Bank have paid standing order...will it be returned unpaid?

sadken

Hi there fellow moneysavers.
I have recently changed banks from the HSBC to the Halifax (Very happy with it...Visa Electron card..happy days!)

Here's the thing..I forgot to cancel a standing order to my landlord from my old HSBC account for £400 when I switched the month before last.
Last month's S/O was paid and returned the following morning as there were no funds in my old bank and I paid my rent from my new bank no problem.
I still forgot to cancel the S/O and I had an email from my landlord today that I was £15 short on my rent this month. (Rent has recently gone up by this amount but the old S/O was set up for my old rent amount of £400).
I logged on to my old HSBC account and the old S/O for £400 had gone out when I got paid Tuesday last and didn't get returned the next day like the month before.
I have now cancelled the S/O but am wondering why the money was paid, thus taking me £400 O/D with my old bank account which I no longer use.
How long are the banks allowed before returning a S/O or is this just an oversight on HSBC's part and it will be sucked back by them or do I just pay money from my new bank into my old bank to cover it and carry on as normal next month?

Apologies for the length of post and many thanks for any replies.

sadken

***bump***
Could anyone help with this?

CLAPTON

I've never heard of a bank 'returning' a Standing Order.

An SO is an instruction from you to your bank to send money to some else...
If you have sufficient funds then the bank should send it out; if you dont have sufficient funds but have an OD facility then they would send it out... if you dont have an OD facility I guess it depends upon their OD policies.

Not very helpful, but as I say I don't see how the money can be 'returned' in the way you describe.

sadken

CLAPTON wrote: »

I've never heard of a bank 'returning' a Standing Order.

An SO is an instruction from you to your bank to send money to some else...
If you have sufficient funds then the bank should send it out; if you dont have sufficient funds but have an OD facility then they would send it out... if you dont have an OD facility I guess it depends upon their OD policies.

Not very helpful, but as I say I don't see how the money can be 'returned' in the way you describe.

It was just a basic cashpoint card account with no OD facility...do you think it is just an oversight on the bank's part that they have paid it eben though there were no funds available?