Can please help me understand

Stacey81

hello,


I not best at writing cause of my disabilitys but I hopin maybe some 1 can helps me understand somefink. I have ask help here for in parking ticket section and everyon was super helpful me.


I got me self in bit mess with me money and bank. they keep charge me for over draft but me have told them I not want one me not agree to have one. so how me get one when said me not wanted it?


they say cause they must pay some direct payments me get that but me always make sure money in ther for me direct payments but sometimes me forget how much left and use me card online or in storas get food or me medicine syringes and stuff and when I sick like have been last 2 weeks me sometimes use card on ipad.


but use be card say no funds or declined if no money in bank. now it not do it just pay and then get in over draft me say all time them I no want and then charge me lots and lots.


normally this happen just once of hera and thera and me can fix it but cept not this time every month me getting mora mora charges. this month me get over £50 in charges and me get paid day and me bills get paid and more charges ans stuff and me is in over draft al ready. no even get food an that no good as doctor say me need eat.


me did ring me back they say me have 2 mora charges to come out one in November for £65 I think maybeen £68 and and gain in December for £75 or £78.


I ask them why is me card no get declined if no pennys in thera and why me have over draft me say me not wanted it.


me think me understand overdrsft now they say cause they HAVE to pay direct payments to things like gas and other estial home bills. but then me get charge loads if me £1 short when if they say NOO pay me could send carer or husband bank put £1 in and pay bill over phone. but that way it work they say so guess make sence I no really sure but charges geeting more more I not can cope no more now me get paid and by time me pay all bills and charges me have NO pennys leff.


me only have me disability benefits.


me not can understand at all why card can be use if NO money in bank always use say NO can use no money, refused. now they take and charge me loads.


bank say me day me can pay £10 month so that it will stop card from be used if no pennys in bank? why me hav pay £10 to make sure me not go into over draft that me say them I NOT want.


that bit me really not understand is why card work if no money in there. that's what get me in mess I in now make all charges.
and now me charges so high me never have money for food.
me try talk bank but they say lots dif things and confuse me more and mora.


me also hav be payin £20.20 week for home contents insurance from me bank me took me tenancy agreement down show me MUST have home insurance that do cover windows.


couple months go police break in me flat they think me fall out me chair me was OK me was on away. but me come home ask insurance fix me window they say me insurance don't cover that. so me paying lot me pennys for somefink thay say will cover but not do. and not know how stop money go out me bank.


how me stop insurance?
Why do me need pay £10 make so card not work if no money that use be free?
how me get bank stop charge me for over draft me telled them me not wanted?


thank you for you help


Stacey


PS, I do get things, I just get things slowly

dunstonh

A current account is a credit facility. The bank can agree not to give you an overdraft facility and if you have a transaction that was to put you overdrawn then they can bounce some items unpaid. However, not all transactions you do can be bounced and the bank has no choice to pay them which would put you overdrawn if there are not sufficient funds in the account.

I ask them why is me card no get declined if no pennys in thera and why me have over draft me say me not wanted it.

Not all transactions are checked against your balance. These would not be declined.

You need to remember that the bank is not there to manage your spending. You need to do that yourself. Some people use a notepad. Some use a spreadsheet. Some use software like Microsoft money. People that use any of these methods tend not to ever have an issue with the bank.

I would recommend you arrange an appointment with the bank and tell them you are struggling to understand how the account works and that this is causing you to have charges which are difficult to pay as you are in financial hardship.

Stacey81

hello dunstoh


thank you for informatian


I did speak to advicer at bank they tell me I has pay them either £10 month for card not pay out if no money in bank or pay for over draft me not want.


me see my advocate on wed 2nd me will get her help me work it out cause no make sence have pay bank MORE they alrady take lots me mony now they want me pay things me not want.


thank you
stacey

-taff

You should also ask your advocate about budgeting if you can, how to set one up, how to understand that you should be keeping money back for things you have to pay in the future, like energy bills.

You went overdrawn because you spent more money than you have coming in. The bank had to pay for some of the things you spent money on even if you didn't want an overdraft because they had to.

This means you went overdrawn, which means you ended up having to pay charges for going overdrawn.

Ask your advocate if they can speak to the bank about spiralling charges, which basically means your not getting out of your overdraft because youre paying more money back in charges every month.