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[crostorfer]

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

I second this idea! LOL

Also, you don't owe anyone an explanation of how you want to spend your money. If you want to spend all of your money on a Disney vacation, that is totally up to you and you don't deserve people looking down their noses and judging you. Sorry for the flames. Good luck to you!

 

[wtccheermom]

For what is worth about a month ago Disney owed me my room deposit back because we switched form a room only to a package and it was very quick. I made the changes on a Sunday and I just checked my bank account to see and the money was credited back by Tuesday. So hopefully that will be the same for you!!!

 

[pearlieq]

no I suppose I could transfer the $$ in so that the payment doesn't bounce, but that isn't the point

Why wouldn't you do that? I'm sure bouncing payments results in fees, and if you could avoid that by temporarily transfering money, why wouldn't you?

I hope it gets worked out for you, one way or the other.

 

[maxiesmom]

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.

That is exactly what I was thinking.

In addition, what will his attitude be if anything is not perfect during your vacation? Will he get really angry and let it ruin his vacation? If your husband is already looking to cancel the trip, I'm afraid if the least little thing goes wrong , he will be a very unhappy camper, and you will wish you had stayed home and saved the money.

It always seems that when you expect everything to be perfect that something will go wrong. If your hubby is already upset, than I fear you will not have an enjoyable vacation.

 

[Ms. Belle]

I'm sorry this happened to you. I wouldn't make me want to cancel, but it would make me mad!

Secondly, I don't understand why people have to bring up her savings or whether or not she has the money to go; it's none of your business! The point is that Disney took money from her account that isn't theirs; they should replace it immediately.

 

[rysmomma242]

Thanks everyone! I called the bank today, no worries about the overdrafting of the car payment I apparently have overdraft protection..... Thank goodness. Called Disney to inquire about my hubby's ridiculous need for a free upgrade, but although they were really sweet and the girl said she would note our account about all of this trouble, there was no way that they could upgrade us. She said perhaps I will get some pixie dust at the resort because of her notes. I also have thought that I should just leave the hubby home, but it was HIS bonus check that paid for the trip, so he deserves to "try" to enjoy it. Hopefully the thought of losing $200 if we cancel will get him on the plane!!!! You guys are all great!! I am so happy that found the app on my phone for DIS!! So if anyone wants to send me good thoughts for some MAJOR pixie dust in May feel free!!! Fingers crossed that DH doesn't give up on Disney.

 

[tinkarooni]

No advice to OP, It looks like you got everything squared away.

Just a note to folks who assume that just because her account could be overdrafted she can't afford the trip. I don't know if she can or can't, not really my business, however I will say that sometimes I sometimes cut my checking account close. In order for me to transfer money it could take 3-4 business days from my online accounts. I since have solved that problem with a new savings account in the same bank as checking and setting up overdraft protection through it, but the interest is so lousy that I really only did this to avoid what OP is going through right now, and I only keep the minimum in there anyways. Just for this type of emergency. So I could see how a person could be in danger of overdraft if $600 were taken out of their checking account unexpectedly. Just FYI.

 

[richmond282]

Have you tried calling your bank? Disney charged more than you authorized. The bank should be able to tell you what to do.

 

[Jitzy]

No advice to OP, It looks like you got everything squared away.

Just a note to folks who assume that just because her account could be overdrafted she can't afford the trip. I don't know if she can or can't, not really my business, however I will say that sometimes I sometimes cut my checking account close. In order for me to transfer money it could take 3-4 business days from my online accounts. I since have solved that problem with a new savings account in the same bank as checking and setting up overdraft protection through it, but the interest is so lousy that I really only did this to avoid what OP is going through right now, and I only keep the minimum in there anyways. Just for this type of emergency. So I could see how a person could be in danger of overdraft if $600 were taken out of their checking account unexpectedly. Just FYI.

We cut our checking account close every time because of the ridiculously low interest rates. The money we don't plan to spend goes to other accounts. So, just because the money isn't in one account doesn't mean it isn't in another.

 

[smokeyblue]

I had a similar incident when we joined a gym about 6 weeks ago. I had just got back from Disney and my checking was pretty much drained. I paid the first month in cash and set up EFT for the upcoming months. They charged a whole month to my checking account that day! I had a lot of bills that were going to be coming out of my checking in the next week and it was going to be dangerously close to overdraft. The gym fixed it right away, they called my bank and told them it was thier fault if it happened and they gave me the cash to run over to my bank right away.

As for those who are critical of folks who cut things close with their bank accounts I have to say you know nothing of what you speak. My paycheck is deposited in several accounts, my local checking and several split up savings accounts with an on-line bank. I get much more interest moving my money around instead of keeping it in one place. The drawback is that it is harder to get to, but I have other options for emergent situations.

I hope your situation pans out for you. Like someone else said, do you actually have that bonus money sitting around in another account? Could you transfer it to cover just in case? It also is a good suggestion to call your bank and give them a heads up. The bad thing is that some banks will refer you to their fraud agency to take care of a matter like this.

