Overpaid on a debt!! Help

norathetiger

Hi,

Can anybody help ? Have been paying a old debt by standing order to 1st Credit ltd.Was due to end this month but phoned the company and have over paid them by £200.HAVE ASKED FOR MONEY BACK but they tell me i have to take it up with the bank.I have phoned the bank but they inform me it was sold on to 1st credit and have to take it up with them. 1st credit set up the standing order who is to blame ?

please help

tallyhoh

Was it standing order or direct debit?

norathetiger

Hi
standing order

Miss-Moneypenny_7

I would say 1st Credit Limited should be the ones you need to speak to for a refund (if you are paying direct to them).

If its by direct debit then they will have requested this money in error (so their fault), if its by standing order it would have been your responsibility to cancel the instruction with your bank as they just receive the money (they don't request it).

Either way they received the money so should be able to refund this to you.

Make sure you cancel any standing order/direct debit with your bank so no further payments can be taken.

hope this helps