How do you get overpayment back which cc company erroneously took!

batbubble

Thanks everyone. I will see what happens on Tuesday when the cc company repays the debit card amount I paid on 13/11. As they said when it gets back to my bank account all I have to do is ring them again and then pay the outstanding balance on the cc at that time. Simples! Forever an optimist it seems quite straightforward I will let you know.......

dtaylor84

noh wrote: »

Whatever the CC company said to you on the phone on the 13th there was no way they could have stopped a DD due on the 16th as that is only 1 working day notice. 5 days is the minimum usually required.

noh wrote: »

True but in this case there has not been an error in the DD

The OP was notified on their CC bill of the amount to be taken on the 16th November by DD. That amount has been taken.

The error was made by the customer services rep in saying (1 working day before collection date) that the DD wouldn't be collected.

A direct debit (mandate) can be cancelled with no notice - if the originator says they will stop a payment (by mistake or otherwise), then for any reason takes that payment anyway, it is their error, and the Direct Debit guarantee applies.

izools

I am absolutely amazed that any bank would refuse to action an indemnity claim on a direct debit. You aren't even at liberty to provide any reason let alone one that fits their criteria!!!

I think you should make a complaint to all levels of your bank regarding this abomination and vote with your feet. If my bank ever refused to action an indemnity claim I'd be in branch opening an account with another bank before I got off the phone!!

noh

dtaylor84 wrote: »

A direct debit (mandate) can be cancelled with no notice - if the originator says they will stop a payment (by mistake or otherwise), then for any reason takes that payment anyway, it is their error, and the Direct Debit guarantee applies.

No don't agree.
No error has been made in the processing of this DD.
The OP was given the required notice of the amount and date of the DD.

One working day before the DD was due someone said it could be cancelled. They were wrong. The payment request had already been made at that point.

dtaylor84

noh wrote: »

No don't agree.
No error has been made in the processing of this DD.
The OP was given the required notice of the amount and date of the DD.

One working day before the DD was due someone said it could be cancelled. They were wrong. The payment request had already been made at that point.

You say there was no error, and they were wrong. They can't both be true.

TFD_2

As far as I'm aware, you can cancel a DD for whatever reason you see fit - it's then between you and the DD instructor, not your bank.

jonesMUFCforever

TFD wrote: »

As far as I'm aware, you can cancel a DD for whatever reason you see fit - it's then between you and the DD instructor, not your bank.

The rules have changed recently - you have to have a valid reason to have an indemnity claim.
In this case the D/D payment is valid - no error by the bank - the mistake is by the OP - and the telephone monkey who advised him to do what he did.
It is up to credit card company to sort it out but IMO does not fall within an indemnity claim.

noh

dtaylor84 wrote: »

You say there was no error, and they were wrong. They can't both be true.

There was no error in the DD processing.

The information given to the op was wrong.