ScottR96 Posted May 26, 2011 Share Posted May 26, 2011 Have you spoken to the bank? What did they say? My friend said that she got a letter through today saying she had taken out money she never had. She had £money in it at the start of the month, spend £less-than-£money, and the letter said she had -£2 odd in her account. She's with Clydesdale too, so there much be a problem. No. I haven't spoken to them yet. The thing I had bought online had came off my balance and then the next day it was back up to £10. If they think I'm paying them £2.16 because they made an error they can choke on it. 0 Quote Link to comment Share on other sites More sharing options...
Smurph Posted May 26, 2011 Share Posted May 26, 2011 No. I haven't spoken to them yet. The thing I had bought online had came off my balance and then the next day it was back up to £10. If they think I'm paying them £2.16 because they made an error they can choke on it. That's weird. My friends letter said that she owes the bank £35 for going into negative money. She's not of an age to get into an overdraft, and obviously hasn't spent more than was in her card. 0 Quote Link to comment Share on other sites More sharing options...
Lisa Cuddy Posted May 26, 2011 Share Posted May 26, 2011 That's weird. My friends letter said that she owes the bank £35 for going into negative money. She's not of an age to get into an overdraft, and obviously hasn't spent more than was in her card. That's not quite how it works though. Obviously you can't get an overdraft before you're 18, but to give you an example: You start the day with £10.00 in your account, and at half one, you decide to buy something in a shop that costs £6. Later, you go to the cashpoint and it tells you that there's still a tenner in your account because the shop transaction hasn't actually cleared yet. You take the tenner out and go on about your day. Later, the £6 transaction clears, and you end up overdrawn. It's not an authorised overdraft, hence the charge, but because you have withdrawn that money, they can't recall it from the retailer because you've had the goods that you paid for and they can't very well send someone out to take the tenner off you, you need to pay it back. You friend will probably find that something like this has happened somewhere along the line. I reckon £35 for the charge is a bit steep though. 0 Quote Link to comment Share on other sites More sharing options...
Ad Lib Posted May 26, 2011 Share Posted May 26, 2011 (edited) No. I haven't spoken to them yet. The thing I had bought online had came off my balance and then the next day it was back up to £10. If they think I'm paying them £2.16 because they made an error they can choke on it. No, what will have happened is that the available funds will have decreased (this normally happens online) but the actual sum won't have been taken off to reduce your balance. There is occasionally a latent period where the available balance is no longer held (it's usually only held to guarantee payment), but the sums are not cleared until a few hours later. This happened when I bought my Xbox 360 a couple of years back and it's happened a couple of times with my online groceries shop (never, I should add, causing me to be overdrawn). The fault still lies with you. You have spent the money and you have become overdrawn. You owe them that money whether you like it or not, and the only issue is, since you are not yet old enough to be permitted an overdraft facility, whether or not they'll be allowed to slap an additional charge on you. It doesn't alter the fact that you owe them £2.16 and your Mugabe economics of telling them to "choke on it" won't get you anywhere. Edited May 26, 2011 by Ad Lib -1 Quote Link to comment Share on other sites More sharing options...
Smurph Posted May 27, 2011 Share Posted May 27, 2011 That's not quite how it works though. Obviously you can't get an overdraft before you're 18, but to give you an example: You start the day with £10.00 in your account, and at half one, you decide to buy something in a shop that costs £6. Later, you go to the cashpoint and it tells you that there's still a tenner in your account because the shop transaction hasn't actually cleared yet. You take the tenner out and go on about your day. Later, the £6 transaction clears, and you end up overdrawn. It's not an authorised overdraft, hence the charge, but because you have withdrawn that money, they can't recall it from the retailer because you've had the goods that you paid for and they can't very well send someone out to take the tenner off you, you need to pay it back. You friend will probably find that something like this has happened somewhere along the line. I reckon £35 for the charge is a bit steep though. I understand, but she's pretty certain she never went over the amount that was in her card at any time. Anyway; If I were selling something online and the buyer was paying by cheque, when should I post out what I'm selling? After the cheque has cleared and the cash is in my account? 0 Quote Link to comment Share on other sites More sharing options...
Gaz Posted May 27, 2011 Share Posted May 27, 2011 I understand, but she's pretty certain she never went over the amount that was in her card at any time. Anyway; If I were selling something online and the buyer was paying by cheque, when should I post out what I'm selling? After the cheque has cleared and the cash is in my account? Unless it's a trusted seller, yes - wait until the cheque clears. 0 Quote Link to comment Share on other sites More sharing options...
