Fair Trading Vs Bank Charges

Fair Trading ဆုိတဲ့ စကားလုံးေလးကုိ စတင္ၾကားဖူးခဲ့တာ လြန္ခဲ့တဲ့ 4 ႏွစ္ဝန္းက်င္ေလာက္တုန္းက ထင္ရဲ႔။ အသိတစ္ေယာက္နဲ႔အတူ ေကာ္ဖီေသာက္ဖုိ႔ ဆုိင္ေရြးေတာ့ ထုံးစံအတုိင္း ကြ်န္မက Starbucks coffee ကုိ ေရြးခ်ယ္မိတယ္။ ဒါေပမဲ့ ကြ်န္မအသိ က ခ်က္ခ်င္းကန္႔ကြက္ပါတယ္။ Starbucks coffee က Fair trade မဟုတ္လုိ႔ မေသာက္ခ်င္ပါဘူးဆုိလုိ႔ တၿခားဆုိင္ တစ္ဆုိင္ ေၿပာင္းေသာက္ခဲ့ရပါတယ္။ အဲဒိအခ်ိန္မွာ ကြ်န္မအတြက္ သိပ္အကြ်မ္းတဝင္ မရွိေသးတဲ့ fair trade ဆုိတဲ့ စကားလုံး နဲ႔ အေၾကာင္းအရာကုိလည္း သူက ရွင္းၿပခဲ့ေသးတယ္။ ဆုိလုိတာက 25 ၿပား ေလာက္သာ ကုန္က်စရိတ္ရွိတဲ့ ေကာ္ဖီတစ္ခြက္ကုိ 2.50 ေလာက္နဲ႔ ေရာင္းတာ မၿဖစ္သင့္တဲ့ ကိစၥတစ္ခုပါတဲ့။ အဲဒိလုိ အၿမတ္ၾကီးစားတဲ့ စီးပြားေရးလုပ္ငန္းေတြကုိ ဆန္႔က်င္တဲ့ လႈပ္ရွားမႈေတြ၊ campaign ေတြအေၾကာင္း ရွင္းၿပရုံသာမက သူကုိယ္တုိင္ပါ လုံးဝအားမေပးတဲ့အေၾကာင္းလည္း ေၿပာၿပခဲ့ဖူးတာ အမွတ္တရပါ။


အခုတေလာေတာ့ Bank charges ေတြဟာ fair trading မဟုတ္တဲ့အေၾကာင္း ဟုိနားဒီနား ၾကားရယုံသာမက တီဗီြထဲမွာ သတင္းထဲမွာ ေတြ႔လာရၿပန္ပါတယ္။ အဲဒိ ပုိက္ဆံေတြကုိ ၿပန္ claim လုိ႔ရတယ္ဆုိေတာ့ မ်က္လုံးေတြေရာ၊ နားေတြပါ ပုိ ၿပဴးကုန္တာေပါ့။ စိတ္ဝင္တစား ေလာဘတၾကီးကုိ ရွာေဖြ ေလ့လာမိတယ္ဆုိပါေတာ့တယ္ရွင္။

