Problems with New Yorkshire Bank Credit Card

PinkBanana_2

Hi,

I recently took advantage of Yorkshire Banks 0% on balance transfers credit card.

I was accepted and asked for a balance transfer of £700. First statement arrived and I nearly collapsed on the spot when I saw that my balance was £5,780.00; minimum payment being £1,524.50. They had done two unrequested balance transfers of £2,100.00 and £2,800.00 plus the fees and an overlimit fee of £12.00.

I rang customer services panicking and they admitted these transfers had been made in error and should have gone to someone elses card. Apparantly they had had loads of new requests and someone had two screens open on their computer and made a mistake. The lady I spoke to apologised, agreed to refund it all and said my minimum payment should be £21.63. I sent a cheque for £40.00 in plenty of time.

Was woken up this morning by someone calling from collections saying my payment was late. I said I hadn't received a statement to make a payment she said it had been sent. I at first thought it had been lost in the post and asked to pay over the phone which would have been £104.50. I then realised she was referring to the statement I had sent the £40 payment for. I went through the whole mix up with her and she said she couldn't change anything I had to pay. I refused as Yorkshire bank had put £5,059.00 on my card in error and I wasn't paying for it.

Phoned customer services again and someone is calling me back on Monday after 5pm. My next statment should arrive anyday now but I suspect it will still have errors on it.

I actually owe £681.00. This consists of £700 balance transfer and £21.00 transfer fee minus the £40.00 payment already sent.

I would really welcome any advice and how to proceed and how to handle the phone call I will hopefully receive on Monday evening? I have made notes of all phonecalls and names so far.

many, many thanks

Pink banana x

YorkshireBoy

Formalise your complaint immediately. After all, your credit rating is at stake here.

http://www.ybonline.co.uk/contact-us/complaints-procedure-contact-us

You might like to mention their call centre mantra of "when it's important to you, call a bank you can trust"!

PinkBanana_2

Thank you. I got another call from the collections office on Saturday afternoon and they have put everything on hold until i speak to a supervisor on Monday.

This bloke confirmed that they had received my £40 cheque for payment of my first statement (the one which was incorrect) and that my next statement has just been sent out. I have not missed a statement or a payment and the card has not been used at all so neither of us could work out why they are asking for a payment of £104.50?

I will definitley be writing to them after i have spoken to someone tomorrow even if (hopefully) it is sorted. it is so stressfull, time consuming and frustrating talking to these people on the phone when something goes wrong.:mad:

izools

Make sure you check your credit files, too and if there is any adverse information, or any appears at a later date, make sure that your complaint, in writing, includes a demand for this data to be removed, and for compensation that you are fully entitled to to be paid in light of their breach of DPA resulting in defamation of character.