Smurph Posted May 27, 2011 Share Posted May 27, 2011 Unless it's a trusted seller, yes - wait until the cheque clears. Okay, thanks. That's what I thought. 0 Quote Link to comment Share on other sites More sharing options...
Raith Against The Machine Posted May 27, 2011 Share Posted May 27, 2011 Has anyone sold a number plate before? I'm just back from getting the car out of the garage, and one of the mechanics was looking to buy it, because the first three characters (V41) spell Val, his girlfriend's name. It hadn't even occurred to me before! What he was saying is that all of the "Val" plates go for at least £500, and that I should look around and see what kind of price I could get for it. I'm basically looking for good/reliable websites that I can get quotes from, or however it's done. Cheers. 0 Quote Link to comment Share on other sites More sharing options...
Guest The Phoenix Posted May 27, 2011 Share Posted May 27, 2011 Has anyone sold a number plate before? I'm just back from getting the car out of the garage, and one of the mechanics was looking to buy it, because the first three characters (V41) spell Val, his girlfriend's name. It hadn't even occurred to me before! What he was saying is that all of the "Val" plates go for at least £500, and that I should look around and see what kind of price I could get for it. I'm basically looking for good/reliable websites that I can get quotes from, or however it's done. Cheers. V41 Type V41 into the search box. 0 Quote Link to comment Share on other sites More sharing options...
ajwffc Posted May 27, 2011 Share Posted May 27, 2011 Has anyone sold a number plate before? I'm just back from getting the car out of the garage, and one of the mechanics was looking to buy it, because the first three characters (V41) spell Val, his girlfriend's name. It hadn't even occurred to me before! What he was saying is that all of the "Val" plates go for at least £500, and that I should look around and see what kind of price I could get for it. I'm basically looking for good/reliable websites that I can get quotes from, or however it's done. Cheers. Try the DVLA 0 Quote Link to comment Share on other sites More sharing options...
The Arch Posted May 27, 2011 Share Posted May 27, 2011 My reg starts SDO6 so I could sell mine to Snoopdog. 0 Quote Link to comment Share on other sites More sharing options...
JackDFC Posted May 27, 2011 Share Posted May 27, 2011 Have an iTunes card for £15, bought Tiger 12 and Fifa 11 so far, any other suggestions? 0 Quote Link to comment Share on other sites More sharing options...
saint dave Posted May 27, 2011 Share Posted May 27, 2011 Have an iTunes card for £15, bought Tiger 12 and Fifa 11 so far, any other suggestions? Angry birds and let's golf are good. 0 Quote Link to comment Share on other sites More sharing options...
ScottR96 Posted May 28, 2011 Share Posted May 28, 2011 I got a letter from the bank saying I have 7 days to pay the £2.16 or i will have my card withdrawn. However, the letter is dated 23rd of May and I only got it today, so I actually only have 2 days to pay it. If I phone them, would they extend it because I got the letter 5 days late? 0 Quote Link to comment Share on other sites More sharing options...
Lisa Cuddy Posted May 28, 2011 Share Posted May 28, 2011 I got a letter from the bank saying I have 7 days to pay the £2.16 or i will have my card withdrawn. However, the letter is dated 23rd of May and I only got it today, so I actually only have 2 days to pay it. If I phone them, would they extend it because I got the letter 5 days late? Is "phone them and ask them" too obvious an answer? 0 Quote Link to comment Share on other sites More sharing options...
Sweet Pete Posted May 28, 2011 Share Posted May 28, 2011 Am I right in thinking that clear spirits have fewer calories than beers and wines? 0 Quote Link to comment Share on other sites More sharing options...
ScottR96 Posted May 28, 2011 Share Posted May 28, 2011 Is "phone them and ask them" too obvious an answer? It was much quicker to ask the good people of P&B. -1 Quote Link to comment Share on other sites More sharing options...
Lisa Cuddy Posted May 28, 2011 Share Posted May 28, 2011 It was much quicker to ask the good people of P&B. If you'd phoned them, you'd have your answer by now! 0 Quote Link to comment Share on other sites More sharing options...
Gaz Posted May 28, 2011 Share Posted May 28, 2011 You could just, you know, pay the £2.16... 0 Quote Link to comment Share on other sites More sharing options...
Ayrgirl Posted May 28, 2011 Share Posted May 28, 2011 Am I right in thinking that clear spirits have fewer calories than beers and wines? Yes. Even more so if you are using a diet mixer 0 Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.