I'm So Worried- Pls Help Mse

So.Sad_2

Hello everyone,

I really really need some help.

I bought some clothes (bought them for an aunt who has paid me back) online and I got a reciept from PayPal and a reciept from the online clothes shop saying they have recieved my payment ie my card has been charged.

I had 31.98 in my card. And I paided out 31.80. Okay? So that means I had 18p?

Okay so on the 22nd I checked my account and it said I had £31 something in my account. I withdrew £30 (I thought my aunt paid me back).

Now I have recieved a letter from my bank (Alliance & Leiscter) saying a have had an unauthorised overdraft something or the other and I owe them £25 Payment Review Fee + £5 for everyday since the 26th.

This is because instead of debiting me on the 20th (I have e reciept saying the transaction had gone through)- PayPal debiteded me on the 26th!

So I owe the bank like £60 + £5 for every day I dont pay. I have no money and I dont know what to do. I am so so so stressed out. I emailed PayPal the situation and I told them its their fault... I called A&L and asked if they can freeze the fine and they said no!!

Please someone give me advice on what to do. I'm a student.

I. A.M. S.O. S.K.I.N.T

lufcgirl

Go into your bank and ask to speak to an advisor. Then explain your situation. If it was your first time of being charged they should waive it with goodwill. Still, speaking to someone in a branch and explaining your situation will be a lot better than calling up.

So.Sad_2

Please please someone reply.... as I really dont know what to do now :-( I've never had anything like this happen to me before....

~Beanie~

It isn't PayPals fault. They transaction went through your PayPal account on the 20th but then they debit your bank account which can take upto 7 days. You really should have checked before withdrawing the £30.

Having said that, try contacting your Bank, as it was a genuine error on your part, they may be prepared to waive some or all of your fees.

Has your aunt paid you back the £30?

So.Sad_2

Yes my aunt has paid me back.

And I have contacted my bank and they said no they will not waive the fees. I think I will have to either borrow or get an overdraft? Omgosh lol I've never ever been in debt. I dont have a credit card and I dont have an overdraft facility....LOL....

Thanks for the replies... I think I will just need to borrow some money from somewhere