If your pay doesn't clear when it should

peige · 5 Jan 2010 at 16:45

Say your paid every Monday and one day there is a processing error and it doesn't clear till wednesday. If you incur bank fees do you believe your employer to be responsible ?

But then following on from that, where do you think the line should be drawn, is it fair on those who were unaffected by the delay don't get money?

LiE · 5 Jan 2010 at 16:46

It should be in your contract when you will be paid.

TriedandTested · 5 Jan 2010 at 16:47

If it's contracted to go in on a certain date you have a case. For all they know all your direct debits, standing orders etc go on that date.

Also, you should try not living on the line like that.

vanandjuanunited · 5 Jan 2010 at 16:48

those unaffected wont incur costs therefore they dont need fees repaid.

antijoke · 5 Jan 2010 at 16:50

Portsmouth player?

SpeedFreak · 5 Jan 2010 at 16:52

we had this occur last year due to a switch in the RBS payment system that delayed pay by one day. Those who incurred charges were repaid by the business.

Rich_L · 5 Jan 2010 at 16:52

Compensate for any loss, simple as.

Or if you have a decent employer, you can ask them for cash/same-day bank transfer as a short term loan to be repaid when you do get paid. If it's a genuine error, this should be very do-able.

Biohazard · 5 Jan 2010 at 16:53

TriedandTested said:
Also, you should try not living on the line like that.

Easier said than done when half the country live like that. If not more..

TriedandTested · 5 Jan 2010 at 16:56

Biohazard said:
Easier said than done when half the country live like that. If not more..

Yeah, I know but sometimes it's easy to slip in to living on the line, allowing it to become the norm, and spend when you shouldn't/don't need to (I know, I used to do it myself).

Vixen · 5 Jan 2010 at 17:04

This is why direct debits should always come out several days after you get paid

. If it was a one-off then I'd probably contact the bank first, if they insist on charging then I'd pressure the company.

Biohazard · 5 Jan 2010 at 17:05

Vixen said:
This is why direct debits should always come out several days after you get paid . If it was a one-off then I'd probably contact the bank first, if they insist on charging then I'd pressure the company.

Mine come off on the first, as I have a reliable employer

Maccy · 5 Jan 2010 at 17:15

You can't necessarily choose when direct debits come out can you? I know O2 take money on 20th and I wasn't aware that I could change this?

paradigm · 5 Jan 2010 at 17:17

Maccy said:
You can't necessarily choose when direct debits come out can you? I know O2 take money on 20th and I wasn't aware that I could change this?

Call them and tell them you want to move it. Never had a problem.

dbmzk1 · 5 Jan 2010 at 17:25

Maccy said:
You can't necessarily choose when direct debits come out can you? I know O2 take money on 20th and I wasn't aware that I could change this?

My O2 direct debit goes out on the 1st of each month.

Mr. Anderson · 5 Jan 2010 at 17:41

Have you never thought that this might happen ever? I would have dd's shifted back at least a week from my pay day. Under the terms on dd contract you should be able to choose when the dd is paid.

Duke · 5 Jan 2010 at 17:46

Vixen said:
This is why direct debits should always come out several days after you get paid

This really, why the need for them to come out so early?

peige · 5 Jan 2010 at 17:53

Ah, your getting me wrong, i'm on the other side of the fence, somebody made a mistake with the transfer and wages will be credited later than they should, i'm trying to get a feal for how people think they should be treated.

peige · 5 Jan 2010 at 17:56

Rich_L said:
Compensate for any loss, simple as.

Much as I think your right, how is it fair that those who aren't running on the edge get money due to there situation where as those who weren't affected get nothing ?

Maccy · 5 Jan 2010 at 18:01

Well you learn something new every day, thanks guys!

vanandjuanunited · 7 Jan 2010 at 12:54

peige said:
Much as I think your right, how is it fair that those who aren't running on the edge get money due to there situation where as those who weren't affected get nothing ?

Because they have not incurred a loss. Its not like the affected ones are getting extra money. They are being reimbursed their bank charges for a mistake that was not theirs.

If a dd claimed too much money and put you overdrawn would you want compensated for the bank fees or would you say - oh well my fault for not having enough money.