What happens if my salary does not go into my bank ? other colleagues have been paid but mine seems to have vanished. I have spent the morning trying to contact my boss but she isn't available (both on day off) and ringing the bank trying in vain to get a temporary overdraft extension. If I am charged for failed DD or missed payment to credit cards who is responsible ? or is just tough luck and I should have enough to cover bills without being paid ( I wish I had that much money !)