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Paid childcare

Discuss everything related to paid childcare here, including childminders, nannies, nurseries and au pairs.

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Original poster

Late paying the Nanny. Her bank has charges her £80 fee

46 replies

ziopin · 02/05/2007 12:59

We were late in paying our nanny by one day. She had a direct debit coming out on her pay day (yesterday) and because she had insufficient funds in her account they have charged her £80.

Is this excessive or is somebody trying to pull the wool over my eyes!!

OP posts:

Are your children’s vaccines up to date?

Set a reminder

mumto3girls · 02/05/2007 13:01

ask her to show you proof, then i guess you owe her it!

ceolas · 02/05/2007 13:02

It's possible that a few charges have occurred with her going overdrawn. If she's able to prove it, I guess you'll have to stump up!

kkey21 · 02/05/2007 13:03

I know the usual charges vary from £20-£30 but never heard of £80 for one item?
For every item that cannot be paid they can charge each time, but my bank has a maximum of 3 charges per day=£90 in my case.
Sounds like she is possibly trying her luck.

Original poster

ziopin · 02/05/2007 13:06

Her usual pay day is on the 28th. Thats the date my money leaves my bank account and gets transferred through cyber space to hers.

She is not in the same bank as me, so how many days does this usually take.

OP posts:

nappyaddict · 02/05/2007 13:07

my charge is £38, so if she had 2 direct debits she would get 2 of these charges. ask to see a statement and then i guess you'll have to pay her.

lunavix · 02/05/2007 13:07

I'd have thought 2-3 days

nappyaddict · 02/05/2007 13:07

i think its about 3.

IdrisTheDragon · 02/05/2007 13:08

My bank charges me £30 per item that didn't clear due to insufficent funds, so if she had a few DDs that didn't get paid, this makes sense.

Stigaloid · 02/05/2007 13:13

Tell her she can claim the money back from the bank as the OFT has stipulated that banks can not charge more than £2.50 for going overdrawn and that they must return the funds.

WanderingTrolley · 02/05/2007 13:18

Call her bank and find out what they charge, but bear in mind her account may differ slightly - she may have gone over her overdraft limit and incurred higher charges.

I suggest you have a word with your bank and make sure the money transfers by the 28th of the month. No matter what your profession it sucks to be paid late.

Tutter · 02/05/2007 13:20

stigaloid, surely that's a separate issue

if my employer were late paying me and i were charged by my bank as a result, i wouldn't expect it to be up to me to put things right

Tutter · 02/05/2007 13:21

ziopin, worrying that you think your nanny might be trying to pull a fast one - any reasons to suspect she mioght be?

sarz · 02/05/2007 13:25

I think this is VERY likely to have happened! Sometimes banks charge one payment for going overdrawn, and one charge for the bank having to pay the DD for you, and then another if it was a cheque, all this in one transaction can happen (i used to work in a bank). Of course get to see her statement 1st though just incase.

AngharadGoldenhand · 02/05/2007 13:33

She might be wise to change the day her direct debit comes out of her bank.

oops · 02/05/2007 13:42

Message withdrawn

LadyPenelope · 02/05/2007 13:43

Yes, think it's possible that if a transfer is set to happen it can be done same day through cyber space.

I would tell her you will of course pay her for any charges related to you paying her late and ask her for the relevant records of the charges. That's what my employer would do. (Big Multi National). Wouldn't feel bad about asking her for the details/records ... only natural you will need that to pay her, doesn't mean you don't trust her.

Dinosaur · 02/05/2007 13:43

This reply has been withdrawn

This has been withdrawn by MNHQ at the poster's request.

oops · 02/05/2007 13:43

Message withdrawn

Saturn74 · 02/05/2007 13:43

Pay it for her and ask for a copy of the bank statement for your accounts.
That way you will know that it is an accurate amount.

Original poster

ziopin · 02/05/2007 13:58

Oh of course I'm going to pay her, but just wondering how they have charges her these fees, when her money always goes into her bank on the 2nd of the month.

I get paid on the 28th, thats when her money leaves my account but its not credited to her account for 4 days, so I cant understand (with only 30 days in this month) how it could have reached her bank sooner than the 2nd!!

Surely as long as she's paid by this date (2nd) whether cash or dd there is no difference??

OP posts:

nappyaddict · 02/05/2007 14:13

how long has she worked for you? is this the first time you've had a non 31 day month? maybe she thought she would always get paid on the 1st and thats why she had the DD going out that day.

Eleusis · 02/05/2007 14:15

I pay my nanny on the last working day of the month, when I get paid. I initiate the transfer on this day. I am not responsible for the banks holding onto the money for however many days it takes them to release it. I would advise nanny to change her direct debit dates to allow some clearance time.

We rent our house, and our rental agency asked us after we moved in to initiate the transfer x number of days early to ensure it is in their account on the first. I told them to piss off and said if they didn't like the delay they should talk to their bank. I we the money on the 1st and that is the day on which I will pay it.

I think it is outrageous that banks are allowed to hold you money for several days before the pass it on. I can see no reason why any transfer should take more than 24 hours.

BradfordMum · 02/05/2007 16:31

NannyL · 02/05/2007 18:36

i still havent been paid

obviously you will have to pay her bank fees.

should i get any bank charges i WILL be passing them onto my bosses... maybe then they will learnt to pay me on time? [hmmm]

edam · 02/05/2007 18:40

Had a similar problem with my nanny, who didn't, at first, understand that although I paid the money out of my account on the 26th, it might not reach her account the same day. Shifted pay date for her and then she wanted it shifted again because of Christmas so ended up paying out on the 20th. Which was OK, just the messing around/naivety was irritating. But I guess that's the difference between a 38yo and a 21yo - more experience dealing with banks.

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