money woes; or "why heffie will be living with his mother for the forseeable future"

[thehefner]

So I'm overdrawn again. Second time. Fuck me. I thought I was doing well, but damn it, I got lax and stopped following my accounts, so what happened? In between the gas prices, eating out too often, the costs of the NJ trip with Dave, the spending in Seattle, comics, and DVDs, the obvious happened. I discovered this when Dad called me up to tell me he'd gotten letters of notification from the bank. They said I was being charged about $65.00 in fees. I thought, ok, I'll be able to cover that with my $400.00 paycheck later this week, no problem. I've spent some money with the card since they send the notifications, so the charges will probably be higher. But see, last time I had overdrawn, I didn't know and I kept spending until they froze my account. At that point, I had to pay about $250.00. So this time, since even today I used my card at Subway and CVS, I figured I was still safeish.

Then I called the bank's 24-hour line and the automated teller informed me that my account was negative $600.00. Ah-guh?

Which really doesn't seem even possible. They didn't let me get even close to that far before they suspended my account the first and only time before this. And yet... yowzers. So rest assured, tomorrow I am going to talk with a real live person, try to figure this out, and maybe even throw myself on the mercy of the teller a bit.

Meantime, I shall try to turn these worries off to sleep.

Comments

[morganashkevron.livejournal.com]

My brother did the same thing about 6 months ago - lots of overdraft charges just adding up. Anyway, my dad went with him to the bank and made them refund the overdraft charges as long as my brother paid the actual negative balance from purchases. If you go in and ask them to, chances are, the people at your bank will refund the overdraft fees (or at least part of them) and if they don't right away, just get mean and threaten to switch banks.

Banking bastards *sends hugs Harvey's way*

[imaget.livejournal.com]

I would say do what I did the first time this happened to me, and go in to the bank cry, and say that you'll lose your job, and be homeless if you don't at least have money to get to and from work.
But I don't think that'll work since you ain't a girl....but you are young, and maybe someone will still take pity on you.