I did make the transaction on may 5th yes.

Hi I need some help. I noticed this morning that £21.50 had been withdrawn from my bank account as a debit card payment from Asda, this had taken me overdrawn. I called the bank and they said that the payment was on 5th May 2012 at an asda store, but for some reason it had only come out on 16th July 2012. I rang asda and was talking to an incredibly rude man, who just kept repeating to me that they are legally allowed 6 months to take payment of a debit card purchase and there was no more he would say. Called bank back, they said nothing they could do. But this in my bank was £7, which was all the money I had to buy food until payday at the end of the monthand now nothing. Is there anything I can do to try and get that back? Thanks

Hi everyone My name is Sharon, im 24 and Ive got myself into a right old mess. I made the mistake of falling for some bankers fodder when I was 18 and before I knew it I had several loans and overdrafts and credit cards. I kept up the monthly repayments until due to some unforeseen circumstances I had to move house in a hurry and missed several payments and ended up in quite a bit of debt. I applied for a yes loan and like many people was put through to money worries ltd for a debt management plan, I had never heard of such a thing and it sounded wonderful and it was going to fix everything, so i signed up. Yes I now know there many agencies out there that offer a DMP for free, but at the time I had never heard of it so jumped at the chance. I have paid their fees and they have paid regularly to my creditors for over 2 years now, it was going fine.... until I made my next HUGE mistake... I havnt paid my council tax for this address and the last month of my previous address, a new debt of about £1500 in total, this is including the bailiff fees of the two different bailiffs I have knocking at my door. One is Jacobs bailiffs and the other is Marstons, who from what I gather are high court enforcement, which means they can enter my property without my consent? I really dont know what to do, I contacted money worries to arrange to have the new debt added to the plan, but I know that can take a few weeks, but in the mean time im absolutely terrified. I dont have that much money, it would take me years to save that much money, I don't have possessions worth even a quarter of the amount they're after.I really don't know what to do now, Im scared to go out incase they break in while im gone, I cant answer my phone or the door. I have no family to ask for help, Im just so confused.