 06/01/15 05:23 PM (8 years, 7 months ago)

Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




Yeah. That's pretty much impossible if you have a job. Nobody pays their employees in cash anymore and they all ask for a direct deposit account from day one.

If I were to take the check and go to a shady cash place, they would take like 5% of the cheque or something.

Banks are like the telephones. You can't live without them anymore.


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Offlinezappaisgod
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Patlal]
    #21749474 - 06/01/15 05:25 PM (8 years, 7 months ago)

Tough shit


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: zappaisgod]
    #21749478 - 06/01/15 05:26 PM (8 years, 7 months ago)

:facepalm:


i think canadialand is doing the right thing. and i consider myself slightly conservative :lol:


Edited by Adolin (06/01/15 05:26 PM)


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InvisiblezZZz
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Patlal]
    #21749485 - 06/01/15 05:27 PM (8 years, 7 months ago)

I'm gonna start a bank. Just like build a big safe and offer to hold on to peoples money. Then I'll start spending the money as if it were my own. Open small companies, invest it, and no one will ever suspect a thing, profit $$. :uptosomething:


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: zappaisgod]
    #21749492 - 06/01/15 05:28 PM (8 years, 7 months ago)

If only legal tender laws were effective and you could force employers to pay their debts to you in cash, I'm sure plenty of people would do just fine without banking services.


Statement fees are optional though (at my bank anyway,) I opted out of the paper statements years ago and don't get charged for them.


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: zZZz]
    #21749493 - 06/01/15 05:29 PM (8 years, 7 months ago)

Quote:

I'm gonna start a bank. Just like build a big safe and offer to hold on to peoples money. Then I'll start spending the money as if it were my own. Open small companies, invest it, and no one will ever suspect a thing, profit $$. :uptosomething:





i think youve been beat to it.
at least in 'murica.


Edited by Adolin (06/01/15 05:29 PM)


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Invisiblelarry.fisherman
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: psi]
    #21749499 - 06/01/15 05:30 PM (8 years, 7 months ago)

I don't support this idea because it's an option. The whole purpose of it is to be environmental. Now all the tards want their paper back because they can't remember to check their accounts and someone has to do something with all that paper that won't get recycled.


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: larry.fisherman]
    #21749506 - 06/01/15 05:31 PM (8 years, 7 months ago)

what do you mean its an option?

the vast majority of employers, ALL of them if your getting paid like $80,000+(legally) will laugh in your face if you ask to be paid your salary in cash


Edited by Adolin (06/01/15 05:32 PM)


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Invisiblelarry.fisherman
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749514 - 06/01/15 05:33 PM (8 years, 7 months ago)

What are you talking about? This thread is about paper statements vs. checking your shit online.


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749515 - 06/01/15 05:33 PM (8 years, 7 months ago)

The bank statements that the fees in question are for.


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Invisiblerackem
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749517 - 06/01/15 05:33 PM (8 years, 7 months ago)

Exactly unless it's a side job or something of the sort then the employers need that paper trail


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Offlinethebitterbuffalo26
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749527 - 06/01/15 05:35 PM (8 years, 7 months ago)

why would anybody need a paper statement? shit I'm trying to pay off a student loan and for every dollar you pay back they charge you a convenience fee. so even if you were to pay off your principal at once they would still get you for every dollar. and of course this doesn't include the interest so you're getting charged twice.
you talk about getting fucked and then you realize how much they push education and you start to wonder....


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: larry.fisherman]
    #21749531 - 06/01/15 05:36 PM (8 years, 7 months ago)

Quote:

XLCaps said:
What are you talking about? This thread is about paper statements vs. checking your shit online.




yeah, what if you dont have the internet though? then youre fucked either way

you have to pay extra for internet service

or you have to pay a little bit extra for a paper bill




its stupid. the company should pay for the billing, not the customer


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InvisibleAstral Pain
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Loc: Chicago
Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: psi]
    #21749622 - 06/01/15 05:56 PM (8 years, 7 months ago)

Imagine a cashless society. Denmark is going to be starting to test that out with a new law the government is proposing. They want to give retailers the right to deny cash and accept only digital transactions. I think this is the long term goal worldwide. Every money transaction under surveillance. That would be a total financial prison. How could you buy drugs without cash? You'd have to trade out or something.


