So annoyed and upset

r.mac_2

I think that it is unlikely that you can leagally make the boss pay up. Afterall, he did pay the wages - it was HSBC that has taken the money. And they took it because of the finalncial situation you are in, not anything to do with thr boss.

Sorry - that's just how I see it.

But, you are doing well - set a budget and sticking to it, most creditors accepting your offer etc, so keep positive. Yes, there will be hicups, but you'll get there.

Good luck x

wherediditallgo

I don't think the boss is liable for the £190. He was supposed to pay your OH's wages, & he did, albeit into the wrong account. The £190 wasn't related to this transaction (charges usually appear on an account the month after you've become liable for them), it seems to have been levied because of an accumulation of charges that had already built up on that account which the availability of his wages meant the bank could now claw back. It would be different if the wages had gone into the wrong account, meaning that an account that is normally in credit went overdrawn & charges were levied that wouldn't have been if the account had stayed in credit. I've got no legal reason for saying this, just the way it reads to me. Sorry.

These things happen, unfortunately, & usually at the most inconvenient times. The best I can say is to stay positive - you've got yourselves a budget, & once you've got used to that, you'll be less likely to go overdrawn & will be more able to reduce then clear the overdrafts you've already got.

Nicki_Sue

Hi all
Sorry I didnt reply to your comments - Ive been out all day.

Now Ive calmed down I can accept that its not the boss' liability. In fact, when we popped in a while ago to pick up his payslip the boss showed Roy the amended details as he's keyed them and as it was 25+ days before pay being processed it appears it is RBS who havent actioned the change.

To explain the charges, it was a £178 loan payment (for HSBC) that came out of the HSBC account (no money) a few days ago and made us overdrawn past authorised overdraft. We are still waiting for HSBC to acknowledge our paperwork etc and have moved all banking to a not debit card, no cheque book cash account at Nationwide and reset up priority dd's and rent payment etc from there.
I dont know what to do now as the £190 is over 1/4 of DH's take home (£671 full time). Im tempted to ask boss to take it up with RBS bjt dont know if its worth it tbh. (sigh). Our first full month of budgetting and I'd done it down to the penny, so please then the start of our month this happens. !!!!!! but cant be helped I guess. I doubt RBS would accept liability and we'd have to explain (truthfully) our situation really.

Oh well, another day, another fe pence.... off to do my quidco daily clicks!

Thanks all

Lemon_Tree

i would very much doubt the boss has liability, as long as he paid your hubby on the contracted day, the contracted amount into an account provided then that's how far he goes, sometimes it just takes time to change bank details over and organisations can't be responsible for that i guess.