The computer must have just caught up on my upcoming birthday.
You poor sod, what a fecking mess.Morning All
Had a lie in today after a worrying day yesterday regarding me 'lost' salary.
The salary was arranged to be processed and sent on the 18th January so that it avoided any delays and was in my account well before all my standing orders and direct debits were due to be paid but even after some preemptive phone calls earlier this week to inquire as to its where-abouts I was informed that it had been processed a couple of days later than normal so would be arriving a couple of days late. This was OK as it was still due to arrive on time.
It still wasn't in the account yesterday morning and all my bills had been paid which had caused the account to go overdrawn (which I hate!) so I started to ring around to try and find out where my money was. The bank told me that there were no incoming payments to my account so I called the sending company and they said they would look in to the issue ASAP.
In the meantime I transferred as much money as possible in to the now overdrawn account to try and reduce it but to no avail... I then reluctantly called the bank to try and arrange a temporary overdraft on the account to avoid any charges and my mobile phone then ran out of credit during the call and of course I had no money left to buy any more and I don't have a land-line phone. I did however manage to find £10 in an account so I used that to put some credit back on the mobile phone.
Then to my horror the bank decided that because the account was overdrawn that it would take back several of the earlier payments, including my mortgage, which although brought the account back in to credit meant that I hadn't paid several creditors when I should have.
By mid-day I still hadn't heard from the company sending the money so I called them back and spoke to a different person this time and explained my situation. This time however they seemed to sense my urgency and said she would deal with the issue herself and would call me back in about 10 minutes. After about 5 of those minutes she did call me back to inform me that their finance department didn't have the correct sort code so had been sitting on the payment since I originally requested it to be sent over a week ago. Why they didn't think to call me to check the sort code god alone knows!
After providing and double-checking all the other details as well, the lady said she would now get the transfer processed urgently and that I would have the monies within a couple of hours. Just shy of two hours later I got a call from them to say the transaction had been processed and the money should be in my account...... It was!
So after some internal account transfers, all the monies were back in their correct accounts so I decided to manually make a mortgage payment which the online system would not allow... something to do with the fact that the mortgage account isn't a proper account... arrgghh.
Anyway, by this time the banks were now closed so I just gave up, more relaxed in the knowledge that at least my salary wasn't floating someone elses bank account.
Have a good Fryday everyone
and when Wifey gets it wrong, she pays the late payment fee personally as she is the ex-accountant.
Normally if you are right and they are wrong, they won't want you going anywhere near the banking ombudsman, as it costs them £500 if you open a case.
I always did wonder if Neath was so called as it is always "under the weather".Your right
Now raining in neath.
If they grow and give lots or produce you will find yourself making apple juice n stuff.
Gonna make an opera scarf?
Not really.
Ah, my first language is gibberish
Morning All
Had a lie in today after a worrying day yesterday regarding me 'lost' salary.
The salary was arranged to be processed and sent on the 18th January so that it avoided any delays and was in my account well before all my standing orders and direct debits were due to be paid but even after some preemptive phone calls earlier this week to inquire as to its where-abouts I was informed that it had been processed a couple of days later than normal so would be arriving a couple of days late. This was OK as it was still due to arrive on time.
It still wasn't in the account yesterday morning and all my bills had been paid which had caused the account to go overdrawn (which I hate!) so I started to ring around to try and find out where my money was. The bank told me that there were no incoming payments to my account so I called the sending company and they said they would look in to the issue ASAP.
In the meantime I transferred as much money as possible in to the now overdrawn account to try and reduce it but to no avail... I then reluctantly called the bank to try and arrange a temporary overdraft on the account to avoid any charges and my mobile phone then ran out of credit during the call and of course I had no money left to buy any more and I don't have a land-line phone. I did however manage to find £10 in an account so I used that to put some credit back on the mobile phone.
Then to my horror the bank decided that because the account was overdrawn that it would take back several of the earlier payments, including my mortgage, which although brought the account back in to credit meant that I hadn't paid several creditors when I should have.
By mid-day I still hadn't heard from the company sending the money so I called them back and spoke to a different person this time and explained my situation. This time however they seemed to sense my urgency and said she would deal with the issue herself and would call me back in about 10 minutes. After about 5 of those minutes she did call me back to inform me that their finance department didn't have the correct sort code so had been sitting on the payment since I originally requested it to be sent over a week ago. Why they didn't think to call me to check the sort code god alone knows!
After providing and double-checking all the other details as well, the lady said she would now get the transfer processed urgently and that I would have the monies within a couple of hours. Just shy of two hours later I got a call from them to say the transaction had been processed and the money should be in my account...... It was!
So after some internal account transfers, all the monies were back in their correct accounts so I decided to manually make a mortgage payment which the online system would not allow... something to do with the fact that the mortgage account isn't a proper account... arrgghh.
Anyway, by this time the banks were now closed so I just gave up, more relaxed in the knowledge that at least my salary wasn't floating someone elses bank account.
Have a good Fryday everyone
I had a credit card once when I was young (18)... as you can imagine, being young I maxxed it out to silly levels but once I'd finished paying it off I swore I'd never have another one and I never have.You poor sod, what a fecking mess.
I read this and wondered why you couldn't have used a credit card and then recouped the cost from the bank/payment sending company as it was obviously their feck up. But then we all have different ways of handling money.
We too never have an overdraft and we pay all credit cards off on time. Or rather usually!!
Anyway, hope you don't get stung anywhere.
I'll wait to see what the bank says before I think of going back to the original sender to recoup any costs incurred by their incompetence.
Me too, I haven't had a CC for many years!I had a credit card once when I was young (18)... as you imagine, being young I maxxed it out to silly levels but once I'd finished paying it off I swore I'd never have another one and I never have.
They are dangerous things, especially in the hands of a teenager
They are also dangerous in the hands of a thirty something with no financial sense whatsoeverThey are dangerous things, especially in the hands of a teenager
Can you get me a GVS welding filter while you are in Screwfix? Cheers
Hope you got some cake
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