ဟုတ္ပါတယ္။ ဘဏ္အေကာင့္ေတြမွာ Agreed overdraft limit ဆုိတာရွိပါတယ္။ အဲဒိထက္ေက်ာ္လြန္ေအာင္ သုံးစြဲမိလုိ႔ရွိရင္ ဒဏ္ေၾကးအၿဖစ္ 25-35 ေပါင္အၾကား ဘဏ္အေပၚမူတည္ၿပီး သတ္မွတ္ထားတဲ့အတုိင္း ေပးရပါတယ္။ တကယ္ေတာ့ အဲဒိႏႈန္းထားေတြဟာ သိပ္ကုိမ်ားၿပားတဲ့ အတုိးႏႈန္းေတြနဲ႔ တြက္ထားတာ ၿဖစ္ပါတယ္။
2006 Barclays Bank Annual Report အရ သူတုိ႔ရဲ႔ အၿမတ္ဟာ ေၾကာက္စရာ လန္႔စရာပါ။ စကန္႔တုိင္းဟာ ေရႊလုိ႔ဆုိပါရေစေတာ့။ စကန္႔နဲ႔အမွ် မိနစ္နဲ႔အမွ် အၿမတ္အစြန္းေတြဟာ တရိပ္ရိပ္ တက္ေနပါတယ္။
£2,267 for every second of every day throughout the year, or £136,000 a minute လို႔ ဆုိထားပါတယ္။
အဲဒိလုိ ၿမတ္ေနတဲ့ၾကားကေတာင္ ဘဏ္ေတြဟာ unauthorized overdrafts အတြက္ ဒဏ္ေၾကးေငြကုိ The Current Bank of England' base rate ထက္ ေလးဆေလာက္ ပုိယူထားတယ္လုိ႔ ဆုိပါတယ္။
ဒါဟာ ဘယ္လုိမွကုိ မတရားတဲ့ကိစၥ၊ Fair Trading မဟုတ္တဲ့ အၿဖစ္ပါလုိ႔ ဆုိၾကပါတယ္ရွင္။

What this minority experiences is a succession of hidden charges designed to make up for the fact that the majority receive their “free” banking. It comes in the form of extortionate unauthorised bank charges. For example, Barclays charges 27.5% for anyone who goes over their agreed overdraft limit. A fee of £30 is charged per account per day, up to a maximum of £90 within each monthly charging period.
On top of that, a “paid referral fee” of £30 is charged when Barclays actually pays out for an item that results in your account going overdrawn by more than £5 without an agreed limit, or by more than £5 above an agreed limit.
In addition, this fee is also charged if Barclays pays any further items that increase your unauthorised borrowing by £1 or more. It is easy to see how an inadvertent slip can cost a small fortune in charges.
Logically, this does not make sense. The cost of offering a banking service is fundamentally the same for every customer. Sure, there are additional costs, such as the cost of sending out a letter to someone who is overdrawn. But independent experts commissioned by the BBC have estimated that the “true” cost of doing so works out at no more than about £4.50, while the interest charged on that unauthorised overdraft is more than four times the current Bank of England base rate.
In other words, the way costs are incurred and profits made is skewed dramatically against those less able to pay them. That cannot be right.


အဲထိေတာ့ (လြန္ခဲ့တဲ့ ေၿခာက္ႏွစ္အထိ္ ) ကုိယ္႕ရဲ႔ နစ္နာေၾကးေတြအတြက္ ဘဏ္ေတြမွာ ၿပန္ေတာင္းဆုိႏုိ္င္ပါတယ္။ စာေရးေတာင္းဆုိလုိ႔မွ အဆင္မေၿပရင္ OFT ( The Office of Fair Trading ) ရဲ႔ အကူအညီ နဲ႔ တရားရင္ဆုိင္ႏုိင္ပါေသးတယ္ လုိ႔ ဆုိထားပါတယ္။
Consumers can claim back up to six years of charges.Involved alongside HSBC, RBS and Barclays in the test case are HBOS, Lloyds TSB, Abbey, Clydesdale and building society Nationwide. Together they provide about 90 percent of UK personal current accounts.

စာေရးေတာင္းဆုိႏုိင္ဖုိ႔အတြက္လည္း အသင့္သုံးလုိ႔ရေအာင္ ပုံစံနမူနာပါ တခါတည္း ထည့္ေပး ထားပါတယ္။ လုိအပ္သူမ်ား အသုံးၿပဳႏုိင္ေအာင္ ကြ်န္မလည္း ေအာက္မွာ တစ္ခါတည္း attached လုပ္ေပးထားပါတယ္။

http://primeupload.com/file/128204/bank-charges-claim-form.doc.html

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