I told you all before about the our mortgage being taken out automatically and it throwing our bank account WAY off. The end result was over 500 in overdraft adn nonsufficient funds fees (didn't know there was a difference but ok) the amnt that we actually spent was under 100. Anywho.....
Well we tried calling the bank who said it wasn't a bank error and the money would not be returned. Well the other night i couldn't sleep and got online at around 2am. I guess this is when the bank updates its online banking. Well while i was looking i noticed that everythign was out of order..................the same order that it was in my checkbook, showing htat all of my charges were already cleared before the mortgage, meaning that we should have had one fee instead of the MANY that we did. It showed my charges, then the mortgage then the 500 in OD fees last!!!!!! I checked it again in the morning and it was back to showing it with the mortgage first. Kinda fishy.
So I called DH and he called the bank and told them. He spoke to two different people and guess what........they knew exactly what he was talking about. The mortgage had cleared last. They told him to call back monday because the supervisor would be back and she had to ok that large of an amnt being refunded!!!!!!! DH and i agree that it seems crazy that they could change the order of things to get more money!!!!
So he is calling back today, keep your fingers crossed that they will indeed give us that money back. That would be great news for us!!!

this is a prime example how banks make there big money..(not saying its ok to write or spend money when its not in there) the governemt is currently investigating banks and these practices(i read or saw on tv can't remember wich recently).... i hope your husband gets you that refund.

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'The will of God will never take you where the
Grace of God will not protect you.'

HAVE A BOOTIFUL HALLOWEEN

I do hope that you get your moeny credited back to you. I have to tell you that I really do not like the whole online banking think. I much rather write out a check, place a $0.42 stamp on it and mail it. My car payment usually takes about 10-14 days to clear from the time that I mail it out, so instead, I pay the extra $1 and get a money order and mail that out. I have had a car insurance company debit my checking account 1 month early for my renewal (it was set to EFT) so the payment bounced, because I did not have the funds, on top of 7 checks and then they tried to take it again 5 days later and bounced 5 more checks! Well I called the bank and I called the insurance company. After threatening legal actions against I was refunded all of my bounced check and over draft charges of $600 plus I was given a check of an extra $700 (the cost of my car insurance) of my time and suffering. Needless to say, I did not renew with that company and I will NEVER do EFT again.
The same with debit cards. I much rather take out "X" amount of money for the week and spend cash. With DH and I both having a card, sometimes it is hard to keep track of who spent what. DH is notrious for using her card and not letting me know.
To this day I still think cash is best!

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~ Heather
Mommy to 4 Angels and 1 Earth Angel

I'll be keeping my fingers crossed that it all works out for you.

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Proud mommy to adorable Kinsley

MY BLOG!

WEll, DH just called and said that the bank would refund us 25%.
I would have argued for more, but dh said that was better then nothing, and it is, but i am definately going to use my debit less just in case somewhere else decided to automatically take a payment out!! Cash for me from now on!!!

Why only 25%??? I'd have argued for more, you betcha! It's not like it's some kind of "sale" they're bartering for a lower percentage... It was YOUR money, and if there's any way you can prove the order they came out in, they should give you back the entire amount. I can't remember the first post, but shouldn't the mortgage company be refunding this money, if it was wrongfully deducted?

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~Jenn~

Something like this happened to DH and I a few years back. They were not going to credit the fees back to us and I had to talk to the person over the manager that I spoke with originally. Even though it was a pain and it took a few extra days, it payed off. In the end they returned the money to our account.