Urgent - need advice for my son please

midnight_express · 13 April 2018 at 6:15PM

Borrow the money from a credit card.

John-K_3 · 13 April 2018 at 6:45PM

mardatha wrote: »

I'm not on any wrong path thankyouverymuch, I don't have any debt and I don't intend to pay his. He is in his late 40s and only told me about this problem because I asked him why he looked so ill and so tired. I'm not here to fix things for him, only to advise him how he can do it himself. And I'm not entering into any discussion here.

You said above that you don’t have the money, so your willingness is neither here nor there. You can’t post that and then claim that you are just choosing not to help.

I’m just pointing out that if neither of you have an emergency fund then both you could treat this as a bit of a wake-up call.

Anyway, people have told you the situation, so no conversation needed.

Dobbibill · 13 April 2018 at 7:35PM

OP - cancel the DDs - set them back up with better dates that line up with his pay day.
This should prevent any charges and he can allow just the most vital to be paid.

If he does receive charges, the bank can sometimes waive/refund them as a good will gesture if it's a first offence type thing.

mardatha · 13 April 2018 at 7:37PM

Have told him this, thank you Dobbibill.

midnight_express · 13 April 2018 at 7:46PM

It usually takes three working days to cancel a direct debit.

Dobbibill · 13 April 2018 at 8:06PM

I should have been more specific.....cancel them with the bank either via the phone or internet banking - the companies will have already started the process from their end.

sassy_one · 15 April 2018 at 6:30PM

Direct Debits do not come out at weekends.
So if correct, as you say in your opening post, that his direct debits are due out "tomorrow", Friday being the 13th of the month means that would be Saturday.

He has had all weekend to sort this, given the direct debits wouldn't be attempted until tomorrow (after 12am tonight)

So unsure exactly why your son has claimed to have needed the money so suddenly, perhaps you might want to ask him if he actually needs the money for something other than the alleged direct debits.

mardatha · 15 April 2018 at 7:44PM

He wanted me to transfer money into his account, he didn't want the cash. But that is interesting and handy to know, thank you.

ViolaLass · 15 April 2018 at 7:57PM

sassy-one wrote: »

Direct Debits do not come out at weekends.
So if correct, as you say in your opening post, that his direct debits are due out "tomorrow", Friday being the 13th of the month means that would be Saturday.

He has had all weekend to sort this, given the direct debits wouldn't be attempted until tomorrow (after 12am tonight)

So unsure exactly why your son has claimed to have needed the money so suddenly, perhaps you might want to ask him if he actually needs the money for something other than the alleged direct debits.

It's not difficult to be unaware that DDs don't go out at the weekend (I wouldn't have been sure - I've always had the money so I've never had to care).

Equally, asking why he is panicking at the last minute is a bit naive - that's how people get into trouble!

Mnd · 16 April 2018 at 11:19AM

Presumably this has now been sorted or the fan has been hit.
He needs to draw up his income and expenses and plan how not to get into this situation again

Urgent - need advice for my son please

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