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[Cross-posted] I'm offically financially screwed yey!
15 years ago
General
[Cross-posting this from my other account in the hopes of getting extra advice]
Okay so, I'm offically screwed....
Over Christmas when I wasn't able to get out (due to bank closures over holiday periods) my account when £-3 over drawn, I've been charged a total of £170 for this in overdrawn fees .... on an under 25s student account, thats fucking extortionate. Time for legal action I guess, and an extreme diet for me ... who needs food anyway? I can live off of ...£3.24 yey!
On the plus side...
-I've already paid for CF (considering selling my ticket now though)
-I've already paid -Most- of what I owe my fursuit maker (still owe her £80 for the partial, and £45 for the bodysuit fur)
-I've alread paid my rent until the end of April ( but I still need to focus on bills etc)
-I've already filled a pre-paid bus pass so I can still make it up to university.
SO all I need to focus on is finding food for the next few months, and living like a hobo. I'd hate to think I was putting other people out because of my financial hardships, which makes me feel a little better. But if anyone has any legal advice or expertise in this area, I'd love to hear it, I'm already sending a letter to the bank on the advice of this website. http://www.thisismoney.co.uk/bank-charges
This is particularly annoying as I considered myself rather financially stable or I wouldn't have bought another suit / paid for CF I usually pride myself on being on top of things. Oh well.... mistakes were made.
Okay so, I'm offically screwed....
Over Christmas when I wasn't able to get out (due to bank closures over holiday periods) my account when £-3 over drawn, I've been charged a total of £170 for this in overdrawn fees .... on an under 25s student account, thats fucking extortionate. Time for legal action I guess, and an extreme diet for me ... who needs food anyway? I can live off of ...£3.24 yey!
On the plus side...
-I've already paid for CF (considering selling my ticket now though)
-I've already paid -Most- of what I owe my fursuit maker (still owe her £80 for the partial, and £45 for the bodysuit fur)
-I've alread paid my rent until the end of April ( but I still need to focus on bills etc)
-I've already filled a pre-paid bus pass so I can still make it up to university.
SO all I need to focus on is finding food for the next few months, and living like a hobo. I'd hate to think I was putting other people out because of my financial hardships, which makes me feel a little better. But if anyone has any legal advice or expertise in this area, I'd love to hear it, I'm already sending a letter to the bank on the advice of this website. http://www.thisismoney.co.uk/bank-charges
This is particularly annoying as I considered myself rather financially stable or I wouldn't have bought another suit / paid for CF I usually pride myself on being on top of things. Oh well.... mistakes were made.
We ended up switching banks to a bank that had better overdrafting policies and have not had any big issues since. We did have an incident where an unauthorized debit came out of our account, causing two other payments (that were legit) to cause a total of three overdraft fees; our bank was awesome and refunded them when we disputed the unauthorized debit. Whew. <3
Good luck getting it all sorted out...!!
Luckily I had enough to cover the fees, so I won't have any extra charges added, but I'm still going to be on the edge for a while.
Thanks hun! Glad they managed to sort things for you (: