Banks.

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14-07-2009, 10:37 PM
Toughened

So what if we OD we don't get charged, and don't have to pay it back too?
14-07-2009, 10:39 PM
brandon

I went OD on my account aswell, probably could have got away with it seeing as it's their fault for letting me but I paid it back.
15-07-2009, 05:30 AM
Clowgon

Quote:

Originally Posted by Myke

I got told it might effect my credit rating if I go OD so be careful

Lol, same, dnt want to get my credit messed up.. :P

I was in the exactly same position as Matt, i was sending some money through Paypal, £12.50 exact and the page was slow loading so i stupidly press the send money again so they took £12.50 from my bank (as i never had enough in my paypal) i also never had enough in my bank.

So i got charged £38.00, so i was quite scared as i think they call for it every week so, they'll charge you again if you haven't paid... :P

Just phoned up my bank, explained what had happened and the man told me they'll just put it down as a Bank error - probably taking my age into consideration but he also warned not to set up any more Direct debits as i'm underage to do so, fair enough. :)

Nice man, very kind and helpful.
15-07-2009, 07:41 AM
xxMATTGxx

Quote:

Originally Posted by Clowgon

Lol, same, dnt want to get my credit messed up.. :P

I was in the exactly same position as Matt, i was sending some money through Paypal, £12.50 exact and the page was slow loading so i stupidly press the send money again so they took £12.50 from my bank (as i never had enough in my paypal) i also never had enough in my bank.

So i got charged £38.00, so i was quite scared as i think they call for it every week so, they'll charge you again if you haven't paid... :P

Just phoned up my bank, explained what had happened and the man told me they'll just put it down as a Bank error - probably taking my age into consideration but he also warned not to set up any more Direct debits as i'm underage to do so, fair enough. :)

Nice man, very kind and helpful.

The guy who helped me on another forum said it can be the banks fault for not monitoring our "accounts". Because they know we can't have direct debits but they still let us have them. :P Silly banks, trying to fool us :(. Well, I have sent ebay the money via bank transfer as I didn't know there email for instant. Can take up to 9 bloody days!! So if NatWest charge me, they can get bloody stuffed.
15-07-2009, 08:03 AM
myke

Quote:

Originally Posted by MattGarner

The guy who helped me on another forum said it can be the banks fault for not monitoring our "accounts". Because they know we can't have direct debits but they still let us have them. :P Silly banks, trying to fool us :(. Well, I have sent ebay the money via bank transfer as I didn't know there email for instant. Can take up to 9 bloody days!! So if NatWest charge me, they can get bloody stuffed.

I just get letters from Halifax saying that so and so tried to withdraw so much from my bank account and the funds weren't there so they refused the transaction and I don't get charged lol
15-07-2009, 08:52 AM
xxMATTGxx

Quote:

Originally Posted by Myke

I just get letters from Halifax saying that so and so tried to withdraw so much from my bank account and the funds weren't there so they refused the transaction and I don't get charged lol

NatWest must not check the age of the person who owns the account then. Its probably just an automated letter and they don't really check until someone phones and goes. "Hold on a minute, I'm under 18".
15-07-2009, 02:49 PM
Clowgon

Quote:

Originally Posted by MattGarner

The guy who helped me on another forum said it can be the banks fault for not monitoring our "accounts". Because they know we can't have direct debits but they still let us have them. :P Silly banks, trying to fool us :(. Well, I have sent ebay the money via bank transfer as I didn't know there email for instant. Can take up to 9 bloody days!! So if NatWest charge me, they can get bloody stuffed.

As they say. :P

I owe ebay £10 but my bliming paypal is limited so i can't send them them the money and i tried using my card but as it's connected to my paypal account i can't use it...
only have one card aswell...

It's been i think 4-5 months, maybe a little longer since I've meant to pay them, every week or so the keep sending me emails, so I've really need to get that sorted as then they'll pass it on to debt collectors - they'll add on more money and credit gets wrecked up.. :(
17-07-2009, 10:15 AM
xxMATTGxx

Quote:

Originally Posted by Clowgon

As they say. :P

I owe ebay £10 but my bliming paypal is limited so i can't send them them the money and i tried using my card but as it's connected to my paypal account i can't use it...
only have one card aswell...

It's been i think 4-5 months, maybe a little longer since I've meant to pay them, every week or so the keep sending me emails, so I've really need to get that sorted as then they'll pass it on to debt collectors - they'll add on more money and credit gets wrecked up.. :(

Yeah, well they have taken out £22.31 out of my account. Just waiting for PayPal to take off my negative balance. :)
17-07-2009, 10:37 AM
Robbie

Debt collectors CANNOT touch your credit rating EVER without permissions from the courts :)
17-07-2009, 05:07 PM
Clowgon

Quote:

Originally Posted by MattGarner

Yeah, well they have taken out £22.31 out of my account. Just waiting for PayPal to take off my negative balance. :)

It's usually a week before you come out of negative balance.

Quote:

Originally Posted by Robbie!

Debt collectors CANNOT touch your credit rating EVER without permissions from the courts :)

Oh right. Hopefully they'll take my age into consideration!! Ahaha :P

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