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[ksumn1]

Call your bank 1st thing in the morning. Explain the situation and see if they can suggest any course of action. Or at least make them aware of the situation so they can possibly speed up the process on their end. Also, if your debit card is Visa or mastercard branded, aren't you protected against overcharges?

And to those who question whether OP should be going to WDW??!! She didn't ask for an opinion on if she and her family should go to WDW. She asked what should she do about the overcharge. I know she mentioned the overdraft on the car payment, but really MYOB. She asked how to convince DH to go, not how to dissuade. Why does everybody have to be the money police?

 

[heatherleigh]

I had to get a refund last month. I made a reservation w/ Disney, then they came out w/ a special (I didn't want to lose out on) so I made a second one. Both required a $200 deposit, I believe. Anyway, I think my refund came through within a few days. I don't really use that account (it's solely a vacation fund) so I wasn't keeping close enough tabs to tell you the exact date, but it definitely didn't take two weeks.

OP, please don't worry about the money-police and their scoldings, because that really doesn't matter. It is beside the point, and not anyone else's concern.

 

[ryan840]

We've been overcharged and put in that situation before too, and Disney was wonderful about it. They offered to write a letter to our bank taking responsibility for the mistake and everything.

I don't get why total strangers feel the need to tell you whether or not you can afford your vacation (based on one post no less), it irks me to no end when I see people do that. I wouldn't take it personally.

 

[saradela]

They made a mistake also with me. They told me that it will take 7 to 10 days. The money was in my account 48 hours later.

 

[Planogirl]

Funny how these threads always draw financial advice. It might be correct but of course it's up to you how you spend your money.

I think that calling Disney back and calling your back is wise. I wish you luck getting all of this resolved.

 

[rysmomma242]

Thank you for all the responses... Even the "money police".... You all are kind to be concerned. I am surprised that so many of you have had the same trouble with overcharging. I will be on the phone this am with the bank and hopefully a supervisor at Disney. My crazy hubby thinks they should give us a CL room for making the mistake.... Ridiculous!!!! That will SO NOT happen, no matter how many supervisor I call.

 

[Indiana Rose Lee]

Thank you for all the responses... Even the "money police".... You all are kind to be concerned. I am surprised that so many of you have had the same trouble with overcharging. I will be on the phone this am with the bank and hopefully a supervisor at Disney. My crazy hubby thinks they should give us a CL room for making the mistake.... Ridiculous!!!! That will SO NOT happen, no matter how many supervisor I call.

I hope that all comes together today. That is a crappy feeling. When we were paying off the hospital bills we had to deal with issues like this a couple of times.

 

[auralia]

I just want to give a warning once i over paid disney and it took them over 30 days to get me the money back... this is why i always pay on a credit card now the refund your money much quicker if you or they make a mistake (in my case it was also their mistake).

 

[Praying Colonel]

As a hubby, when I hear his comment "It's started already!" it says to me (a) he's stressed about finances, and (b) he believes the trip is going to stress out those finances even more.

I know this is probably not the help OP asked for in the title of her post, but she did ask for help, so here's my help: if paying for this trip is cutting it so close that a $600 error means bouncing the vehicle payment, then I wouldn't go. I know it's DD's birthday, but IMHO she could have a wonderful birthday present that costs less than the cost of a WDW vacation.

Pulling on my flame-retardant gear and ducking for cover....

 

[taximomfor4]

Been overcharged at other places (not WDW), more than once. Each time, once I cleared the correct amount with the place that overcharged me, I simply notified my bank as well. It took ONE phone call, the bank cleared the mis-charged funds right away and nothing bad happened. I say, you already fixed the amount with Disney. Now, give your bank a call and have your account balance adjusted. Takes a quick phone call. Too much emotion invested in fixing an easily remedied error gets the vacation off on the wrong foot.

Seriously...the bank really mostly likely will just put the disputed amount back into your available balance until the proof from WDW of the charge goes through. Takes 3 minutes, tops. The supervisors at WDW can't help. And an apology won't fix the error, you'd just be wasting more of your own precious time chasing one down.

I hope, hope, hope your vacation is much, much better than the last time! Tell your dh that billing glitches are not unique to WDW, For the several I've suffered, NOT ONE has been at WDW! The remedy is quick, and simple, and relatively painless.

(hoping you feel the love at WDW this next trip!)

