Overdraft... mistaken charge
Discussion
Ongoing situation.
I bank with TSB. Being a student, and with all the ensuing financial situations, I’m naturally toeing the line with finances. I actually don’t think I’ve been over spending, I’ve just had nowhere near the promised sum from the bank of mum and dad yet...
Not the issue, just some background. I actually am due to be paid £24 by an app that basically acts as a friend to friend payment system. But, TSB allows £10 unplanned overdraft without fees. I have not spent over this amount. However, my mobile’s OEM’s store (who shall currently remain nameless) managed to charge me twice for an app. The result is, I’ve been pushed over the £10 limit by £3.06. I’m due to be reimbursed £4.49. However, I’m now liable to be paying £5 a day in overdraft fees. What do I do?
I bank with TSB. Being a student, and with all the ensuing financial situations, I’m naturally toeing the line with finances. I actually don’t think I’ve been over spending, I’ve just had nowhere near the promised sum from the bank of mum and dad yet...
Not the issue, just some background. I actually am due to be paid £24 by an app that basically acts as a friend to friend payment system. But, TSB allows £10 unplanned overdraft without fees. I have not spent over this amount. However, my mobile’s OEM’s store (who shall currently remain nameless) managed to charge me twice for an app. The result is, I’ve been pushed over the £10 limit by £3.06. I’m due to be reimbursed £4.49. However, I’m now liable to be paying £5 a day in overdraft fees. What do I do?
Borrow a tenner from someone and pay it in, then pay them back when you have it. Then next time you’re that close to your overdraft limit don’t buy anything at all unless it’s with cleared cash that you’re holding in your hand, because sometimes things go wrong with other forms of payment.
bigandclever said:
You go to a branch, you speak to a person, you explain the situation and you hope they can do something about it.
Obviously a good first port of call, I’m worried that they might be “not our problem”. I’ve only been into branch once before due to the nature of uni.Should this be the case, would I have a case against the app provider or the App Store?
Solocle said:
bigandclever said:
You go to a branch, you speak to a person, you explain the situation and you hope they can do something about it.
Obviously a good first port of call, I’m worried that they might be “not our problem”. I’ve only been into branch once before due to the nature of uni.Should this be the case, would I have a case against the app provider or the App Store?
king apps 
essayer said:
Lol it's only October! How are you going to get through a year of this?
I do have an arrangement with TBOMAD that hasn’t yet got into full swing. Obviously, all the clubbing and membership fees in freshers’.... and an extension lead. Also, I had a bit of a mess up with my mobile data. Miraculously, I’m actually on budget with a bit of food in the fridge, although it doesn’t feel like it.Borrow a crisp, clean £20 off a mate. Go in, pay it in and explain the situation. If it's your first offence and you pay it off right there and then they'll almost always cancel the charge. Go back a week later, upgrade to a student account and take the maximum overdraft they'll offer to avoid this happening again and promise you won't be a prat with it.
Solocle said:
But, TSB allows £10 unplanned overdraft without fees. I have not spent over this amount. However, my mobile’s OEM’s store (who shall currently remain nameless) managed to charge me twice for an app. The result is, I’ve been pushed over the £10 limit by £3.06. I’m due to be reimbursed £4.49.
So, without that double-charged app purchase cock-up, you'd have been a whole £1.43 inside that UNPLANNED overdraft limit?Go on, what was the app?
Solocle said:
Eddieslofart said:
Alucidnation said:
Dear God.
And this is what we are leaving behind!
I have to somewhat agree. It is concerning.And this is what we are leaving behind!
. I dread to imagine the ongoing degeneracy at the poly across the city 
There was a time only the fruit of the loins of wealthy toffs were permitted to enter the hallowed portals.
codenamecueball said:
Borrow a crisp, clean £20 off a mate. Go in, pay it in and explain the situation. If it's your first offence and you pay it off right there and then they'll almost always cancel the charge. Go back a week later, upgrade to a student account and take the maximum overdraft they'll offer to avoid this happening again and promise you won't be a prat with it.
desolate said:
Get a bigger overdraft limit.
I actually have a student account, but although I applied for I think £500 when I created the account, I'm not sure whether it was processed or denied... it's £0. As for asking about what the app was, a gentleman never tells. 
Solocle said:
I actually have a student account, but although I applied for I think £500 when I created the account, I'm not sure whether it was processed or denied... it's £0. As for asking about what the app was, a gentleman never tells.
If I was at Oxford I would be asking for the biggest fk off overdraft they do, immediately.Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff