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This8384, Just to clarify - it was a dishonour fee therefore the bank did not take the money for the loan. They charged me $40 to dishonour the loan payment :/

Well said Curlyben. You explained it so well! You clearly really do love this subject! :)

Wow - am surprised about the amont of interest in this thread.

Just to clarify, I was never disputing that I should be charged a fee - it is the law in Australia that banks can cover their costs...

My pennies worth - if you act or say something to another fella that you wouldn't do if your partner was present then it's wrong. Be true to the person you are with in order to be true to yourself...

Curlyben, thanks so much all round! You are a star :) :)
Am from the UK originally so have already read your link - most interesting and useful!!
Thanks again. Claire :)

Hiya, just my personal experience but I have 3children and had light periods with all 3pregnancies for the first few months. You really should see a doctor to be on the safe side though :)
Try not...

Curlyben said: In the Uk we are using the Unfair Terms in Consumer Contracts Regulations (UTCCR) as well as penalties under common law.
The bakns ARE allowed to cover their costs, but it is...

Did you find the link JudyKayTee? What did you think?

JudyKayTee, I posted the article I've found so far above. :)

Am still investigating further

Scottgem, not sure if that's a good thing or bad thing really... interesting findings though.

Thanks again for everyone's interest, advice and opinions. Hope to be more active on this site - now...

Scott, I was 4 days late on a payment due to being rushed into hospital for surgery... banks don't care for the reason though :/

JudyKayTee, CurlyBen said:
In the UK we are using the Unfair Terms...

this8384, I didn't already have the answer. This site -in fact CURLY BEN, gave me the answer I was looking for.

The bank tried to take a payment without notifying me, therefore I had no chance of...

Altenweg, I have now apologised twice for my mistake in not fully reading the terms.
CURLYBEN thank you for your reference to the UK case - I have now found the answer I was looking for :)

Thanks Scott. You're right I should have mentioned I was from Oz I genuinely only just found this site and didn't realise it was predominatly US based. I did however mention several times that I...

I haven't read the 'Terms of Service' only found this site a couple of days ago. It was never my intention to give negative feedback.

I did not expect to be called a 'joke' or asked 'how do...

People who are stating that this law doesn't exist are incorrect - they should not comment on something they have no knowledge on. You insulting me is the most negative thing on this thread so take...

This website explains the law somewhat:

VCAT cracks down on unfair contract terms

Not sure why you have resorted to personal insults when I am merely asking for clarification on a particular Australian law. Strange!

What are you talking about! The charge I was notified about was $15 - the bank was merged, I got charged $40 - no notification. I am merely asking for clarification on the law in Oz that states banks...

Im not saying that the loan was less than $40, Im saying it did not cost the bank $40 to try and transfer funds from one account to another, therefore they have profited by charging me $40

Thanks for all the input so far. Jut to clarify, I didn't write a cheque - the bank tried to take a personal loan payment when there were no funds in the account. I know there is a law which states...

Can I sue a bank for, what I consider to be, an unreasonable fee? My bank recently merged with another and I was charged a $40 dishonour fee when there where inadequate funds to pay a personal loan I...