Credit card problem - help!

mattheman · 12 Sep 2009 at 21:35

jaxon said:
They told me that no error has been made by my bank or on their part as it is their procedure to commence a DD of an amount specified by their statement

As I see it the statement should have read £0 as the balance was paid off two weeks before the necessary date?

when did you get the statement before of after you paid?

mattheman · 12 Sep 2009 at 21:37

Burnsy2023 said:
No. The amount it the total of the purchases before the end of the month, regardless of other transfers.

ive had DD were i paid a week before and the money was credit to my account and the DD didnt take anything from my account.

Lakeland · 12 Sep 2009 at 21:39

mattheman said:
when did you get the statement before of after you paid?

I got the statement afterwards. I assumed it was an automated statement. I suppose that is where my error was, I should have contacted them to make sure they knew I had covered the balance.

I'll see if there is anything they can do about recovering the bank charges, thanks for the info

Apopcalyptic · 12 Sep 2009 at 21:40

mattheman said:
" It also protects customers should an incorrect amount be debited"

Well that's crap in and of itself. My wife had direct debit of £75,000 paid out instead of £75 a couple of weeks back. The bank didn't even query it.

mattheman · 12 Sep 2009 at 21:41

jaxon said:
I got the statement afterwards. I assumed it was an automated statement. I suppose that is where my error was, I should have contacted them to make sure they knew I had covered the balance.

I'll see if there is anything they can do about recovering the bank charges, thanks for the info

So if you paid it before you got the statement it should be a credit, you do have too argue your case.

mattheman · 12 Sep 2009 at 21:42

Apopcalyptic said:
Well that's crap in and of itself. My wife had direct debit of £75,000 paid out instead of £75 a couple of weeks back. The bank didn't even query it.

I hate DD worse thing ever, it almost design to hump you.

Burnsy2023 · 12 Sep 2009 at 21:44

Apopcalyptic said:
Well that's crap in and of itself. My wife had direct debit of £75,000 paid out instead of £75 a couple of weeks back. The bank didn't even query it.

No, but they should put everything right free of charge and quickly.

mattheman · 12 Sep 2009 at 21:46

http://www.plebble.com/advice-centr...es-addresses-and-complaints-procedures/14.php

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR

Telephone: 08450 80 18 00*
Email: [email protected]
Website: www.financial-ombudsman.org.uk

Apopcalyptic · 12 Sep 2009 at 21:49

Burnsy2023 said:
No, but they should put everything right free of charge and quickly.

They put things right, but only after my wife spent an hour in the branch. The call centre was excessively useless.

mattheman · 12 Sep 2009 at 21:52

When they mess up the DD i make money of both sides, i wait a while ask them to post me my statment then i send the statement to the company asking them to pay the charges and then i call my bank to complain about the charges i then get a refund, hence make nice £35.

Dolph · 12 Sep 2009 at 22:03

mattheman said:
http://www.plebble.com/advice-centr...es-addresses-and-complaints-procedures/14.php

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
LONDON
E14 9SR

Telephone: 08450 80 18 00*
Email: [email protected]
Website: www.financial-ombudsman.org.uk

Why should he complain about the bank when the mistake is his?

Dolph · 12 Sep 2009 at 22:04

mattheman said:
When they mess up the DD i make money of both sides, i wait a while ask them to post me my statment then i send the statement to the company asking them to pay the charges and then i call my bank to complain about the charges i then get a refund, hence make nice £35.

Such a fine, upstanding and honest individual. First to complain if you think you're hard done by but happy to defraud companies...

mattheman · 12 Sep 2009 at 22:06

Dolph said:
Such a fine, upstanding and honest individual. First to complain if you think you're hard done by but happy to defraud companies...

Its no defraud companies, i see it as payment for my time, for a mistake they made. Why should i do it for free they would charge.

mattheman · 12 Sep 2009 at 22:08

Dolph said:
Why should he complain about the bank when the mistake is his?

the bank or credit company can cancel the DD if given suitable time, 2 weeks is suitable.

Dolph · 12 Sep 2009 at 22:08

mattheman said:
Its no defraud companies, i see it as payment for my time.

And I see you as the sort of person that makes companies tighten up their rules causing inconvenience to honest people because of credit/process abuse.

Dolph · 12 Sep 2009 at 22:09

mattheman said:
the bank or credit company can cancel the DD if given suitable time, 2 weeks is suitable.

Only if they know in time. In this case, the OP made a mistake, did not realise it, and came a cropper. This is in no way the banks fault, or something that the bank could have predicted.

mattheman · 12 Sep 2009 at 22:10

Dolph said:
And I see you as the sort of person that makes companies tighten up their rules causing inconvenience to honest people because of credit/process abuse.

Well not my problem is it, this is the typical responce from others i'll use it as mine.

mattheman · 12 Sep 2009 at 22:11

Dolph said:
Only if they know in time. In this case, the OP made a mistake, did not realise it, and came a cropper. This is in no way the banks fault, or something that the bank could have predicted.

no but the credit card company had 2 weeks to alter it.

Dolph · 12 Sep 2009 at 22:12

mattheman said:
Well not my problem is it, this is the typical responce from others i'll use it as mine.

Typically selfish, lack of responsibility, it doesn't matter if my demands impact others attitude. You'd make a good labour voter with thought processes like that.

Dolph · 12 Sep 2009 at 22:14

mattheman said:
no but the credit card company had 2 weeks to alter it.

Why would they? They communicated the process clearly to the customer. The customer misinterpreted the clear instructions.

For all the company knows, he might have paid off the grand because he had another big CC purchase to make.

It is not the company's responsibility to assume or second guess the behaviour of their customers, only to manage the terms of the contract, it is the personal responsibility of the customer to check the consequences their behaviour could have.