Legally, if someone causes another to incur costs or losses because of the first one's intentional (i.e. deliberate) or negligent (i.e. careless) bad act, the first person is liable or reponsible for those costs. In this case, the employer has an obligation to pay you on payday; if the employer fails to do so and you incur overdraft, etc. costs, the employer should be liable. Of course, to recover those fees, you'd have to sue your employer, which could cost more than you recover, though small claims court is an option.As to rate of pay: you need to be paid as per contractual agreements (including oral ones) as to the pay scale and/or as per law. If you were not paid the rate you should have been, you could take action. You could sue for the difference (in which case you could also sue for the overdraft); you might also be able for this to bring a complaint to the labor department (and it may at least be worth calling them to inquire).