Hi John. Cannot agree more, it is not recommended to send more money than your tier limits allow :( I am very sorry for this issue but we have no way to know in advance what will be your balance on the day the payment arrives so we cannot forbid sending any amount.
As for the T3 upgrade, it is incredibly long time, and I am so sorry for this. We are now trying to find out what happened. I apologize for the inconvenience. You will definitely get your money as soon as we fix the issue with the upgrade.