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Will we get charged?
ltm07
Posts: 966 Forumite
Checked our bank account this morning & completely forgot about our mobile phone bills going out as we have not long changed networks. We were £20 over our authorised overdraft so i transferred £50 straight away. Rang them up to ask if we would be charged & they said they wouldn't know until they checked their systems tomorrow. Do you reckon we'll be charged? I will be livid if we are. Thanks in advance.
Debt at LBM(July 1st 07)-£35,053.92 Debt on 1st Anniversary of LBM(July 1st 08)-£33,170.11 (31st January 09)-£32,318.73Paid off so far £2,735.19(7.8%) Average paid off p.m. £143.95 L/H supporter 115 DFD target February 2018 DFD March 2028. PAD(Started 28/12/08) £253.77 £10 a day Feb £110/£280 WEDDING Paid off £1,585.96 Saved Up £925.40
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Comments
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If you've kept your account in good working order and they DO charge you, you'll find most banks will refund the charge if you speak to your local branch manager and point this out. Make sure you tell them you transferred funds as soon as you were aware. My mum did this after going 17p overdrawn for the first time in 27 years....they refunded it immediately and the branch manager was very helpful.0
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Hi, I agree with Rain,
You will probally get a charge on the account as its just a computer pumping out the letters. Speak to them and they will hopefully refund.Official DFW Nerd Club - Member no. 297 - Proud To Be Dealing With My Debts
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Thanks for replying guys. Hopefully they won't charge me,will let you know how we go on in the morning. Like you say it was a complete oversight. Got all my D.D. dates written in a diary,but completely forgot to put the mobile DDs in :mad: ! Thanks again.Debt at LBM(July 1st 07)-£35,053.92 Debt on 1st Anniversary of LBM(July 1st 08)-£33,170.11 (31st January 09)-£32,318.73Paid off so far £2,735.19(7.8%) Average paid off p.m. £143.95 L/H supporter 115 DFD target February 2018 DFD March 2028. PAD(Started 28/12/08) £253.77 £10 a day Feb £110/£280 WEDDING Paid off £1,585.96 Saved Up £925.400
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Phew that was lucky! Rang Halifax up & we were going to get charged! Asked the lady if she could waiver it & she has done,but i think it was only because we have our mortgage with them(heard her muttering that we have a loan & our mortgage with them)! Going to have to be alot more careful in future!!Debt at LBM(July 1st 07)-£35,053.92 Debt on 1st Anniversary of LBM(July 1st 08)-£33,170.11 (31st January 09)-£32,318.73Paid off so far £2,735.19(7.8%) Average paid off p.m. £143.95 L/H supporter 115 DFD target February 2018 DFD March 2028. PAD(Started 28/12/08) £253.77 £10 a day Feb £110/£280 WEDDING Paid off £1,585.96 Saved Up £925.400
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You where very lucky with Halifax. Although we claimed back bank charges in January and no hassle at all I think lately they are more than tying there belts.
well done:A Tomorrow's just another day - keep smiling0
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