Sorry, how much?!

Elba101

So I rang up the bank just there because I was having trouble accessing my online account and found out that I owe then £450 :eek:

Apparently it was an overdraft that I wasn't aware of. I left the country in Aug and was told it's been overdrawn since October + ridiculous daily charges which have been racking up!

Lucky for me I'm in a position I can pay it off when I get paid next week. I'll be broke for the month, but out of the debt that I was blissfully unaware of 2 hours ago.

I've never been the best with finances and this is my wake up call. Anything like this ever happen to the lovely people of AH?

Would you consider yourself good with money?

FearDark

about three fiddy.

Genghiz Cohen

I think AdsByGoogle made a similar mistake. didn't get no love here either IIRC.

4zn76tysfajdxp

Elba101 wrote: »

Would you consider yourself good with money?

You should ask Ads by Google.

MagicMarker

I was awful with money up until a couple of years ago.

Now I'm fúckin' awesome.

davet82

That wasnt an over draft it was a tax on the air you breath, introdcuded in the last budget, you will get one of them deductions for around the same sum every 3 months directly from your bank account....


oh and welcome home btw

yes

Elba101

davet82 wrote: »

That wasnt an over draft it was a tax on the air you breath, introdcuded in the last budget, you will get one of them deductions for around the same sum every 3 months directly from your bank account....


oh and welcome home btw

I am nowhere near home, hence actually having money to pay it off! The worst part is, I spent 25 mins on a long distance call and I didn't even get my online account details sorted because I answered one of my security questions wrong

Elba101

bluewolf wrote: »

yes

I don't know what questions this is in response too, so to make myself feel better I now think that something like this has happened to you too.

davet82

Elba101 wrote: »

I am nowhere near home, hence actually having money to pay it off! The worst part is, I spent 25 mins on a long distance call and I didn't even get my online account details sorted because I answered one of my security questions wrong

oops thought ya were home, thats shyte

Elba101

davet82 wrote: »

oops thought ya were home, thats shyte, pay it when you get home

Prob best to do it as soon as I can really. Sigh...

JohnMarston

FearDark wrote: »

about three fiddy.

I ain't givin' the bank no three fiddy!

admiralofthefleet

my bank obviously love me. they sent me a letter last week saying i have outstanding payments on my account

Elba101

Elba101 wrote: »

I don't know what questions this is in response too, so to make myself feel better I now think that something like this has happened to you too.

sorry, only saw the "good with money" one
bit tired
was that one

Princess Peach

I am so good at personal finance. I've never been overdrawn, never taken more than a month to pay my credit cards, have always had money in the bank and haven't withdrawn for my savings account since I opened it 6 years ago, keep my debt minimal. And I lived a pretty good lifestyle on a and low paying job and could afford to go back and do my postgrad in Canada this year.

I r proud of my money smarts.

Dravokivich

I seperate my drinking money from money for everything else.

azezil

heh this is why I'm glad I don't have an overdraft
I'm pretty good with money, never left wanting for cash.

ZzubZzub

Moved to England for uni but couldn't open a student bank account (which have no overdraft fees) having not lived in the UK for 3 years previous.

Got a letter one day saying I owed them £275. I had gone overdrawn and they charged me £75 for going overdrawn and £10 per day it wasn't rectified. I had come home for a few weeks so hadn't used the account, or checked my balance or anything.

£275 pound for going overdrawn. By 20p.


I'm currently living in my Irish overdraft. I'll pay it off when I qualify.

Doc Ruby

azezil wrote: »

heh this is why I'm glad I don't have an overdraft

The banks are sneaky though, I've numerous bank accounts for various purposes and they put an overdraft on them all without me knowing it. Smells a bit like sharp practise to be honest and the charges are definetely excessive.

Elba101

Cleeo wrote: »

Moved to England for uni but couldn't open a student bank account (which have no overdraft fees) having not lived in the UK for 3 years previous.

Got a letter one day saying I owed them £275. I had gone overdrawn and they charged me £75 for going overdrawn and £10 per day it wasn't rectified. I had come home for a few weeks so hadn't used the account, or checked my balance or anything.

£275 pound for going overdrawn. By 20p.


I'm currently living in my Irish overdraft. I'll pay it off when I qualify.

That's exactly what happened me! Just pay it off before the fees keep adding up! Although, this is the kick up the hole I need to get my saving in gear!

pow wow

Yes, only one black spot on my credit record which I think has been wiped off now and one run-in with a debt collector :cool:

cade

Being not but a poor student for a number of years I went for almost a year with only €0.30 in my account so didn't take notice of the statements I was getting in the mail until a few months later when I finally opened one to notice they'd charged me €10 for the account. Well that was my weeks living expenses gone right there.

JuliusCaesar

Elba101 wrote: »

Apparently it was an overdraft that I wasn't aware of. I left the country in Aug and was told it's been overdrawn since October + ridiculous daily charges which have been racking up!

Shame you're not here. If you were a taxpayer here, you'd OWN the bank!

pirelli

Elba101 wrote: »

So I rang up the bank just there because I was having trouble accessing my online account and found out that I owe then £450 :eek:

Apparently it was an overdraft that I wasn't aware of. I left the country in Aug and was told it's been overdrawn since October + ridiculous daily charges which have been racking up!

Lucky for me I'm in a position I can pay it off when I get paid next week. I'll be broke for the month, but out of the debt that I was blissfully unaware of 2 hours ago.

I've never been the best with finances and this is my wake up call. Anything like this ever happen to the lovely people of AH?

Would you consider yourself good with money?

How much did you initially owe them. I left my bank of Ireland account with 2 cents in it. 4-6 months later i got letter saying i owed them 16 euros.

There were a some charges of about 28 cents which made my account overdrawn by 2 euro, then every week there was an interest charge. I paid I think 800% interest on that 2 euro.

800% - Imagine earning 800% interest every 6 months.

JuliusCaesar

pirelli wrote: »

800% - Imagine earning 800% interest every 6 months.

JuliusCaesar wrote: »

If you were a taxpayer here, you'd OWN the bank!

Dreams on.......:rolleyes:

Old Perry

Im with BOI , so yes i have to be carefull with money or theyll fine the sh*t out of me.

Stiffler2

If I were you I'd tell the bank to Fúck off, close your account and then open a new account in a different bank

problem solved

It's legal to do this as well and they can't make you pay it back.
Just look at Sean Fitzpatrick,