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Original poster

RE: direct debit problem

23 replies

chickyboo · 17/08/2007 12:47

I've just gone from being paid weekly to monthly and trying to juggle childcare costs.
Anyway found out last week that nursery d/debit will come out of my account 3 days before my money is paid into account.

Am up to limit on overdraft do you think it is worth asking bank to cover d/d. I can show them evidence of date i'm getting paid.

OR should I ask DH to put money into my account to cover.

Before you ask he makes such a song and dance about us paying for nursery.

What would you do???

OP posts:
scorpio1 · 17/08/2007 12:49

ask DH - much easier. Why does he make a song and dance? you obviously work! You will be paying him back 3 days later nayway.

meandmyflyingmachine · 17/08/2007 12:50

My bank would, and has in the past, extended our overdraft for us without bother. But of course you have to pay the interest.

Why the song and dance?

Tortington · 17/08/2007 12:51

cancel direct debit - set it up to start monthly on the date that is convenient to you.

Original poster
chickyboo · 17/08/2007 13:07

He seems to think I pay too much for childcare.

About £70 a day 7am-7pm. I get ctx credit and childcare vouchers that help to pay.

all of his mates pay about £50 a week.

OP posts:
Original poster
chickyboo · 17/08/2007 13:08

for a 3 yr old.

OP posts:
scorpio1 · 17/08/2007 13:08

£70 a day is alot....my nursery is £34 a day.

elesbells · 17/08/2007 13:09

just go to your bank and ask them to change it to a day after you get paid.

scorpio1 · 17/08/2007 13:09

for 2.9 year old, 8am-6pm.all meals/nappies inc.

SaintGeorge · 17/08/2007 13:11

The bank can't change the date, they can only allow or refuse the payment.

I know I am out of touch with childcare costs but £70 a day does sound excessive.

Original poster
chickyboo · 17/08/2007 13:14

Its the only nursery that opens at 7am in Islington/Hackney. I sometimes have to work late.
it works out to around £150 a week with all Tax credits and childcare vouchers.

OP posts:
scorpio1 · 17/08/2007 13:15

maybe a childminder would be cheaper?

Original poster
chickyboo · 17/08/2007 13:17

I can't beleive everyone thinks this is expensive.

Does anyone know the name of any of these cheaper nurseries in N1

dd nursery has excellent ofsted report.

OP posts:
scorpio1 · 17/08/2007 13:19

Sorry, i just think its expensive compared to mine. yours costs double what mine does, and its a private nursery with outstanding OFSTED, too.

just comparing.

Original poster
chickyboo · 17/08/2007 13:25

I have tried to get childminder.
I need to leave for work at 7am latest.

I worked out that it would cost similar amount without inconvenience of having 2 childcarers

OP posts:
Original poster
chickyboo · 17/08/2007 13:27

Are you also in central london scoprio1?

OP posts:
meandmyflyingmachine · 17/08/2007 13:28

Whether the amount is excessive isn't really relevant . It is what you pay. And dh needs to pay up or find an equally good alternative IMO.

scorpio1 · 17/08/2007 13:28

No, Cornwall. i know its £££ in London, DP is from Guildford and everything is so expensive! i was going to go to uni there and nursery there full time was £800 p/m!

Original poster
chickyboo · 17/08/2007 13:35

Thank you for putting me back on track Meandmyflyingmachine

I'm going to ask him tonight, then i can still ask bank if he gets on my nerves with his victor meldrew moaning

OP posts:
ImBarryScott · 17/08/2007 13:35

Just to add chickyboo, your nursery is not uncompetitive for the area. we were looking at sending DD to nursery in EC1 the cheapest we could get was £68.00 for 8am-6pm. You have a long day which is worth paying for.

(Even in S. London 7-7 costs £50 per day!)

muppetgirl · 17/08/2007 13:42

Wasn't this a joint decision to put your dc in nursery, especially this nursery? A joint decision after looking into all the alternatives, costs, times and ofsted reports ect?

Sorry, but why is this your problem?
Why does he think you've chosen a too expensive nursery?

He should cover the costs and you pay him back (if that's what works for you)

Original poster
chickyboo · 17/08/2007 13:46

Thanks for all of your advice. I haven't been on Mumsnet for ages.

Can't think why not.

OP posts:
Original poster
chickyboo · 17/08/2007 14:20

Have just asked Dh is going to lend me money.

he did tell me to ask bank said I would rather he helped.

First of all said he couldn't and that he's really worried about money.

For the past 4 1/2 yrs he has had to pay mortgage and council tax.

Though I have always paid for food and household things whille earning £400 a mth.

Anyway I have now got full time job and had to remind him that this benefits both of us. I have hardly ever asked him for money to help since DD was born. I think he is a bit spoilt

In the end I twisted his arm and explained that childcare is not just my responsibility. I should be abl to ask my husband for support.
He said he's really worried about having a heart attckI didn't realise what a drama queen he was.

OP posts:
muppetgirl · 17/08/2007 14:25

Good on you chickyboo!!

Does sound a little precious your dh

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