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Krystal084

Wedding Photography Deposit- Wire Sent Back!

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Hello everyone!

 

I have just begun to plan my wedding in Jamaica at the Iberostar Rose Hall Suites for September 2, 2013 and it already seems like things are going wrong!  I found the most amazing photographer and had to send a sizeable deposit via wire.  I sent the wire transfer on Monday through my bank, and it had not yet been received by the photographers bank as of yesterday (Thursday).

 

I called my banker today and he did some research for me.  Apparently there was an intermediary bank the funds had to go through in NY, and once they sent the money to my photographer's bank, that bank kicked the funds back with the following message:  "Unable to apply credit.  Bank branch requires less".  My banker as well as I am completely bewildered!  And now I am out the $45 it took to SEND the wire, and the $36 the intermediary bank kept for the inconvenience.

 

Has this happened to anyone before?  What should I do?! sad.gif

 

Thanks for your help.

 

Krystal

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I'm not to familiar with wires.  Have you thought about trying a different form of payment.  We paid our deposit and final balance through paypal.  That way if something happens you get everything back that you paid.

Originally Posted by Krystal084 View Post

Hello everyone!

 

I have just begun to plan my wedding in Jamaica at the Iberostar Rose Hall Suites for September 2, 2013 and it already seems like things are going wrong!  I found the most amazing photographer and had to send a sizeable deposit via wire.  I sent the wire transfer on Monday through my bank, and it had not yet been received by the photographers bank as of yesterday (Thursday).

 

I called my banker today and he did some research for me.  Apparently there was an intermediary bank the funds had to go through in NY, and once they sent the money to my photographer's bank, that bank kicked the funds back with the following message:  "Unable to apply credit.  Bank branch requires less".  My banker as well as I am completely bewildered!  And now I am out the $45 it took to SEND the wire, and the $36 the intermediary bank kept for the inconvenience.

 

Has this happened to anyone before?  What should I do?! sad.gif

 

Thanks for your help.

 

Krystal

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Originally Posted by Krystal084 View Post

 

Hello everyone!

 

I have just begun to plan my wedding in Jamaica at the Iberostar Rose Hall Suites for September 2, 2013 and it already seems like things are going wrong!  I found the most amazing photographer and had to send a sizeable deposit via wire.  I sent the wire transfer on Monday through my bank, and it had not yet been received by the photographers bank as of yesterday (Thursday).

 

I called my banker today and he did some research for me.  Apparently there was an intermediary bank the funds had to go through in NY, and once they sent the money to my photographer's bank, that bank kicked the funds back with the following message:  "Unable to apply credit.  Bank branch requires less".  My banker as well as I am completely bewildered!  And now I am out the $45 it took to SEND the wire, and the $36 the intermediary bank kept for the inconvenience.

 

Has this happened to anyone before?  What should I do?! sad.gif

 

Thanks for your help.

 

Krystal

 

Yikes! That's annoying and no fun. I'm getting married in Jamaica too and using Saab. They offered a few forms of payment, one of which was wire, and one was PayPal. I opted to go with PayPal since I use it so often and am comfortable with it. I guess you'll have to contact the photographer again to request an alternate form of payment (but sounds like you'll lose the $81, which sucks). Sorry that happened!!

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