Turn on thread page Beta
    • Thread Starter
    Offline

    3
    ReputationRep:
    So, I'm a student down near Bighton, and this weekend I returned home to see my friends. Us all being students, we all went out for the night. Now, before this night out my financial situation was good, had no debt, and a comfortable budget to last the year.
    However, I visited a slightly dodgy club last night, and made the massive mistake of paying on card. I came home to a receipt of £300 from just one transanction. I'm in no way trying to get this money back, its my fault it ended like this.
    On this night out, I also managed to take a large amount of cash out as well throughout the night.
    So essentially, I now have less than £30 to last until Christmas. I was up all night last night worrying about this, as I don't currently have an overdraft enabled on my account. I'm going to apply to get this changed tomorrow when the office is open. But I'm scared they won't allow it to be done if I such low balance, since my friend had to deposit £500 to have his santander over draft opened.
    For information, I'm with Barclays and have been since I was about 16, so got automatically changed to the student account without being given the option for an overdraft.

    Help I don't know what to do
    Offline

    21
    ReputationRep:
    (Original post by Flux_Dubstep)
    So, I'm a student down near Bighton, and this weekend I returned home to see my friends. Us all being students, we all went out for the night. Now, before this night out my financial situation was good, had no debt, and a comfortable budget to last the year.
    However, I visited a slightly dodgy club last night, and made the massive mistake of paying on card. I came home to a receipt of £300 from just one transanction. I'm in no way trying to get this money back, its my fault it ended like this.
    On this night out, I also managed to take a large amount of cash out as well throughout the night.
    So essentially, I now have less than £30 to last until Christmas. I was up all night last night worrying about this, as I don't currently have an overdraft enabled on my account. I'm going to apply to get this changed tomorrow when the office is open. But I'm scared they won't allow it to be done if I such low balance, since my friend had to deposit £500 to have his santander over draft opened.
    For information, I'm with Barclays and have been since I was about 16, so got automatically changed to the student account without being given the option for an overdraft.

    Help I don't know what to do

    Uh. No. Fight your case and try to get your money back rather than immediately giving up. They may give you your money back, you have the receipt and they should have system that shows what was bought so they'll be able to tell whether you were overcharged.
    • Thread Starter
    Offline

    3
    ReputationRep:
    (Original post by SophieSmall)
    Uh. No. Fight your case and try to get your money back rather than immediately giving up. They may give you your money back, you have the receipt and they should have system that shows what was bought so they'll be able to tell whether you were overcharged.
    The thing is, I doubt this will happen. Its not as if I didn't spend close to this amount. If I'd been charged 300 for a pint I would defintely fight for the money back, but yeah lets just say it may well have cost 300 for this night
    Offline

    21
    ReputationRep:
    (Original post by Flux_Dubstep)
    The thing is, I doubt this will happen. Its not as if I didn't spend close to this amount. If I'd been charged 300 for a pint I would defintely fight for the money back, but yeah lets just say it may well have cost 300 for this night
    Then you did in fact make a stupid mistake.

    Curb your drinking habits, that is not remotely a normal amount to spend.
    • Thread Starter
    Offline

    3
    ReputationRep:
    (Original post by SophieSmall)
    Then you did in fact make a stupid mistake.

    Curb your drinking habits, that is not remotely a normal amount to spend.
    I'm aware this was absurd. I appreciate your concern, but I've accepted this mistake. I'm more worried about how I go forward from this
    Offline

    2
    ReputationRep:
    that must have been one hell of a hangover
    Offline

    2
    ReputationRep:
    since when did drug dealers accpet card lmfao
    • Thread Starter
    Offline

    3
    ReputationRep:
    It wasn't really drink that racked up the cost. It was all the aditions that you end up buying whilst drunk. The vip booths and the like
    Offline

    2
    ReputationRep:
    (Original post by Flux_Dubstep)
    So, I'm a student down near Bighton, and this weekend I returned home to see my friends. Us all being students, we all went out for the night. Now, before this night out my financial situation was good, had no debt, and a comfortable budget to last the year.
    However, I visited a slightly dodgy club last night, and made the massive mistake of paying on card. I came home to a receipt of £300 from just one transanction. I'm in no way trying to get this money back, its my fault it ended like this.
    On this night out, I also managed to take a large amount of cash out as well throughout the night.
    So essentially, I now have less than £30 to last until Christmas. I was up all night last night worrying about this, as I don't currently have an overdraft enabled on my account. I'm going to apply to get this changed tomorrow when the office is open. But I'm scared they won't allow it to be done if I such low balance, since my friend had to deposit £500 to have his santander over draft opened.
    For information, I'm with Barclays and have been since I was about 16, so got automatically changed to the student account without being given the option for an overdraft.

