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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 it?

flowery Tue 26-Mar-19 14:10:46

” don't think my 'upped' offer of £150 x 4 is unreasonable for a business I have given so much to.

Other obviously have differing views and I respect that.”

Ultimately the only person whose view is relevant about whether your offer is reasonable is the business owner/decision maker. Either they’ll accept it or they won’t, and if they won’t you’ll have a decision to make about your DC childcare.

givemesteel Tue 26-Mar-19 14:10:03

It doesn't matter what we randoms on the internet think is reasonable or not, the nursery are not accepting a payment plan (reasonable on my opinion) so you either need to pay them or risk your credit rating being messed up for the sake of £500 as well as not having any childcare.

Use your overdraft or get a credit card, or if you know anyone who can lend it to you borrow it from them instead and pay back in £100 installments.

You sound like you need some better financial management strategies, do you have text alerts that tell you in/outgoings?

Cheby Tue 26-Mar-19 13:56:59

YANBU. A payment plan is perfectly sensible. It’s what they would get in small
Claims court anyway.

Purpletigers Tue 26-Mar-19 13:55:20

You should pay it now . Overdraft , credit card if necessary. They will have bills to pay too .

swingofthings Tue 26-Mar-19 13:50:06

Let's hope they accept the arrangement. The reason why they will be insistent will be for auditing purposes, an accounting exercise, it won't be personal or them being difficult for the sake of it.

Really you were both negligent. Some posters said you paid, but you didn't. Writing a cheque is not paying. Having the money coming out of your account is. There are a number of reasons why a cheque can be rejected. I had one rejected recently because of a basic error most wouldn't have noticed.

You have to take responsibility for not managing your budget better. What if it had been the other way around and somehow they had cashed the cheque twice?

2rachtint Tue 26-Mar-19 13:49:31

I think your offer is totally reasonable!

I had my bank's home insurance and randomly they stopped taking the direct debit. I didn't notice until many months later when they sent me a final demand for the money (no previous comms of any kind) - when I called them I offered a payment plan which they said no to but suggested I complain higher up which I did and they wiped it. I was more than happy to pay but didn't have a spare few hundred at that time of the month.

A payment plan is a fair and good solution to their error.

BlueJag Tue 26-Mar-19 13:46:48

You been having free childcare. Do your best to pay them even if it mean an overdraft.

lottiegarbanzo Tue 26-Mar-19 13:35:54

This thread is sanctimony-tastic.

bbcessex Tue 26-Mar-19 13:30:35

OP - had the nursery lost the cheques?

Did you incur a charge for cancelling them?

I think you’ve been more than reasonable to be honest

Raspberrytruffle Tue 26-Mar-19 13:29:24

Wow that would annoy me but unfortunately you do need to pay op.
Did you not notice that you had more money in your bank than expected? Money is tight for us so we watch every penny and if I were to pay by check I'd be ensuring that money was not touched and if they had not asked for it after a while I would of contacted them asking why? I can't sleep until I know the money has been taken but that's just me I'd worry if I had nothing to worry about grin

TheFaerieQueene Tue 26-Mar-19 13:14:58

Cancelled the cheque 🤣

A MN oldie but goodie.

KittyVonCatsington Tue 26-Mar-19 13:14:31

Sorry but I'm with pps who think if you're well off enough to not even notice a Cheque of over £500 hasn't been cashed (which I'm very sceptical about) then you can pay it off in full.

What a heartless thing to say. Highlights the contempt some Mumsnetters have of those not counting every penny.

OP, you have handled this fairly. I hope that your latest offer to them is accepted.

septembersunshine Tue 26-Mar-19 13:11:18

Op, we pay for our ds nursery fees via bank transfear and use our ds name has the reference. That way we know the money was transfeared and have a record of it. Maybe do that next time?

Op, I would just pay up in full now and put it behind you. If you really can't afford that then offer to pay half immediately and the other half on a date agreed to by all the parties involved. Yes, it was their error but these things happen. I don't blame you for not noticing. The other day I found out my 10 year old son had unwittingly signed me up on Amazon (using his tablet that I opened with my Amazon account) to get music or was an ongoing payment, £10 a month. A year later I noticed this. A year. And I check my online banking account twice a week.

