I don't know what to make of this or if I'm being a bit paranoid but this has been happening to me quite often.
I have a overdraft of £600 and most months I get near to it. About 3 times this year I have looged into my bank account and checked my balance e.g £10, I have then spent £7 on a Maestro transaction. Then a couple of days later, when I check my account I am overdrawn due to another transaction that I made a week earlier has come off.
Some may say it's my fault for not checking that my transactions are off the balance but I just find it strange that the transactions only get delayed when I'm near to my overdraft limit. When contacting YB they said Tesco (which the transaction was with) had 3 or 6 months (cannot remember) to take the transaction. Funny how the £7 came out instantly leaving £3 but a purchase a week earlier was not off yet, it was from the same Tesco store. Just seems that it would be all too easy for banks to hold a transaction back until I near my overdraft limit and BAM! £25 please.
Has anyone else had issues with delayed Maestro transactions or a similar experience?