F1craig
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Delayed transactions/overdrawn
F1craig replied to F1craig's topic in Yorkshire Bank and Clydesdale Bank and Northern Bank
Can't say I've had an issue with DD as mentioned above, probably as they come out just after I get paid. It has happened again this month. last night I checked my wife's account and had balance of £30. I went out and spent £21 and knew our OD charges were coming out today. I checked bank at 4pm and spent £21 around 5.30pm. checked this morning and am overdrawn by £14 as a Maestro transaction that I made on Sat 23/03 had come out after I checked it at 4pm yesterday. I know it's my responsibility to check transactions but it a bit funny how they always seem to delay until my balance is nearly to zero. On my statement it came out before the £21 I spent so why did it let me spend it. So annoying, think I will have to clear my OD and move to another bank. -
I don't know what to make of this or if I'm being a bit paranoid but this has been happening to me quite often. I have a overdraft of £600 and most months I get near to it. About 3 times this year I have looged into my bank account and checked my balance e.g £10, I have then spent £7 on a Maestro transaction. Then a couple of days later, when I check my account I am overdrawn due to another transaction that I made a week earlier has come off. Some may say it's my fault for not checking that my transactions are off the balance but I just find it strange that the transactions only get delayed when I'm near to my overdraft limit. When contacting YB they said Tesco (which the transaction was with) had 3 or 6 months (cannot remember) to take the transaction. Funny how the £7 came out instantly leaving £3 but a purchase a week earlier was not off yet, it was from the same Tesco store. Just seems that it would be all too easy for banks to hold a transaction back until I near my overdraft limit and BAM! £25 please. Has anyone else had issues with delayed Maestro transactions or a similar experience?
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