Pinkyyy Tue 26-Mar-19 13:04:47

I can't believe you're getting such a hard time. Of course they can't demand a lump sum-its their error not yours. Paying in installments should be fine.

Lincspeeps Tue 26-Mar-19 13:02:22

I completely agree that I need to pay. Non payment is not an option - I'm not a thief and, having checked my bank statement for the past few years have worked out I have paid them a total of £23,260 - I just feel that this should 'buy' me some leeway in paying back their mistake.

If I was offering £1 per month for life I'd understand some of the negativity on here but I don't think my 'upped' offer of £150 x 4 is unreasonable for a business I have given so much to.

Other obviously have differing views and I respect that.

Dreamingofkfc Tue 26-Mar-19 12:53:45

If you pay by cheque does this mean you don't use the tax free child care scheme? Are you both working? It will save you 20%

skye199 Tue 26-Mar-19 12:51:24

Pay them obv!

CordeliaEarhart Tue 26-Mar-19 12:49:06

a Cheque of over £500

It wasn't. It was a cheque of less than £300 and two months later another cheque of less than £300. I'd notice if a cheque of £50 wasn't cashed, some would notice £5. It isn't that hard to imagine that some people have different levels of income and expenditure.

Nobody is saying she shouldn't pay it, we're just saying that a payment plan is totally reasonable considering the company were also at fault here.

Dottierichardson Tue 26-Mar-19 12:47:42

It seems that MN is full of people who do regular bank reconciliations how nice to see we're a nation of accountants. OP YANBU to ask for a payment plan, the business screwed up, they should go halfway to meet you in sorting this out.

ScrewyMcScrewup Tue 26-Mar-19 12:43:35

A payment plan is very reasonable.

Some of these replies are really odd. Hope you enjoy the holiday!

Graphista Tue 26-Mar-19 12:19:07

How on earth could you not have noticed the money didn't come out of your account?!

You owe the money you need to pay up.

I'd have been chasing them after the first month if it hadn't gone out precisely to avoid just this situation and I'd have set the money aside so as to avoid spending it.

If it still weren't cashed after 2 months I'd have been cancelling the original cheques and made an appointment to speak to them about their lax accounting.

"No, I didn't realise the additional money was there. It's a joint bank account and money is coming in and out all the time". thats exactly why you SHOULD be keeping a closer eye - such an approach leaves you wide open to fraud or even as you're finding here coming unstuck due to others mistakes

"They normally bank cheques within a week so just assumed they had gone out" never assume when it comes to money. Always check on what's happening

I'm on a tight budget and check my budget weekly, I run a spreadsheet for working out what I can afford and to save for things like Christmas and to "forecast" what my balances should be. Makes it very easy to do quick checks and notice if something is amiss.

Sorry but I'm with pps who think if you're well off enough to not even notice a Cheque of over £500 hasn't been cashed (which I'm very sceptical about) then you can pay it off in full.

GabsAlot Tue 26-Mar-19 12:07:56

sorry your holiday shouldnt be the priority here-you owe a business money they should be paid first

Anique105 Tue 26-Mar-19 11:21:11

What it comes down to is that you need to pay. You should have noticed that amount in your account. As many pointed out if you didnt notice it then why cant you make that extra amount. Its obvious you spent it.

You can kick up a fuss but do you want it to come down to your ds not having a place there and finding somewhere else.

hahshbsbskao Tue 26-Mar-19 11:16:47

100% agree with your payment plan OP, you obviously made a mistake not realising it hadn't been taken, but then so did they! They're being ridiculous to not accept it.

LoudBatPerson Tue 26-Mar-19 11:07:50

if the OP had paid in cash which the child care shoved in a drawer, 9 months later they tell the OP they have lost the envelope would you all still expect the OP to pay again?...I am just trying to point out that the care provider needs to take some responsibility.

No, because in that case, the OP would have actually paid the provider. When you give someone a cheque, they have not actually been paid until the cheque is cashed and cleared.

The care provider has indeed not done particularly well, however when paying by cheque it is the person paying by cheque who makes the promise of the actual payment, and is liable for that payment when the cheque is cashed (unless the cheque is cancelled etc, which wouldn't matter here as the services have already been provided, so the OP is liable for the cost).

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