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"I don't mean to sound bitter, cold, or cruel, but I am, so that's how it comes out"               
                -Bill Hicks-

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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Astral Pain]
    #21749626 - 06/01/15 05:57 PM (8 years, 7 months ago)

Quote:

Astral Pain said:
Imagine a cashless society. Denmark is going to be starting to test that out with a new law the government is proposing. They want to give retailers the right to deny cash and accept only digital transactions. I think this is the long term goal worldwide. Every money transaction under surveillance. That would be a total financial prison. How could you buy drugs without cash? You'd have to trade out or something.





i agree, but i also think the long term goal fuckin' blows. it certainly isnt my goal.


Edited by Adolin (06/01/15 05:57 PM)


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Invisiblerackem
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749636 - 06/01/15 06:00 PM (8 years, 7 months ago)

The barter system... Bring that shit back


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Offlinezappaisgod
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749637 - 06/01/15 06:00 PM (8 years, 7 months ago)

A horror


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Invisiblelarry.fisherman
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749665 - 06/01/15 06:08 PM (8 years, 7 months ago)

Quote:

Gresh said:
Quote:

XLCaps said:
What are you talking about? This thread is about paper statements vs. checking your shit online.




yeah, what if you dont have the internet though? then youre fucked either way

you have to pay extra for internet service

or you have to pay a little bit extra for a paper bill




its stupid. the company should pay for the billing, not the customer



Those people would go to the library. Big deal. Most people have a phone, if you can't afford to use enough data then they need to prioritize. Anyone who can afford to have bills these days can afford to get on the internet. Any cost associated with retrieving those statements would be negligible in comparison to the cost of each individual statement. Then there's the environmental cost. How much do you think that comes out to? It only takes 50 years for a tree to get to a good size.


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InvisibleAstral Pain
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749680 - 06/01/15 06:12 PM (8 years, 7 months ago)

What Denmark is doing is just easing it in a little bit. Think about all the purchases u make with your card. If you went to pay cash and the didn't accept it you could still pay. Little by little more and more stores would reqire a card until there's none left. Ease it in nice and slow.


--------------------
"I don't mean to sound bitter, cold, or cruel, but I am, so that's how it comes out"               
                -Bill Hicks-

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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Astral Pain]
    #21749686 - 06/01/15 06:14 PM (8 years, 7 months ago)

id rather have it nipped in the bud, than 'eased in nice and slow' like a cock


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InvisibleAstral Pain
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21749746 - 06/01/15 06:27 PM (8 years, 7 months ago)

They have to ease it in slow or there will be anarchy. That's how they do it with all out liberties. They will have a reason for it as they always do. No cash to stop all the drug dealers from killing all the children. If you're not for it you're a baby hater.


--------------------
"I don't mean to sound bitter, cold, or cruel, but I am, so that's how it comes out"               
                -Bill Hicks-

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InvisiblePrisoner#1
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750296 - 06/01/15 08:27 PM (8 years, 7 months ago)

Quote:

Gresh said:
Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




its hard to cash paychecks if you don't belong to that particular bank. its generally a 10$ fee if not more, plus you cant just cash it at any bank. you have to cash it at the bank that issued the check


for example, if i get payed with a PNC check, and live in the boonies, i very well could have to drive 2 hours to the nearest PNC, and STILL have to pay them 10$ to cash it if i don't have an account.





I can go to my bank and cash a check drawn on another bank, I can go to the
local grocery store and get a check cashed whether it's a payroll check or a
personal check and then there's this. damn near every town with more than 5000
people has one



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OfflinePatlal
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Registered: 10/09/10
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21750322 - 06/01/15 08:32 PM (8 years, 7 months ago)

Quote:

Prisoner#1 said:
Quote:

Gresh said:
Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




its hard to cash paychecks if you don't belong to that particular bank. its generally a 10$ fee if not more, plus you cant just cash it at any bank. you have to cash it at the bank that issued the check


for example, if i get payed with a PNC check, and live in the boonies, i very well could have to drive 2 hours to the nearest PNC, and STILL have to pay them 10$ to cash it if i don't have an account.





I can go to my bank and cash a check drawn on another bank, I can go to the
local grocery store and get a check cashed whether it's a payroll check or a
personal check and then there's this. damn near every town with more than 5000
people has one






these bloodsucking things are everywhere.


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21750346 - 06/01/15 08:37 PM (8 years, 7 months ago)

Quote:

Prisoner#1 said:
Quote:

Gresh said:
Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




its hard to cash paychecks if you don't belong to that particular bank. its generally a 10$ fee if not more, plus you cant just cash it at any bank. you have to cash it at the bank that issued the check


for example, if i get payed with a PNC check, and live in the boonies, i very well could have to drive 2 hours to the nearest PNC, and STILL have to pay them 10$ to cash it if i don't have an account.





