Can bank take my entire wages to reduce the debt on the account?

izools

Varin wrote: »

Very judgemental you are, my friends...
Fraud accusation - no, I lost my job, after I wrote the cheque.

Right, but did you call the bank to cancel it?

No. So irresponsible use of your account.

As an grown-up, you have a responsibility to either ensure funds are preset to cover pending transactions or cancel those pending transactions that you won't be able to cover.

It's mind-numbingly simple and if people did this they wouldn't get charged. It beggars belief that such a large proportion of society can't figure this out.

"Oh, there's a DD / Cheque / SO due out in a couple of days that I can't afford. Shall I cancel it? No. I'll ignore it and complain when I get charged".

I mean c'mon, what? Grow up.

jjlandlord

I guess many will agree with me that buying food and paying for water/gas/electrics/rent is more important than just covering an unplanned overdraft.

In such case you should have made the cheque.

Varin

Izools - I fricking forgot about this bloody cheque, OK? Is that so hard to imagine? If all you have to say is "Oh, sooo irresponsible", "Grow up", "You're an adult" - Why don't you just become my Mom, 10 years ago? How about, you open a new thread where you can preach, and tell people what mistakes they are doing, and how immature they are? Sh*t happens, and I know that, but I definitely don't need you to point it out in every post. Can you help with an constructive answer? No? Well, thank you, goodnight

opinions4u

Varin wrote: »

Izools - I fricking forgot about this bloody cheque, OK? Is that so hard to imagine?

No. But that isn't the bank's fault.

Varin

opinions4u wrote: »

No. But that isn't the bank's fault.

I never said it is, did I? Please, can you quote me on that?

izools

Varin wrote: »

Izools - I fricking forgot about this bloody cheque, OK? Is that so hard to imagine? If all you have to say is "Oh, sooo irresponsible", "Grow up", "You're an adult" - Why don't you just become my Mom, 10 years ago? How about, you open a new thread where you can preach, and tell people what mistakes they are doing, and how immature they are? Sh*t happens, and I know that, but I definitely don't need you to point it out in every post. Can you help with an constructive answer? No? Well, thank you, goodnight

It sounds like your mother gave you sound advice 10 years ago.

I gave a constructive answer in my original post:

And yes, the bank are within their righs and within the terms you agreed to in taking your money to clear the debt.

The reason for the "preachy" replies is your attitide, not what happened. In your opening post you swore about your bank and every reply since then conveys an attitude that you believe you are infallible and everyone else is to blame.

Varin wrote: »

I never said it is, did I? Please, can you quote me on that?

OK, sure.

"They allowed" - I mean, there was no funds in the account, so cheque shouldn't really go through, should it?...

antrobus

Varin wrote: »

All I want to know is, if I can go to the bank and say: "Look, I have no money to live, can you give me my wages back, deduct small amount to cover some of the unplanned overdraft, and give me the rest, so I can go to Tesco and buy some mince and pasta."

Yes you can.

Varin wrote: »

I'm asking you guys if you know of any regulations that I can bring up when talking to them, to achieve my goal - eat today.

I am not aware of any. You will be reliant on the bank's goodwill.

The only other suggestion I can make is that you talk to your employer. Explain to them that their mistake regarding the payment of your wages has given you a bit of a problem, and ask them very nicely if they will advance you some money to tide you over.

Going4TheDream

You say that you wanted your wages to go in to a different account? Is there anyway that you could secure a small overdraft on this other account if the one on your Lloyds account is no longer available...it is not clear from your post whether it is or isnt. Failing that do you have any friends or family that can help you out in the interim for food and speak to all the accounts for your bills to explain the situation and see if they can spread this months bills over the next couple of months and have a couple of tight months getting back on track? Doesn't seem that the bank haven't acted badly at all and if your LLoyds account is still open then beware that you may well incur unauthorized overdraft costs etc. Whilst it isn't a good situation to be in and must be frustrating, perhaps the response you have received here is down to astonishment that someone can write a seemingly large cheque and forget having done so. As other posters have said it is kinda fraudulent to write a cheque knowing there are not the funds to cover it so I can only assume if you weren't acting fraudulently that you must have had the money in there at some point to cover it.... I would be questioning myself as to where that actually went or what I had spent it on!!! I know personally that I would know if I had written a large cheque and whether it had cleared my account or not...perhaps would also be a good idea to start checking statements to avoid something happening like this is the future.

izzieprest

You can speak to someone in the repayments department and make a repayment plan

pompeyred

Yet again bully boy izools goes off on a rant about those less 'smart' than himself, yet in his own signature it quite clearly shows that he is now wiser, brigther and more mature..... heaven help us izools that you weren't always number 1 at everything financial you jumped up idiot....

Go and find some other posters where you can further self inflate, there's a big bunch of people like you on here that whilst you seemingly carry the intelligence to offer sound advice you choose to do so through venom and puerile comments AT people, what you've said probably isnt wrong but to attack someone..... geez - how do you keep a friend base..... if that's really what you are like.....?