    Help I don't know what to do
    Do you have any family members that can give you some money to tide you over until you can get an overdraft sorted? If Barclays won't give you one then I would switch to another bank, but this may take a few days.
    Offline

    2
    ReputationRep:
    You're stuffed by the sounds of it.
    Offline

    19
    ReputationRep:
    get a part time job, work extra shifts

    take out a loan to get you through until you find your job - make sure it pays well like at Aldi's or something
    then pay it back

    idk really... that's what i would do if no family members offered to help
    Offline

    21
    ReputationRep:
    (Original post by Flux_Dubstep)
    It wasn't really drink that racked up the cost. It was all the aditions that you end up buying whilst drunk. The vip booths and the like
    Get the overdraft, failing that most universities give out hardship funds.

    And in future remember that vip booths are a stupid waste of money, and they kind of make you look like a **** to the rest of the club goers.
    Offline

    14
    ReputationRep:
    (Original post by Flux_Dubstep)
    So, I'm a student down near Bighton, and this weekend I returned home to see my friends. Us all being students, we all went out for the night. Now, before this night out my financial situation was good, had no debt, and a comfortable budget to last the year.
    However, I visited a slightly dodgy club last night, and made the massive mistake of paying on card. I came home to a receipt of £300 from just one transanction. I'm in no way trying to get this money back, its my fault it ended like this.
    On this night out, I also managed to take a large amount of cash out as well throughout the night.
    So essentially, I now have less than £30 to last until Christmas. I was up all night last night worrying about this, as I don't currently have an overdraft enabled on my account. I'm going to apply to get this changed tomorrow when the office is open. But I'm scared they won't allow it to be done if I such low balance, since my friend had to deposit £500 to have his santander over draft opened.
    For information, I'm with Barclays and have been since I was about 16, so got automatically changed to the student account without being given the option for an overdraft.

    Help I don't know what to do
    Relax. Student accounts usually come with an automatic overdraft. At least with Natwest and Santander they do.
    • Thread Starter
    Offline

    3
    ReputationRep:
    (Original post by stochasticking)
    Relax. Student accounts usually come with an automatic overdraft. At least with Natwest and Santander they do.
    I thought it would, but now I'm scared after reading the words "subject to status"
    Offline

    14
    ReputationRep:
    (Original post by Flux_Dubstep)
    I thought it would, but now I'm scared after reading the words "subject to status"
    Call them tomorrow morning? Have you given confirmation of your student status? That's probably all they are after.
    • Thread Starter
    Offline

    3
    ReputationRep:
    (Original post by stochasticking)
    Call them tomorrow morning? Have you given confirmation of your student status? That's probably all they are after.
    I will call them tomorrow, they may not be aware of my student status since I got automatically transferred to the student account
    Offline

    21
    ReputationRep:
    (Original post by Flux_Dubstep)
    So, I'm a student down near Bighton, and this weekend I returned home to see my friends. Us all being students, we all went out for the night. Now, before this night out my financial situation was good, had no debt, and a comfortable budget to last the year.
    However, I visited a slightly dodgy club last night, and made the massive mistake of paying on card. I came home to a receipt of £300 from just one transanction. I'm in no way trying to get this money back, its my fault it ended like this.
    On this night out, I also managed to take a large amount of cash out as well throughout the night.
    So essentially, I now have less than £30 to last until Christmas. I was up all night last night worrying about this, as I don't currently have an overdraft enabled on my account. I'm going to apply to get this changed tomorrow when the office is open. But I'm scared they won't allow it to be done if I such low balance, since my friend had to deposit £500 to have his santander over draft opened.
    For information, I'm with Barclays and have been since I was about 16, so got automatically changed to the student account without being given the option for an overdraft.

    Help I don't know what to do
    Don't worry about the 500 thing thats per term as a deposit. No doubt you have had 500 pounds worth of deposits in the last 4 months.....

    It will be a simple case of going into the office and applying for an overdraft.




    Posted from TSR Mobile
    • Thread Starter
    Offline

    3
    ReputationRep:
    Thanks that makes me a lot more confident
    Offline

    11
    ReputationRep:
    Hope it all works out but next time you go out take cash only, no cards that you can spend rediculous amounts of money on
    • Thread Starter
    Offline

    3
    ReputationRep:
    Yeah I'm never taking plastic on a night out again haha

    Posted from TSR Mobile
 
 
 
Poll
Favourite type of bread

The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

Write a reply...
Reply
Hide
Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.