my available balance was £284, since then, i've used my debit card for things that came to £100 and also today, i had a credit of £200, yet my available balance is still £284, it should have gone down to £184, then back up to £384, just phoned the bank, got a very snotty woman who was so unhelpful, i have £100 overdraft limit, so she said my balance is £453, with £168 to leave the account, taking my available balance to the £284 showing on the screen. Can you tell me if you think the £100 overdraft will be added to that £284? or have i royally screwed up?
2007-07-04 05:22:51 · 8 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
forgot to add, normally my overdraft is always included in the available amount and my overdraft is still in place.
2007-07-04 05:24:14 · update #1
ok lets sort this out, this money 284, 184 is your and 100 is your over draft, u bought items for 100, this brings ur balance down to 184, 84 been yours and 100 overdraft, but then u had a credit of 200 so ur balance is 384, 284 been yours and 100 for the overdraft. so looking at it, it looks like the banking system has not updated so it looks all messed up. give it 24 hours and it should show 284 been yours and 100 overdraft. i have had this problem before with lloyds where the system hasn't been updated. it should all come together correct soon. good luck
2007-07-04 05:40:50 · answer #1 · answered by missclare69 3 · 0⤊ 0⤋
I shouldn't worry too much. It can take a while for the balance to change if you are spending money on a card, transferring to another bank, or receiving funds in.
Try asking for a statement or check your statement online (you can do that with Barclays and a couple of others so I assume they all will). If necessary you should be able to get them to extend your overdraft until your finances are up to speed again, but I doubt that'll be necessary.
2007-07-04 05:38:27 · answer #2 · answered by SilverSongster 4 · 0⤊ 0⤋
It is all to do with computers. It takes on average around three working days for it to work through. But as someone said recently - why is it that debits always seem to go through within 24hours yet credits take three days.
The manner in which they include the available overdraft in total available is misleading. You really want to know how much cash you have. The overdraft is for emergencies.
2007-07-04 05:35:56 · answer #3 · answered by fwh 4 · 0⤊ 0⤋
Well Foxy it all depends on who you used your debit card with. I was well rewarded for using my card with one DIY company because they did not submit a request for the money the same day I purchased the goods. When they did submit their claim they sent me over drawn and my bank sent me a love letter that cost me £35. If they have requested the money but it has not gone through the system then it will be ring-fenced and you will not be able to access the money but it will look like is is still in your account.
2007-07-04 05:44:59 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It is probably because when you spend money from your account it might not come out until the end of the day. The credit may also not have gone in they can take 2 to 3 days to show that it is funded into your account.
2007-07-04 05:40:23 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You can make a payment to any UK account using only the sort code and eight digit account number. You should have no problems. P.S. Nationwide isn't a bank - it's a building society.
2016-05-18 00:19:19 · answer #6 · answered by ? 3 · 0⤊ 0⤋
The amounts have not proceed yet. You should not assume the money is there is will be withdrawn soon enough.
If you need more banking information you might try visiting http://online-banking-today.com
Good Luck,
Tom
2007-07-04 10:17:02 · answer #7 · answered by Anonymous · 0⤊ 0⤋
dont spend anymore sometimes it takes a while to come out of the bank if you have done it online please be careful
2007-07-04 05:35:38 · answer #8 · answered by Anonymous · 0⤊ 0⤋