I can go to my bank and cash a check drawn on another bank, I can go to the
local grocery store and get a check cashed whether it's a payroll check or a
personal check and then there's this. damn near every town with more than 5000
people has one






ive never seen them personally in my area, but now that you mention it, ive heard of these places




how do they verify checks so quickly? what keeps me from cycling around them and cashing false checks?

And more importantly, why can some sketchy foreigner-run check cashing place cash my PNC checks, but not legitimate local banks?

again, makes no fucking sense and i would bet some sort of legislation is to blame for this nonsense


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21750354 - 06/01/15 08:38 PM (8 years, 7 months ago)

Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?


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Invisiblerackem
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750358 - 06/01/15 08:40 PM (8 years, 7 months ago)

i think the banks just play it safer.. those cash checking places it costs more but they are taking a higher risk in the bank.

if you guys have any casinos in your area you can cash them there as well..


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OfflineD.M.T
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: psi]
    #21750396 - 06/01/15 08:49 PM (8 years, 7 months ago)

Quote:

psi said:
Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?



No, he's telling the truth. I can cash checks or Western Union at my Kroger. No need to cash checks at the grocey cash checking place though since my bank is also inside Kroger.


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: rackem] * 1
    #21750429 - 06/01/15 08:57 PM (8 years, 7 months ago)

I just think it's kind of bullshit that if someone like an employer owes you money, they can instead get away with giving you what amounts to an IOU note issued by some private institution that in practice is not even really worth the amount printed on it, because some portion of it must go to some middleman in order to access the remainder.

If you owe me money, you should pay me in actual money and not some other bullshit piece of paper, unless I explicitly opt for such an alternate arrangement.


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InvisiblePrisoner#1
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750460 - 06/01/15 09:06 PM (8 years, 7 months ago)

Quote:

Gresh said:
Quote:

Prisoner#1 said:
Quote:

Gresh said:
Quote:

zappaisgod said:
If you don't like the fees banks charge don't use them




its hard to cash paychecks if you don't belong to that particular bank. its generally a 10$ fee if not more, plus you cant just cash it at any bank. you have to cash it at the bank that issued the check


for example, if i get payed with a PNC check, and live in the boonies, i very well could have to drive 2 hours to the nearest PNC, and STILL have to pay them 10$ to cash it if i don't have an account.





I can go to my bank and cash a check drawn on another bank, I can go to the
local grocery store and get a check cashed whether it's a payroll check or a
personal check and then there's this. damn near every town with more than 5000
people has one






ive never seen them personally in my area, but now that you mention it, ive heard of these places




how do they verify checks so quickly? what keeps me from cycling around them and cashing false checks?




they take a risk, that's why they charge a fee, if the check bounces they can seek fraudulent/worthless check warrants

Quote:

And more importantly, why can some sketchy foreigner-run check cashing place cash my PNC checks, but not legitimate local banks?




if you cant figure this one out then there's little hope for you, first, if you
havent seen these places how do you know they're run by foreigners? second, if
these foreigners werent doing this, what would the be doing and lastly but most
important, any bank can cash any check but they've set policies to not do so
because of the fraud of bad checks, wouldnt your bank accept a check drawn on
another bank, mine will as long as I have funds available to cover the bad
check if it bounces or I can deposit it and not have to worry about it

Quote:

again, makes no fucking sense and i would bet some sort of legislation is to blame for this nonsense





why would the government tell banks not to accept checks drawn on other banks
for immediate cashing but accept them for deposit?


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21750483 - 06/01/15 09:12 PM (8 years, 7 months ago)

Quote:


Quote:

Gresh said:  And more importantly, why can some sketchy foreigner-run check cashing place cash my PNC checks, but not legitimate local banks?





Prisonser#1:
if you havent seen these places how do you know they're run by foreigners?




ive seen movies, bro


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: D.M.T]
    #21750493 - 06/01/15 09:15 PM (8 years, 7 months ago)

Quote:

D.M.T said:
Quote:

psi said:
Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?



No, he's telling the truth. I can cash checks or Western Union at my Kroger. No need to cash checks at the grocey cash checking place though since my bank is also inside Kroger.



Oh I believe he's telling the truth, just making some wisecracks. The concept is just so foreign to me that it's like some folksy alternate universe.


