Help can they do this...?

Marc25

Hi having a bit of trouble with A&L.

I wasn't sure what had happened until numerous email with a&L and statement checking!

see below....

I have a current account with them and have a debit card.

4th feb paid for travel card £171.00 using my debit card - (plently of money in account to cover it.)

12th feb check account and notice i have £190 in account (didn't put two and two together!!) spent money thinking everything must have been paid by now.

then 14th feb i find myself overdrawn £171.

now i know i should have checked before taking the money but i was unaware of the following process >>

you pay for an item (travel card in my case)
if the company whom you paid for the item doesn't take the money within 7 days it gets put back into your account available to withdraw

After finally getting the process explained to me after numerous emails backward and forwards I debated this process but was told this is the way it is.

harsh and not fair but thats the system so be it!
I emailed them to say i will pay £171 in on payday this month 31st march.

Now A&L have charged me £5 per day totalling £160 they have told me i must pay this by the 8th.
there is no way i can afford this ... i actually can't really afford the £171 but will have too!

What can i do?

The way i see it:

Pay £171 31st march
then balance £0
8th april minus £160
then if i pay that next payday 30th april i will have incurred more charges!!!!

Help please!

Marc

lorac3

Sorry I can't help, but I have an account with A&L just for my wages and they are sooo slow at updating the balance in the account. I used to rely on checking the balance at the cash machine and always thought I had more than I really did !
I have now gone on to online banking so I can keep track of everything.