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AIBU to not want to pay in full?

(185 Posts)
Lincspeeps Tue 26-Mar-19 07:57:52

DD is in before and after-school childcare in a small place near Peterborough. We used them for DS for three years and DD has been there for five years. Never had any problems with them and have got to know staff very well.

Last week we had a call to say that due to an admin oversight our cheques from May and July 2018 have never been banked (total of £580) and as they are almost 9 and 11 months old they need replacements as the bank won't take them.

We hadn't realised they hadn't been banked and, being honest, that money is no longer available. Obviously an error on their part and on ours. We have offered to pay them £100 per month but they want it all or they won't accommodate DS after Easter.

AIBU to not want to pay it all out. We would have to go into overdrafts to find the lump sum and would be charged. As it's a dual error I don't think £100 per month for six months is unreasonable....is it?

MadMadaMim Wed 27-Mar-19 18:32:17

I'd offer £280 now and then 3 installments of £100.

I don't have much money but also wouldn't notice an extra £580 over a 3-4 month period. I never know how much I have until I haven't got any....

I check maybe 2-3 x per month

MsAdorabelleDearheartVonLipwig Wed 27-Mar-19 18:26:53

I don't get how you don't notice the extra £580 but now don't have enough money to pay at least half

My thoughts exactly.

Well, if you won’t read the bloody thread... hmm

Beeziekn33ze Wed 27-Mar-19 18:23:07

Lincspeeps - Glad to see that they saw sense and accepted £150x4.
What a lot of hypercritical posts from those with impeccable financial acumen.
And then there are the ones who (wilfully?) misunderstood and decided you were trying not to pay 🙄

Ipithombi Wed 27-Mar-19 18:14:53

I think you knew the money hadn’t gone out and thought you’d got lucky! You owe them the money. You need to pay it.

JustTwoMoreSecs Wed 27-Mar-19 18:14:01

I don't get how you don't notice the extra £580 but now don't have enough money to pay at least half My thoughts exactly.

ToftyAC Wed 27-Mar-19 18:05:43

Yes they might take you to court and win, but the court would also take a dim view that a sensible repayment plan had been put forward and would possibly order that you do pay it monthly.

floribunda18 Wed 27-Mar-19 18:04:42

Bollocks that you didn't notice the cheques hadn't been cashed. If you can't afford £500 now then you would have noticed.

However, it is shitty on their part. I'd find somewhere else to take the kids, and pay them back £100 a month.

aspoonfulofyourownmedicine Wed 27-Mar-19 18:01:03

I've just read the OP properly again and realised that it was 2 separate months - May and July - so it's not like the OP had £580 randomly sitting in the account - that's £290 in May and £290 in July, not £580 in one go. Sometimes I have a little bit extra money where I've worked extra shifts on my 'zero hour' contract bar job, or where I've worked during school holidays doing extra holiday work so would have bit extra cash.

** Glad they've accepted a payment plan OP

RomanyQueen1 Wed 27-Mar-19 17:55:23

Can you borrow the money or ask if you can pay in two instalments rather than £100 per week.
They need a new system so this doesn't happen again, and you need to be vigilant and check regularly.
The tax year finishes at the end of March, they obviously need to have the books straight.

Relaxitsonlyababy Wed 27-Mar-19 17:51:40

Wow. I can’t no believe how rude people are being. It’s not like she said she wasn’t gonna pay just that she needed a bit of a compromise - maybe circumstances ahve since changed given it was 9 & 11 months ago. Is there proof it’s her cheque missing and not someone else’s? It’s a pretty epic admin error. she’s used this nursery / childcare option for what 5yrs+ And never had an issue. As a gesture of goodwill I’d be accepting the payment plan. I guatentee there’s people owing far more And being far leas reasonable.

We have a separate bills account. Which is backed up by an overdraft but I don’t flick through it to see what’s been in and outX we always add extra and it once took us 5months to notice British Gas he changed our DD amount. I can see how it was missed especially if there’s been a change in circumstance.

PurplePenguins Wed 27-Mar-19 17:47:44

Have they definitely not cashed the cheques? I had a debt letter saying similar but they had cashed the cheques and I proved it it was an admin error. They had the receipt but hadn't put it on the system. As it's their error too, I think YABR.

aspoonfulofyourownmedicine Wed 27-Mar-19 17:44:18

I don't think the OP is being unreasonable either. She's offered to pay the money owed, in instalments and I don't think it's all her fault, if at all.

