Let me inject some reason into this thread:
1. Some of you are complaining about how this hurts you, living paycheck-to-paycheck. Below I'll get to why this shouldn't be hurting anyone, but first let me single you lot out and say that you're irresponsible idiots. If you have children, they should be taken away permanently. You're living paycheck-to-paycheck, with no savings to temporarily cover over a £150 error, and you're BUYING ELECTRONIC GADGETS? Are you INSANE? Put your money in the bank and quit destroying your (and/or your children's) future, you complete *******s.
2. For the rest of you who aren't horrid human beings, here's some info on your rights.
A. If it's debit (credit may differ), you have the right to dispute an authorization, which means it doesn't count towards available balance calculations until resolved.
B. As was widely publicized in a court decision last year, UK banks CANNOT charge amounts like £39 that are being thrown around here for overdrafts. It's illegal, and the government would love to know about it.
C. Banks CANNOT charge you fees based on "available balance" negatives when the REAL balance never goes negative. Oh, the big ones will try because they're scum, but if you email and say: "Are you kidding? Reverse or be sued", they will apologize and reverse.
To sum: Apple screwed up, but the real culprit behind any consequent problems is either your own reprehensible irresponsibility, or your bank's illegal dealings which you should not be satisfied to bend over for. That's why we have the blasted consumer-compliance society we find ourselves in. Stand up for your goddam rights against the people that are ACTUALLY STEALING your money in this situation! (Hint, it's your bank, not Apple.)
Otherwise nothing will change, and thanks a lot.
1. Some of you are complaining about how this hurts you, living paycheck-to-paycheck. Below I'll get to why this shouldn't be hurting anyone, but first let me single you lot out and say that you're irresponsible idiots. If you have children, they should be taken away permanently. You're living paycheck-to-paycheck, with no savings to temporarily cover over a £150 error, and you're BUYING ELECTRONIC GADGETS? Are you INSANE? Put your money in the bank and quit destroying your (and/or your children's) future, you complete *******s.
2. For the rest of you who aren't horrid human beings, here's some info on your rights.
A. If it's debit (credit may differ), you have the right to dispute an authorization, which means it doesn't count towards available balance calculations until resolved.
B. As was widely publicized in a court decision last year, UK banks CANNOT charge amounts like £39 that are being thrown around here for overdrafts. It's illegal, and the government would love to know about it.
C. Banks CANNOT charge you fees based on "available balance" negatives when the REAL balance never goes negative. Oh, the big ones will try because they're scum, but if you email and say: "Are you kidding? Reverse or be sued", they will apologize and reverse.
To sum: Apple screwed up, but the real culprit behind any consequent problems is either your own reprehensible irresponsibility, or your bank's illegal dealings which you should not be satisfied to bend over for. That's why we have the blasted consumer-compliance society we find ourselves in. Stand up for your goddam rights against the people that are ACTUALLY STEALING your money in this situation! (Hint, it's your bank, not Apple.)
Otherwise nothing will change, and thanks a lot.