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InvisiblePrisoner#1
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: psi]
    #21750496 - 06/01/15 09:16 PM (8 years, 7 months ago)

Quote:

psi said:
Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?





I can send my mom or my brother with my check and they will cash it for them, I
actually cashed a $120k check at a bank I didnt do business with and didnt show
ID, the teller knew my by name because she cut checks for me every day and she
knew my signature


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21750510 - 06/01/15 09:19 PM (8 years, 7 months ago)

:mindblown:


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OfflineAdolin
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1] * 1
    #21750517 - 06/01/15 09:20 PM (8 years, 7 months ago)

Quote:

Prisoner#1 said:
Quote:

psi said:
Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?





I can send my mom or my brother with my check and they will cash it for them, I
actually cashed a $120k check at a bank I didnt do business with and didnt show
ID, the teller knew my by name because she cut checks for me every day and she
knew my signature





you cashed a check for $120,000?

what are you? lex fuckin luther? Gorge Jung? what on earth did you need 120,000 in cash for?


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OfflineD.M.T
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Registered: 10/31/09
Posts: 10,991
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Last seen: 4 years, 1 month
Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750535 - 06/01/15 09:24 PM (8 years, 7 months ago)

In Asia it's common to buy a house / apartment in all cash.


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OfflineAdolin
I'm a teapot User Gallery


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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: D.M.T]
    #21750556 - 06/01/15 09:29 PM (8 years, 7 months ago)

in america its common to be robbed, because people notice when you withdraw a hundred thousand dollars and carry duffelbags into your house after a short 10 minute trip


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OfflineD.M.T
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Female

Registered: 10/31/09
Posts: 10,991
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750600 - 06/01/15 09:42 PM (8 years, 7 months ago)

Interestingly, Thailand has about the same rate of murder and gun violence as the US.

The only story I recall of someone being robbed and killed after trying to buy a house in cash was in Japan, but I am sure it's happened in Thailand/other Asian countries as well.


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OfflineAdolin
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Posts: 8,292
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: D.M.T]
    #21750656 - 06/01/15 10:00 PM (8 years, 7 months ago)

people get robbed of large ammounts of cash all the time in Japan and the USA. it doesnt matter if they are buying a house, or 5 kilos of cocaine.


walking out of a bank with hundred/s thousand dollar raises alarms to legits and criminals. cause they tend to mingle.


Edited by Adolin (06/01/15 10:01 PM)


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Invisiblepsi
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21750899 - 06/01/15 10:52 PM (8 years, 7 months ago)

Quote:

Gresh said:
in america its common to be robbed, because people notice when you withdraw a hundred thousand dollars and carry duffelbags into your house after a short 10 minute trip



$100k is nowhere near a multi duffel bag sized amount if it's in hundreds though, that's just 10 of those bundles of 100 bills.


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InvisiblePrisoner#1
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Registered: 01/22/03
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Adolin]
    #21752022 - 06/02/15 10:06 AM (8 years, 7 months ago)

Quote:

Gresh said:
Quote:

Prisoner#1 said:
Quote:

psi said:
Quote:

Prisoner#1 said:
I can go to the local grocery store and get a check cashed



I find that pretty surprising, are you posting through some kind of time warp?





I can send my mom or my brother with my check and they will cash it for them, I
actually cashed a $120k check at a bank I didnt do business with and didnt show
ID, the teller knew my by name because she cut checks for me every day and she
knew my signature





you cashed a check for $120,000?

what are you? lex fuckin luther? Gorge Jung? what on earth did you need 120,000 in cash for?





yes... I cashed a check for $120k and I needed it for stuff


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OfflinePatlal
You ask too many questions
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Registered: 10/09/10
Posts: 44,797
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Re: Unfair bank fees will soon be made illegal by the government of Canada [Re: Prisoner#1]
    #21752253 - 06/02/15 11:11 AM (8 years, 7 months ago)

Quote:

Prisoner#1 said:
Quote:

Gresh said:
Quote:

Prisoner#1 said:
Quote:

psi said:

I find that pretty surprising, are you posting through some kind of time warp?





I can send my mom or my brother with my check and they will cash it for them, I
actually cashed a $120k check at a bank I didnt do business with and didnt show
ID, the teller knew my by name because she cut checks for me every day and she
knew my signature





you cashed a check for $120,000?

what are you? lex fuckin luther? Gorge Jung? what on earth did you need 120,000 in cash for?





yes... I cashed a check for $120k and I needed it for stuff




Can't you use a credit card and live in debt like everyone else? Jeez...


--------------------


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