emre43
Well-known member
I started another thread a few days ago about how naive I am about stepping up to the wider world.
I am going to come across as a complete idiot whilst people are reading through this but here it goes. In late July I pre-ordered an item that is due out in November. Through previous experiences of pre-ordering items I have always paid at the date of dispatch, however, this time the money was removed four months in advance. Because of the fact that I had never previously paid in advance when pre-ordering items I went ahead with the order despite not having enough money in my account to do so at the time. I would have by November. Unbeknownst to me the money had been taken out and led to me becoming overdrawn. As I didn't know that I had overdrawn I continued to spend. When I found out a few days later that I was overdrawn I immediately took £130 out of my savings account (that I had been saving since I was a little boy for my university fees) to rebalance the books.
I am so naive it is almost unbelievable. I know absolutely nothing about banking and two days ago I looked at my latest statement to find that I had received six separate withdrawals of £25 from my bank account. Assuming it was some error I contacted PayPal asking them to explain what was happening. They told me to contact my bank and they can "teach me how to read a bank statement" (which I found a little bit rude). In my naivety I told them that I "know full well how to read a bank statement" but they insisted that I do that so I agreed. I phoned my bank and they told me that the charges to my account were overdraft fees (probably thinking that I am an idiot for not knowing this; I am sure that anybody else would have known this off of the top of their heads but I had no idea). I then had to switch another £150 of my student savings over to again take me out of the red.
I phoned these people up acting like I knew better than them when in fact I am just a naive little boy who isn't ready for the big world yet. I feel like such a clown... :
:
I am going to come across as a complete idiot whilst people are reading through this but here it goes. In late July I pre-ordered an item that is due out in November. Through previous experiences of pre-ordering items I have always paid at the date of dispatch, however, this time the money was removed four months in advance. Because of the fact that I had never previously paid in advance when pre-ordering items I went ahead with the order despite not having enough money in my account to do so at the time. I would have by November. Unbeknownst to me the money had been taken out and led to me becoming overdrawn. As I didn't know that I had overdrawn I continued to spend. When I found out a few days later that I was overdrawn I immediately took £130 out of my savings account (that I had been saving since I was a little boy for my university fees) to rebalance the books.
I am so naive it is almost unbelievable. I know absolutely nothing about banking and two days ago I looked at my latest statement to find that I had received six separate withdrawals of £25 from my bank account. Assuming it was some error I contacted PayPal asking them to explain what was happening. They told me to contact my bank and they can "teach me how to read a bank statement" (which I found a little bit rude). In my naivety I told them that I "know full well how to read a bank statement" but they insisted that I do that so I agreed. I phoned my bank and they told me that the charges to my account were overdraft fees (probably thinking that I am an idiot for not knowing this; I am sure that anybody else would have known this off of the top of their heads but I had no idea). I then had to switch another £150 of my student savings over to again take me out of the red.
I phoned these people up acting like I knew better than them when in fact I am just a naive little boy who isn't ready for the big world yet. I feel like such a clown... :
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