 

[labdogs42]

Thanks everyone! I called the bank today, no worries about the overdrafting of the car payment I apparently have overdraft protection..... Thank goodness. Called Disney to inquire about my hubby's ridiculous need for a free upgrade, but although they were really sweet and the girl said she would note our account about all of this trouble, there was no way that they could upgrade us. She said perhaps I will get some pixie dust at the resort because of her notes. I also have thought that I should just leave the hubby home, but it was HIS bonus check that paid for the trip, so he deserves to "try" to enjoy it. Hopefully the thought of losing $200 if we cancel will get him on the plane!!!! You guys are all great!! I am so happy that found the app on my phone for DIS!! So if anyone wants to send me good thoughts for some MAJOR pixie dust in May feel free!!! Fingers crossed that DH doesn't give up on Disney.

Oh, good. I'm glad it worked out. And if your DH isn't a Disney nut like you are, maybe you could plan some time for him to do non-park stuff on the vacation. Maybe he could go for a round of golf or a drive on the race track, or for a Segway Tour or something. Something a little different and fun just for him and to celebrate his bonus. Maybe that would make him feel a little more involved in the vacation. I know I surprised my DH with a gift certificate for the Segway tour on one of our trips and he loved it!

 

[pixie921]

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....

Really?? I don't see where you're getting either of those ideas. Perhaps you're projecting?

I think his comments simply mean he's anticipating another trip at Disney that he won't enjoy, since they apparently had some bumps during their previous trip.

Why on earth do people need to jump to the conclusion that it's a money issue?

 

[debbiecarr98]

oh, good. I'm glad it worked out. And if your dh isn't a disney nut like you are, maybe you could plan some time for him to do non-park stuff on the vacation. Maybe he could go for a round of golf or a drive on the race track, or for a segway tour or something. Something a little different and fun just for him and to celebrate his bonus. Maybe that would make him feel a little more involved in the vacation. I know i surprised my dh with a gift certificate for the segway tour on one of our trips and he loved it!

great idea!

 

[dclfun]

Sounds like the issue has been resolved, but I'm still wondering how it happened. Did you make the payment over the phone? The only reason I'm asking is that you said you called the phone # you found on the online payments page. If you made the payment online, sounds like there isn't a "pop-up" warning that you were overpaying, and if the payment was made over the phone, I'd think the agent processing the payment should have gotten a similar warning. Otherwise I can see this scenario happening all to often. Meanwhile I agree with everyone who's said it's no one's business as to how anyone affords anything, including a vacation. I don't keep tons of money in my checking account either as I'd prefer it be earning interest somehow so that kind of error would have me worried too. As to your husband's concerns, my husband ( now deceased) tended to be a negative person- always thinking of what could go wrong, focusing on things that weren't perfect, etc. where I have always been the exact opposite- finding the hidden rainbows and the silver linings in every situation including ones that were really rough spots. It's just a difference in ingrained personality types and nothing either of us could change about ourselves. Hopefully your husband will have something good happen that will change his view of things right away. Seeing his daughter enjoying her birthday will at least be a start. Sending pixie dust to you for a really magical vacation. You deserve it!---Kathy

 

[rysmomma242]

Kathy- thanks for the pixie dust. My DH is alot like yours he always expects the worst. I made the payment over the phone and apparently it happens often. DH did a better business check on Disney and the have a D-...... I was surprised but there where alot of complaints about overcharging and refunding. Oh well still no desicion on his part as to canceling. He sent a letter straight to Disney, hopefully they reply.

 

[secretpantssam]

Glad to see it worked out! I would want someone to have to cancel a wonderful trip because of a mistake.

 

[apnep]

: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.... he says, " it's starting already and we haven't even gotten there!"

rysmomma, it sounds like you are much better. But, now I'm curious & only if you want to share...what's the deal with last year's trip?

Ang

 

[DisneyTravelers2008]

It seems I have bad luck like this all the time, too! Lucklly, it has not happened at Disney. I would get on the phone and begin by politley DEMANDING a Supervisor. Just inist that someone helps you with this. Sometimes in cases like this you just have be be pushy. I hope it works out. I would hate to think of cancelling everything b/c of their mistake.

 

[Carl Fredricksen]

Sorry to hear this happened and glad that everything is going to work out.

 

[rysmomma242]

ugh!!! So I thought this was done..... But hubby calls this morning and tells me to call the airline and see what happens if I cancel our tickets!!! We are flying Southwest, so they will just give a a credit that has to be used within a year.... BUT still..... He is nad because he emailed a letter YESTERDAY and they haven't replied yet!! Give them a chance!!! It hasn't even been 24 hours. I am thinking I should just cancel and be done with it. No matter what they do it won't be good enough for him.

It's not even really DisneyWorld's fault, it is the online reservation company.... they are two different companies. I am sure they are noting our account and we are looking like major league complainers... no pixie dust for us!! UGH!!!!!