employer paid me late, now £200~ over my overdraft limit

If I was reliant on a paycheque being paid in each month, I'd ensure that there was always sufficient funds in the account to cover and SO's/DD's for eventualities like the one you describe. Obviously it's not your fault you were paid late but what would have happened if he'd been seriously injured or killed, just before he was supposed to authorise wage payments?
As others have said, re-schedule your outgoing payments from your account or it's just possible it could happen again.
Your boss may have authorised late payment and you could ask him for any out of pocket epenses which are a direct result of paying you late and he may agree to this but, he is not responsible for your personal finances and I would suspect that he's not legally ( if morally) responsible for any losses you might have incurred, unless it was part of your contract of employement.
 
peige said:
Do you think its fair you get the charges paid back due to your bad cash management yet the ones who it didn't affect get nothing for managing their money well?

Thats the corner I end up in when we've had the odd error over the years, for example, when should the company draw the line in re-embersing your loss, £100, £200, £300 ?
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I think I should have perhaps, in that single account, been better prepared for troubled times. However, it's very much the mistake of the company who are contractually and legally obliged to pay my wages on x date. So i think it's entirely fair that I'm not expected to pay a bank charge resulting from them not doing this. If i were to "breach contract" I'm sure I wouldn't have any issue dealing with the consequence and I'm sure they wouldn't hesitate in exercising their rights either.

To bring it into perspective I'm not whistle blowing, suing or dragging the company name in to disrepute. I'm asking them to, potentially, cover a £30~ bank charge resulting from their error. Why would i be asking for £300? Don't be so sensationalist.

lttlejoe said:
I would suspect that he's not legally ( if morally) responsible for any losses you might have incurred.
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He is actually, as long as i have a contract which states what day i will receive my wages, which i do.

All's well which ends well anyway, the bank are not issuing any charges as the overdraft agreement level was settled quickly enough. Charges are only levied if the balance remains in the bad place overnight (hsbc) apparently; which is a useful thing to know.

Thanks for all your help and thanks to each one of you who didn't help but instead pointed out repeatedly how bad i am at money management :p

B@
 
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Last time I went overdrawn I had a letter from the Co-op saying that they'd waive the charges so long as I got back within my limit within a week.
 
B@Th*nG said:
I think I should have perhaps, in that single account, been better prepared for troubled times. However, it's very much the mistake of the company who are contractually and legally obliged to pay my wages on x date. So i think it's entirely fair that I'm not expected to pay a bank charge resulting from them not doing this. If i were to "breach contract" I'm sure I wouldn't have any issue dealing with the consequence and I'm sure they wouldn't hesitate in exercising their rights either.

To bring it into perspective I'm not whistle blowing, suing or dragging the company name in to disrepute. I'm asking them to, potentially, cover a £30~ bank charge resulting from their error. Why would i be asking for £300? Don't be so sensationalist.

He is actually, as long as i have a contract which states what day i will receive my wages, which i do.

All's well which ends well anyway, the bank are not issuing any charges as the overdraft agreement level was settled quickly enough. Charges are only levied if the balance remains in the bad place overnight (hsbc) apparently; which is a useful thing to know.

Thanks for all your help and thanks to each one of you who didn't help but instead pointed out repeatedly how bad i am at money management :p

B@
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Good news all round then! But, if you don't wish to keep sufficient in that account to cover them, then I'd still get those outgoing payments moved back to a later date, just to ensure the same doesn't happen again!
 
lttlejoe said:
Good news all round then! But, if you don't wish to keep sufficient in that account to cover them, then I'd still get those outgoing payments moved back to a later date, just to ensure the same doesn't happen again!
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as i said earlier, the direct debits are. it was a purchase payment which went out.

B@
 
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