Bounced Check Fees
Alrighty folks -- this is a bit of a time-sensitive post, so I would appreciate any and all responses... I get paid via check every Friday. That day, I always deposit my check into my own bank account and go on about my business. Most of my bills are set up on auto-pay (come out on a certain date of the month), and I can practically always predict what my balance is.
Well, this past week, apparently my paycheck bounced. Like most people, I do live paycheck-to-paycheck and just don't have a ton of extra cash in my bank account. I incurred a "charge back" fee because their check for me didn't clear (I don't understand that, but it's a pretty standard bank procedure, apparently). Since I am signed up for auto-pay, my phone company did attempt to deduct my phone bill from my account... the money wasn't there, so I got a "return check" fee. I also had a credit card payment set up... and incurred another "return check" fee. Plus, since my account went into the negative (due to the fees), I have overdraft charges. Oy vey!
The family didn't have a problem writing me another check, but I wasn't sure how to bring up the fees. In my opinion, it's not my fault that the money wasn't in my account, and they should pay for my fees... any advice on how to bring it up, or is there anyone who thinks I shouldn't be owed the money? If it was only $20, I wouldn't even bother, but it totals nearly half my paycheck. I'm really trying to do the right thing here... Thank you in advance!
at 5:45 PM