im going to get charged,

tbag23

I was told yesterday by somebody at work that we were getting paid on tuesday, yesterday. so i went home and tried to check my internet account but it was down. so i thought ill top up my phone (because last time it didnt let me if i had insufficent funds in my bank account) it let me top up £10 so i thought i must have been paid. so i paid a £10 bill online too. I have come into work today and checked my account and i have not been paid. So basically im going to get charged twice arent i? the problem is im in my £100 overdraft already so am i going to get 2x going overdrawn plus 2x going over my overdraft? this payments are not showing on my statement online yet though? cheers guys

natweststaffmember

tbag23 wrote: »

I was told yesterday by somebody at work that we were getting paid on tuesday, yesterday. so i went home and tried to check my internet account but it was down. so i thought ill top up my phone (because last time it didnt let me if i had insufficent funds in my bank account) it let me top up £10 so i thought i must have been paid. so i paid a £10 bill online too. I have come into work today and checked my account and i have not been paid. So basically im going to get charged twice arent i? the problem is im in my £100 overdraft already so am i going to get 2x going overdrawn plus 2x going over my overdraft? this payments are not showing on my statement online yet though? cheers guys

Are you within the overdraft or are you over the overdraft? Have you now been paid yet?

tbag23

natweststaffmember wrote: »

Are you within the overdraft or are you over the overdraft? Have you now been paid yet?

after these £20 goes out im over the overdraft. i get paid at midnight tonight im told (again)

natweststaffmember

Is your available overdraft showing as £0.00? Until the items have gone through your account you won't be charged.

tbag23

yeah im at like -97.00 and my available is 0.00 its been like this since the 15th may according to my statement as i have not touched it since then. The payment i made and my top up are not showing on the statement yet.

natweststaffmember

tbag23 wrote: »

yeah im at like -97.00 and my available is 0.00 its been like this since the 15th may according to my statement as i have not touched it since then. The payment i made and my top up are not showing on the statement yet.

You might be lucky to avoid any charges providing your pay goes in tomorrow

tbag23

i really hope so as it will be 2x overdraft and 2x over overdraft. i was very silly for thinking i had been paid but last time i tried to top up it told me that i couldnt as i didnt have enough money, it didnt just take it out my account. pay definatly goes in tonight so fingers crossed.

tbag23

just found out the new company does not pay by bacs but a faster payement thing so i wont get paid till tommorow morning. looks like im going to get charged.

Ansu

Try speaking to your bank and explaining the situaiton, they may be willing to waive the charges, failing that you should probably have words with your employer to cover them (if they actually paid you late).

You shouldn't get two charges for being overdrawn, unless you have been overdrawn for sometime (usually one charge per month), though you may get a paid/unpaid item charge for each transaction you make.