Internet Banking Credit Card Payment Returned

danjourno

Hi,

I've got an unusual one.

On the 9th February, I made an Internet Banking payment to my credit card of £271.10.

Yesterday, I received my credit card bill, and found that the money had been received, but was then returned on the 24th February.

I contacted my bank and they told me that they have no record of the payment ever being made. I only have one account so its impossible that I got the accounts mixed up.

Now my credit card company is putting a mark on my credit report, and charging me £12 for not paying my bill.

My bank are telling me there is nothing they can do as they have no record of the payment. They told me that I didnt press Confirm on the payment page, even though my credit card company received the payment originally.

I believe there was a technical fault with internet banking, and the payment got sent out of someone elses account and when the bank discovered this, they reversed the payment.

But I cant prove anything, and now i'm left with both companies saying they cant do anything, a mark on my credit report, and £12 out of pocket. Plus the lost time.

Any ideas what i should do now?

Frustrated....
Dan

YorkshireBoy

Your bank has a complaints procedure. Use it.

But first, gather some evidence. Ask the credit card provider where the original payment was from, and get a reply in writing.