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Thats another fine mess I got myself into

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  • dentonemma
    dentonemma Posts: 240 Forumite
    Hi Red
    I also bank with A&L I have noticed that they take off the amount you have paid for something and then hold back the same amount untill it clears.
    Pay £7,500 in 2011 paid £29,325 No 43 OP £21,825
    Olympic 78= £20,000 paid £35,708 over paid £15,708
    Mortgage over payment £1996/£1497 paid in 2011
    sealed pot 4 number 845
    Weight Loss 29lbs/13lbs
  • MrsMoo2U
    MrsMoo2U Posts: 4,005 Forumite
    dentonemma wrote: »
    Hi Red
    I also bank with A&L I have noticed that they take off the amount you have paid for something and then hold back the same amount untill it clears.


    WHAT?????? well that kind of makes sense as the amounts that are missing are usually about double what I have accounted for. That still doesnt explain the £75 though. However What right do they have to do that. Abbey never did that!!!!!! I am SO sick of financial institutions thinking that they have the right to do anything they want to with my HARD EARNED money.

    Sorry Red, rant over but I feel a customer service letter coming on and the question "under which banking regulation or piece of legislation do you operate this practice under?"
    Some days there aren't any trumpets, just lots of dragons. Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, I will try again tomorrow -- Mary Anne Radmacher
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Morning Ladies

    Was just so tired last night I had to go to bed as soon as I got it - toes hurt because I had driven 120 miles

    But today is a new day and the big chq of the month has arrived. So more money crunching today - :)

    re Absurd&Ludicrous - chancers, complete and utter chancers, I do wish I was smarted and was able to challenge them re banking legislation in some way!

    Hope you all have a sumptuous Saturday!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • pania
    pania Posts: 8,258 Forumite
    Yaaay!!! Big cheque time! Have fun working out what to do with it hon! :d
    debt @05/11/11 £12210.63!! slowly chipping away!!
    :heart2:impossible is nothing.:heart2:
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    edited 4 September 2010 at 11:09AM
    Oh, a sumptuos Saturday: I like that! :)

    Unfortunately, I'm working 3-8 so there's little chance of that, but I'll have to have a semi-sumptuous morning!

    Y'know, this whole thing about card charges taking absolutely ages to come through strikes a cord with me, too: I had exactly the same with HSBC, and I've not found A&L to be as bad (yet!), but they took FOUR DAYS to send a payment to my CC, which is with another bank.* :mad:

    *I think I may have mentioned that above, but I'm still cross! ;) I shall have to revert to my old, infinitely quicker method of transfering money to my HSBC account (a matter of hours during the business day), to then paying from my HSBC account to the CC (overnight).

    Ah well, you live and learn. At least it wasn't on a time limit.
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Some transfer instantly but some take days - ridiculous!!

    There will soon be a day when I can tell Absurd & Ludicrous to F Off, but until they get their o/d back........................
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Good news I forgot to share ............£75 charges refund from B'card - had claimed less!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    REDMADCURLS wrote: »
    Good news I forgot to share ............£75 charges refund from B'card - had claimed less!

    Woo hoo! :T Now, find a good use for that, Reddie! ;)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    LMAO - yeah like I get to decide, they just take it off what we owe them (and they don't even include that in min payment)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    REDMADCURLS wrote: »
    LMAO - yeah like I get to decide, they just take it off what we owe them (and they don't even include that in min payment)

    Really? And that's allowed? How come?
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P    roud to be dealing with her debts 1198~
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