Ex's money not in account now I am over overdraft

bryanb

!!!!!! wrote: »

How can £360 being paid in a few days late cause a £250 overdraft?

A Direct debit for £250 or 2 for £125 or anything really.

dmg24

DUTR wrote: »

Seems strange , when I transfer money into another bank it appears instantly in the recieving account.
Saying that I pay CSA directly and would not pay the PWC directly.

It sounds like the two banks use faster payments. Not all banks do.

!!!!!! wrote: »

How can £360 being paid in a few days late cause a £250 overdraft?

Bad planning - bills scheduled to go out on the same day that money is due to come in. Very risky!

DUTR

dmg24 wrote: »

It sounds like the two banks use faster payments. Not all banks do.



Bad planning - bills scheduled to go out on the same day that money is due to come in. Very risky!

It seems that way, Lloyds,Halifax, Barclays are 3 I use regularly.
Yes I don't set DDs to come out on the 1st even though the salary is always in the working day before :j

Caz3121

fifipat wrote: »

Can I make a claim againt him for bank charges?

Do you have it in writing that he must pay on a specific date - my husbands ex tried this approach once to reclaim bank charges from him as she 'says' she had her direct debits coming out the same day as the maintenance went in which was his pay day...when payday falls on weekend then he doesn't get paid till the next banking day (and if a holiday Monday then this could be 2 days later) turns out the consent order states the amount that he should pay monthly but not a specified date so she did not have a leg to stand on and was told she should shift her direct debits to account for this

fifipat

Money has always been in my account by the 30th and the arrangement was made through the CSA that money would be paid directly into my account! When I spoke to him this morning he said he had changed bank accounts but has presumably not ensured that my money would be in my account on time. My direct debits are set up to be be paid because this is the only money that gets paid into the account on the same day of the month. Benefits are paid fortnightly or 4 weekly. He is the one who should have made sure that money would have been paid in on time. I am £250 over my overdraft because the £360 that should have been paid in to the account from ex would still have left me £90 to live on until IS gets paid in on 14 May! More than enough for 10 days to live on without surprises like this. I do have his 3 children to feed and send to school. We are not on good speaking terms and he hung up on me this morning when I asked about the problem with the money. He is an Ambulance Technician or Paramedic so earns a decent wage and when the assessment was made he had only just qualified so has had a few increases in salary. He was the one who walked out on me but it is always me who is left to pick up the pieces. I was the one who supported him when he left a full-time job to change career and had to put up with him earning less money until he was able to go on the training course after which he walked out and left. He sees his kids twice a fortnight, rarely overnight and can't tell me when he wants to take them during the school holidays.

Tomorrow will now be spent going to the bank and the benefits office to see what I can sort out so that I can actually feed everyone for the next 10 days. If it wasn't for the fact that I can't get my benefits monthly instead of 4 weekly I wouldn't need to rely on his money to pay my direct debits. This is all compounded today because of the Bank holiday and everywhere is closed. If it hadn't been that i was checking my bank account online I wouldn't have known about this for longer.

I wanted positive responses not negative ones. It is not possible to suddenly find £360 to pay into the bank when I was not made aware that this would be happening. If he had at least said that the money may be late going into the account I could have at least made some provision to ensure that the bank knew and possibly arrange to borrow money to cover the bills. This is not a problem with one bank being slower to pay money in than another this is an example of an ex who couldn't care less about his obligations to his children. This is not a problem of my making hence the question about the Crisis Loan. Unless anyone has any positive help to give please keep your opinions to your self. I am already upset and depressed enough about the situation without more negative comments.

Thanks

DaisyFlower

"had to put up with him earning less money"

I think you lose any sympathy with that comment At least he appears to have always worked and supported his family and is still doing so now even though the relationship has ceased. Given that you claim IS, how can you slate him for not earning enough to provide for his children when you are not even working yourself.

The update of CSA payment level after one late payment is very selfish - it was an error due to the moving of accounts. Its not his fault that you set your DD's so close to the payment date and dont have your own salary etc.

Caz3121

It looks like it is the bank account change that could have caused this. When I transfer money between accounts of the same bank (and sometimes another bank) this happens instantly, on other occassions transfers to a different bank can take 3 days....giving him the benefit of the doubt he may have made the payment in exactly the same way as every other month but due to the change did not know it would not get to you immediately (so was unable to tell you) - it would have come out his account immediately and hangs in limbo for a few days neither in his account or in yours. If this is indeed due to the bank transfer it is likely that this will happen every month now - I am assuming he transfers as soon as he is paid so is unlikely to be able to bring it forward.

Is the £250 bank charges for going into your overdraft for a weekend caused by the late transfer...seems really steep

karenx

Caz3121 wrote: »

Is the £250 bank charges for going into your overdraft for a weekend caused by the late transfer...seems really steep

I think the £250 into overdraft is caused by DD's coming out.

OP I really dont think its fair to ask your ex to pay any bank charges. Im sure he didnt do this intentionally. As has been said itl be because he has changed to a different bank so therefor transfers dont happen straight away. And also you shouldnt set up your DDs to come off on the same day you expect payments. What if he lost his job and told you at last minute he was no longer paying till he got another job? Would you still expect him to pay just because you have DD's set up for same day?

Move all your DD's to a later date. Or stagger them throughout the month so you dont have everything coming off at one time so if something like this does happen again its not going to leave you with no money.

Amistoso_2

wasting your breath people, just think she came on here for a vent and isn't interested in what people have to offer, I don't think my comments were rude, intrusive or unfair, didn't get a thanks for bothering though, seems like one very bitter individual...

fifipat

Ok in response as I have already stated it is difficult to arrange DDs when my other payments into my account are fortnightly, 4 weekly and my CTC gets paid by giro (not by choice). Previously payments have been received without a hitch regardles of weekends and holidays. I am not dealing with a reasonable person. For the record, I have previously worked for 17 years during which time I was always the main earner and had to endure him being sacked twice. The second time when he was in a really good job and he did something really stupid. As for my finances, had everything gone to plan and the money paid into the account I would still have been within my overdraft limit and would not be incurring additional charges. I permanently have a £500 overdraft which I can't get out of as I never have enough extra cash. I presume that everyone that has had a go at me has enough in their bank accounts to cover all of their DDs if their wages doesn't get paid on time? Or have you run out of money by the last week before pay day? In a perfect world the banks would be able to cope with bank holidays (since when did computers take a break), exs would be more considerate and i would be abe to get a job that fits around my childcare needs. If I use telphone banking or internet banking my transfers are made immediately. If I had been moving bank accounts I would have ensured that all my commitments would be met prior to the move. This whole problem could have been avoided if he had one iota of consideration.

Noone has actually answered my question regarding the Crisis loan. I don't think it is too harsh either to review his maintenance payments when they haven't changed in over 3 years but his salary has increased. I find it interesting that some of you make judgements without knowing the full situation.