overlimit- dont know how

shamu95

have just posted thread about haircut and decided to go online and see how much i had in account and its £13.20 in credit. however my credit card says that i am overlimit and i can not understand this. i havent used it since january and i won a my charges back and they should have been paid straight off my card. it wont show up recent transactions just keeps saying to make a payment. i am not understanding at all. thought i was doing so well.
i m never gonna get out of this mess. all hard work seems to be for nothing now. so upset and dont know what else i can do. where am i going wrong?

hypno06

All I can suggest is that you give the bank and your card provider a call and ask them to explain what they are doing and why.

But in the meantime, stay with it, you are doing well x

shamu95

thanks, will give them a ring when ive sorted myself out. didnt think id be so upset but i feel a failure at the mo yet i know its prob only a slight setback

Storm

All I can assume is that they've lowered your limit without telling you - which I'm sure they're not allowed to do!

Give them a call & let us know how you get on

immoral_angeluk

Could it be that a recent payment is showing up on one but not the other?

Skint_Catt

Your card could have a fraudulant transaction on it - you need to check ASAP.

I had $2000 Singapore dollars on one of my cards once - about £140 - but the card firm refunded it after a week or so of investigation.

Catt xx

shamu95

hi guys. have just called up and its due to my payment protection that i did write and cancel in jan but they have no knowledge of it. have now cancelled it but they are still gonna charge me an overlimit fee and i must pay £22 today. Also they have no knowledge of charge refund so must wait till next months statement.
what a mess. also halifax have refused to refund my £39 charge. i wish money grew on trees!!!

tomterm8

shamu95 wrote: »

hi guys. have just called up and its due to my payment protection that i did write and cancel in jan but they have no knowledge of it. have now cancelled it but they are still gonna charge me an overlimit fee and i must pay £22 today. Also they have no knowledge of charge refund so must wait till next months statement.
what a mess. also halifax have refused to refund my £39 charge. i wish money grew on trees!!!

Oh well... just start the process of reclaiming your charges again. They don't learn, do they? LOL.

DawnW

can you not cancel your payment protection to avoid this sort of thing happening again? Would you even be eligible to claim on it if you lost your job or whatever? Lots of people are not.

shamu95

i have cancelled it over the phone today. i have used it in the past. however i still have to pay for the month which still leaves me overlimit.
am rather upset by the whole thing at the moment. my dd has said not to be upset as she loves me. some things are just so much more important i guess.