capital one payment

methusala_2

Word to the wise guys.
A red announcement on the capitall one site says they are currently unable to accept debit card payments and to read your T%C's for alternative payment methods.
This could cause grief for those like me that dont use DD but pay each month on line especialy those that dont get paper statements.
Alternative is only BACS as cheques can take as long as 10 days to clear to your account.
No idea if this is a short term thing or what.

LilacPixie

I noticed that tonight when i loged on to clear my balance. I pay min by DD then clear the rest with my debit card on pay day. Not the best its totally muked up my system for this month. I can't find my silly card reader thing to set up a bacs payment from my current account provider online either.

louiser123

hi,
i have had a bad experience with this one on sunday, i payed mine with debit card as i always do online the warning wasnt there then, once i had done it i got a message unable to process at the moment try later, so i did. tried again same message. on checking online with my bank the two payments had infact been debited from my debit card so i payed twice and cap 1 say they havnt got it. i do have the proof in black and white the payment and where it has gone capital one (europe), same place it always goes!! anyway im in a wrangle with them now over this and have told them straight i am not paying anymore, and i will contest any late payment fees, overlimit charges ect if this isnt sorted. i am not happy with cap1 at the moment and may cancel the card in the end.

clio

I sent them a message and the reply was.

" we are aware of the issue with payments and it will be fixed in the near future.please be aware that we will still apply late payment fee of £12 if you do not make payment on time. we can do this because we have alternative ways of paying your account. please note it takes 5 days to clear the payment into your account."
bloody taking the pi.ss i think. there system go,s down and we suffer if we don't run around like blue ars.ed flies to sort their problem out.

louiser123

clio wrote: »

I sent them a message and the reply was.

" we are aware of the issue with payments and it will be fixed in the near future.please be aware that we will still apply late payment fee of £12 if you do not make payment on time. we can do this because we have alternative ways of paying your account. please note it takes 5 days to clear the payment into your account."
bloody taking the pi.ss i think. there system go,s down and we suffer if we don't run around like blue ars.ed flies to sort their problem out.

here here!!! they can charge me all they like but i wont pay it!! they have my two payments when it should have only been one and i have the proof they have it too!!! total w****rs!

clio

Think you will be ok Louiser, i,m fine my self as my PDD is not till 17th Oct but they muck up and because of that people who use the online payment option and don't check it,s working before hand will get nabbed with late fee.

louiser123

we should start a revolt!! chain ourselfs to the cap 1 building!!! lol

F_T_Buyer

I paid my card by debit card on Monday night. I was trying Sunday too but had the same error message.

Checked my current account Tuesday morning and 11, yes eleven, payments had been taken out. My current account has never seen such a big minus number, especially with all my normal payments going out today as it's the first day of the month!

Halifax were kind enough to up my overdraft to cover all of this (I didn't think they would do this due to the huge amount and they're up s*** creek) - so I'll only be charged interest (I never go into the red in my current account).

Capital One gave me me a fax number to send my current account statement to: 0115 843 3652.

The first phone call Tuesday about 6am the Indian chap said wait two-three days and call back. Then online I saw the message saying no debit card payments; causing me to ring back. The second gave me a fax number that was wrong (or I miss heard more likely). After the third phone call I faxed the documents and a covering letter.

I'll let you know how I get on... However I expect compensation for this.

F_T_Buyer

To be fair to Capital One you can pay from your current account online thing:

Standing orders, telephone & internet banking
If your bank offers a standing order service, telephone or internet banking, the Capital One bank account details to use are: Bank account number 81077082 sort code 40-02-50. Please contact your bank by either going into one of their branches, by phone or through your online account. Please quote the 16 digit number on your Capital One credit card, with no spaces or dashes, as a reference. This will ensure your payment reaches your account as quickly as possible. Please allow 5 working days for processing.

So basically send money to the above account using your credit card number as a reference. I will be doing it this way from now onwards.

F_T_Buyer

Does anybody have a phone number for Capital One which isn't there stupid foreign call centre? Preferably in this country with some authority.


Secondly, does anyone know what compensation we would be entitled too? I would want more than the costs on my bank account.. I will probably send an invoice for 10x fee unauthorised plus interest... Just like they do to us poor mortals.

louiser123

omg, 11 payments!! its abomnable really i sent secure messages through the website and got a reply today saying they can confirm they have the payments but it can take 5 working days to show online on the account!! funny it takes 1 minute to actually have it deducted from my account!!! i would go for compensation def!! and i know what you mean about the forein centres however the replies to my messages were in very good english so im presuming they hit a centre in uk! but can never be sure!! i cant find another number at all apart from lost/stolen number maybe ring that and they may put you through to a dept in uk, worth a shot. good luck