Available balance spent left me overdrawn??

[thedon4]

Hi

 

for the past year I have been putting money into a basic account of mine, no overdraft facility allowed.

Money was put aside for a holiday and friends weddings this year.

I didn't know the exact amount in there but I knew it was a fair amount.

 

I made a few card transactions online, buying wedding presents etc,

Few days later checked my online account to see my available balance.

Noted it was £410, I therefore decided to pay off the rest of my holiday for £350.

 

Few days later go online again and to my shock my account is £275 overdrawn!!!

 

I have a basic bank account, so no overdraft allowed. How can I go overdrawn when my available balance was £410!?

 

From what it seems transactions made online were clearly not deducted from my available balance

(this has never happened before), which obviously led me to believe I had money to spend!!

 

 

I know people will say that I should have kept better track of my money...

But my available balance has always reflected my pending transactions so I really am confused!!!

 

I'm not in a position to pay this back in full... What on earth can I do??

 

I've never experienced anything like this before

 

Anyone else had similar???

[CraigMcK]

Sometimes companies will not take the money until they are just about to ship the goods. It may be you looked at the balance before this happened. But I'm surprised they actually got the money that put you overdrawn, rather than it being rejected.

[fkofilee]

Instead of paying it back in one go contact the bank and ask for a payment plan

[Old Cogger]

Balance of statement == then below would show available funds -- i.e. your purchases not cleared yet but are in the pipeline, same as other Lloyd's statements on line