I can't honestly say that I would notice money not going out of my account and I'm usually skint. This is because I get paid monthly on 2 different days from 3 different jobs, plus commission on another day from my other job, the my DH gets paid weekly for one employment and monthly from another employment, so there's always cash moving around the account. I have in the past failed to notice a failed DD for a gas account, but thought nothing of it as a DD was coming out for the same company - I hadn't realised it wasn't a dual fuel payment. And I've also not noticed an ongoing issue with NT membership not being taken properly, until I got a letter saying they'd been unable to take a direct debit for 3 months.......

Pinkyyy Tue 26-Mar-19 16:40:06

I'd like to see all the posters who have berated the OP put themselves into debt to pay a lump sum, just to rectify someone else's mistake. Glad it's sorted OP.

Rockmysocks Tue 26-Mar-19 16:17:39

I'm just gobsmacked so many people commented that she didn't notice an extra 500 odd.... It wasn't ever that in any one month, it was 2 or 3 cheques not cashed so either half or third of the total. A much smaller amount to be extra and very easy for it to go unnoticed.

Glad it's sorted out OP.

Urgh2019 Tue 26-Mar-19 15:31:22

I used to pay DDs nursery electronically using Busy Bee vouchers.
I got a threatening letter saying I hadn’t paid for 6 months.
I had. The business has changed email addresses but hadn’t changed it with busy bee so hadn’t had notification.
This was part of a large chain of nurseries with a finance office. It took weeks to sort out. They also tried to remove DD whilst it was being sorted out.
These are businesses making a lot of money, they need to act like it sometimes.

PandaBlue Tue 26-Mar-19 15:24:42

Glad to hear the owner is much more reasonable than some posters on here!

havingtochangeusernameagain Tue 26-Mar-19 15:04:55

Glad they've agreed to a payment plan - pity they didn't offer a reduction given it was their error, not yours. But anyway, maybe you could suggest to them that you set up a standing order in future. Cheques seems like a high maintenance way to pay - both for you having to write them and them having to cash them.

StealthPolarBear Tue 26-Mar-19 15:00:03

Glad it's been resolved.
To all those people saying how come you were so rich you didn't notice and now you're skint? Have you come across the concept of people's circumstances changing?

cstaff Tue 26-Mar-19 14:48:27

Great result OP. I am sure you are relieved.

MissConductUS Tue 26-Mar-19 14:46:33

It seems that MN is full of people who do regular bank reconciliations how nice to see we're a nation of accountants.

It's not like you have to do them manually with a quill pen and green eye shade. It's quite quick and easy with some software. I track it in Quicken, which will download my transactions from my bank, so minimal effort. Not doing so might mean missing a bank error or fraudulent withdrawal.

My daughter's rowing association takes months to cash her registration checks. It drives me batty.

oh4forkssake Tue 26-Mar-19 14:46:23

Good result OP

Lincspeeps Tue 26-Mar-19 14:43:36

UPDATE: Business owner has been on and apologised for their error. The person who did the banking last year has left the organisation and I am not the only parent affected.

She says she is more than happy to accept 4 x £150 and says her manager should have accepted the offer of 6 x £100 when offered as it was their mistake.

All's well that ends well. I will keep a closer eye on my financial outgoings in the future! Thanks for all who contributed to this discussion, even those of you who were extremely sanctimonious ;-0

RavenLG Tue 26-Mar-19 14:22:34

OP, I don't think you're totally unreasonable asking for a payment plan, and your suggestion is sensible. However, I do hope this will make you more aware of your incomings and outgoings, as not noticing 2 fairly substantial cheques haven't gone out is a bit irresponsible.

It seems that MN is full of people who do regular bank reconciliations how nice to see we're a nation of accountants.
On the other hand, it's clear not checking your bank and having a clue what is going in / out is very damaging and people often end up in situations worse than the OP here. This is why we are a nation of debt. It's not about tallying up every single penny, but it's about being financially responsible. Comments like this is why more finance/budgeting needs to be taught in schools.

Numptysod Tue 26-Mar-19 14:18:25

At end of day, they got cheques they didn’t bank them, they’re falut tbh.

Starch Tue 26-Mar-19 14:13:22

Yes they will accept a payment plan to get the money if there’s no other option. They just won’t provide the OP with childcare in that case.

Hopefully the increased offer will make the difference.

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