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"Me and My Bank: Plz Tell Me I'm Not Going Mad?"

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Wed 14/07/04 at 12:21
Regular
"where's my tag?"
Posts: 510
Hi,

I have a 500 pound FirstDirect overdraft, I transfered 225 pounds to a different account, my FirstDirect account is now showing 225 pound left of the overdraft, but all this doesn't add up! I should have 274 pounds left after that transaction! Am I crazy?
Wed 14/07/04 at 15:55
Regular
"Going nowhere fast"
Posts: 6,574
WickedWare wrote:
> The penny has dropped...

Well better to drop a penny :D then think you'd been charged 50 for a transfer (you wouldn't have been charged that amount for a transfer anyway).
Wed 14/07/04 at 13:36
Regular
"Subliminal messenge"
Posts: 1,039
I prescribe lots of drugs from the pharmacy/chemists! Take your pick! Lucky dip...
Wed 14/07/04 at 13:33
Regular
"where's my tag?"
Posts: 510
The penny has dropped...

My overdraft with Lloyds TSB is displayed online as the amount left of it, while FirstDirect online shows the amount borrowed only, hence the 225 displayed. I've been using lloyds TSB for such a long time that I didn't bother to look much closer at this :S

I am going mad, lol...
Wed 14/07/04 at 12:43
Regular
"Subliminal messenge"
Posts: 1,039
It seems like this women has either:

1) Made a terrible mistake and isn't too bright
2) Subtly trying to tell you that they've pilfered your money.
Wed 14/07/04 at 12:40
Regular
"where's my tag?"
Posts: 510
Ineedsleep wrote:
> You should actually be overdrawn 224.00 with a balance of
> 276 until you reach the overdraft limit of 500.
>
> Did you ask them to give you a breakdown of how they came to that
> figure?

yes, she just said I was one pound in credit and I transfered 226 pounds to my lloyds tsb account and that rightfully leaves 225 pounds. Huh? She never mentioned any 50 pound charge for doing this.

I felt like a muppet as she said borrowing 226 pounds from 501 leaves 225 pounds.
Wed 14/07/04 at 12:35
Regular
"Going nowhere fast"
Posts: 6,574
You should actually be overdrawn 224.00 with a balance of 276 until you reach the overdraft limit of 500.

Did you ask them to give you a breakdown of how they came to that figure?
Wed 14/07/04 at 12:27
Regular
"where's my tag?"
Posts: 510
Notorious Biggles wrote:
> 275 actually. However you could have been overdrawn already by
> 50, which would be why you only have 225 left.
>
> Oh you noticed.

I was (1) pound in credit before all this took place but I didn't bother to mention it here.
Wed 14/07/04 at 12:25
Regular
"where's my tag?"
Posts: 510
This post might read stupid but I had a conversation with them on the blower and they just tell me blank faced that having 225 pound left is correct.
Wed 14/07/04 at 12:23
"I love yo... lamp."
Posts: 19,577
275 actually. However you could have been overdrawn already by 50, which would be why you only have 225 left.

Oh you noticed.
Wed 14/07/04 at 12:22
Regular
"where's my tag?"
Posts: 510
275 pounds* sorry...

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