 

[vroomagain]

Also try calling whoever you are making payments to and let them know you will be late with the payment.

 

[Mom2Ben02]

OP, I am sorry this happened to you!! I work for BOA - I know for us, we are doing everything we can to make people happy these days. Hopefully, your bank would refund any OD fees. If not, have a banker print off a statement showing how many fees were charged due to Disney, and send it to a supervisor at WDW. Hopefully, they will take care of it!!

As far as those who are saying "don't go" because of finances...is this not the budget board? I read posts every day about people who finance trips with "found" money...I think a bonus is a great way to pad the vacation fund.

 

[iwrbnd]

I'm concerned about your trip on a whole different level. Money and Disney mistakes aside, your DH sounds like he's in a position to be miserable no matter what happens on your trip. That would quickly ruin a Disney trip for me and make me wish we had stayed home. Maybe waiting a year or two until your DH is ready will make everyone happier! Just a thought.

 

[labdogs42]

I'm concerned about your trip on a whole different level. Money and Disney mistakes aside, your DH sounds like he's in a position to be miserable no matter what happens on your trip. That would quickly ruin a Disney trip for me and make me wish we had stayed home. Maybe waiting a year or two until your DH is ready will make everyone happier! Just a thought.

Or save money by leaving him at home and you and your DD have a fun mommy/daughter vaca!

 

[*pixie*dust*]

I'm concerned about your trip on a whole different level. Money and Disney mistakes aside, your DH sounds like he's in a position to be miserable no matter what happens on your trip. That would quickly ruin a Disney trip for me and make me wish we had stayed home. Maybe waiting a year or two until your DH is ready will make everyone happier! Just a thought.

I was actually thinking the same thing. Sounds like DH doesn't want to go at all.

 

[wdwfan16]

So Disney charged our credit card an extra $600!! I made my final payment for our May vacation... it was $504.32 but they charged me $1104.32!! I called today, they were very nice and said I had a credit balance that I could use in the park, or they would refund it... it will take 7-10 days..... Well we are not the type of people that have an extra $600 in our account so my car payment is going to bounce!!! They had NO apologies.... they said I must have told them the wrong amount??? I would not make a mistake like that... I know how much I owe!!! My husband is furious!!! After all of the problems we had last year it was ALL I could do to get him to agree to go back this year for my daughter's birthday. A 2 year old begging to see "prin-ess" helped! Now he wants to cancel because of all of this... he says, " it's starting already and we haven't even gotten there!" How can I change his mind??? My son has cried all day long.... I could cry!!! I was so exicted..... all he wants is an "we are sorry for the mistake.... sorry your bills will bounce!" I think I need to write a letter, but does anyone know an actual email that will get to actual Disney People.... instead of the booking people???? Maybe they just don't realize that everyone doesn't have a ton of extra money in there bank accounts?????!!! I am so sad!!!!

This is why I pay with a CC and not a Debit card.

How will canceling make the car payment? Is there anyway to get the money for the car payment and then return the money when you get the refund?

Would you DH be fine with leaving him home? It would save some money.

 

[hrh_disney_queen]

but it is my daughter's birthday, and we could afford the $3000 for the trip... it was my hubby's christmas bonus... ...

People who are judging the OP's financial abilities should go back and read this post. But then again, NOYB!

 

[apnep]

I think I need to write a letter, but does anyone know an actual email that will get to actual Disney People.... instead of the booking people???? Maybe they just don't realize that everyone doesn't have a ton of extra money in there bank accounts?????!!! I am so sad!!!!

No WAY. Get on the phone and demand to speak to a supervisor and tell them the amount you owed and that it is THEIR mistake and they need to fix it ASAP. Tell them they are going to make you default on your bills and that if they don't resolve it then they are going to lose your business. If they can take it out, they can put it back. It might take 3 days but they can do it.

Good luck.

Angela

 

[apnep]

Debit card....
I did call to get the amount credit..... the number from online Disney booking..... they could care less!!! They didn't even say sorry!!!!! I don't understand... I love Disney I have been there a dozen times.... spent ten of thousands of dollars in the last 10 years!!! I don't know who to call or write!!

You can also call your bank then and stop payment. It will cost you like $30 or $40 bucks.

Ang

 

[apnep]

Or save money by leaving him at home and you and your DD have a fun mommy/daughter vaca!

Haha! Too right! My thoughts exactly just before I read your post! Great minds think alike!