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Overdrawn on a NatWest adapt account

Guys I need your help,me being stupid, I accidentally bought items using PayPal, this has made my account go overdrawn by -£276 can some one help me, has any one been in this situation and how did you resolve this issue. Please dont critisize my stupidity.

Reply 1

34908seikj

What type of item did you buy, could it be possible to ask for a refund / chargeback.

Reply 2

Anono19

Original post by 34908seikj

What type of item did you buy, could it be possible to ask for a refund / chargeback.

Yes it could, i bought a phone, however, this would not stop me from paying overdrawn fees which are gonna build up by the time i actually recieve a refund.

Reply 3

34908seikj

Original post by Anono19

Yes it could, i bought a phone, however, this would not stop me from paying overdrawn fees which are gonna build up by the time i actually recieve a refund.

damn that sucks, don't really know what you could do. Maybe ask a relative, if it's that bad.

Reply 4

999tigger

If its an unathorised overdraft the bank will charge you extra. It's £6 a day apparently.

You can use the NatWest overdraft calculator.
http://personal.natwest.com/personal/current-accounts/overdrafts/overdraft-calculator.html
You should get iit authorised or if they wont then pay them back.

Reply 5

emmald583

Are you definitely sure it's gone through as an overdraft? I have an adapt account and I've tried to pay for things online before, if you don't have the money in your account it usually just rejects your card?