Money Sent by BACS Sent Back & Charged

thmb2000

Hi Guys,

I sent a payment for my Wolves Credit Card (run by Sygma Bank) through my online banking by BACS. I used the sort code and a/c number on the giro slip at the bottom of my statement, and entered my cc number as the reference - as with all credit card payments.

Anyway, I checked a day or so ago to see the money had been returned to my current account, and I had been charged a default fee on the CC.

I only resorted to using BACS because Sygma's unbelievably bad online service doesn't seem to accept card payments, and hasn't for months (it just comes back with errors).

Do I have much grounds for appealing the default charge?

Thanks

Premier_2

What was the reason given for the return of the payment? Why was it refused by the recipient's bank?

thmb2000

Premier wrote: »

What was the reason given for the return of the payment? Why was it refused by the recipient's bank?

On my OB it just shows a credit of the amount I sent, from Sygma Bank. I'll ring my bank and ask if a reason was sent alongside it.

natweststaffmember

thmb2000 wrote: »

On my OB it just shows a credit of the amount I sent, from Sygma Bank. I'll ring my bank and ask if a reason was sent alongside it.

Have you double checked the bank of the giro to see if there is a different account number you need to send a payment if you are sending it online?
DId you type in the CC number correctly?

It would have been sent back by them because the details given were incorrect.
I would reclaim the charge back though