Will I be charged?

rowdyp

- I had approx £20 of my overdraft left.
- I normally have a DD go out on the 28th of £32. (Next Tuesday)
- I planned on putting money in today to cover the difference.
- When I checked my online bank today before the money went in my balance was £0 and the Direct Debit was marked as going out on the 27th (next Monday)
- I put £60 in and now having checked my balance, it is reading approx £48 (£20 minus £32DD plus £60)

Will I be charged for going over my OD limit or did I never pass my OD limit since the DD is marked for going out on Monday. Plus, if they had tried to take it today it would have been rejected. They wouldnt have taken £20 then the rest when it went in today?

Sorry if its confusing. Thanks

stclair

rowdyp wrote: »

- I had approx £20 of my overdraft left.
- I normally have a DD go out on the 28th of £32. (Next Tuesday)
- I planned on putting money in today to cover the difference.
- When I checked my online bank today before the money went in my balance was £0 and the Direct Debit was marked as going out on the 27th (next Monday)
- I put £60 in and now having checked my balance, it is reading approx £48 (£20 minus £32DD plus £60)

Will I be charged for going over my OD limit or did I never pass my OD limit since the DD is marked for going out on Monday. Plus, if they had tried to take it today it would have been rejected. They wouldnt have taken £20 then the rest when it went in today?

Sorry if its confusing. Thanks

Do you bank with Natwest or RBS by any chance?

If thats the case as long as you have paid money in by 2.30pm on the Monday you should be fine.

Twister84

stclair wrote: »

Do you bank with Natwest or RBS by any chance?

If thats the case as long as you have paid money in by 2.30pm on the Monday you should be fine.

The item could still be being returned. Best to ring up or pop into a local branch to make sure.

stclair

Twister84 wrote: »

The item could still be being returned. Best to ring up or pop into a local branch to make sure.

Ive never known that to happen to date however I appreciate there is a first for everything.

If theres cleared funds in the account on the monday before 2.30pm it should be alright.

Chadsman

Nationwide require you to have sufficient funds (or overdraft) by 11.59pm the previous day or 9.00pm if that is a sunday.

Twister84

stclair wrote: »

Ive never known that to happen to date however I appreciate there is a first for everything.

If theres cleared funds in the account on the monday before 2.30pm it should be alright.

I'd still double check because in the past, I've still had to push the payment through on back office even though the customer's paid in.

We can't check Recorded Items on weekends, so aren't able to confirm the payment