Help - down by £285

james32_uk

If you dont get it sorted, check if you are able to suspend payment to your overdraft for as long the the £285 lasts.

I know it's not much help short term but could turn into a positive for the next few months.

climbgirl

Well, it seems to me that you have two options here:

• either you speak to CCCS and explain the situation. Perhaps your regular payments can be suspended and the £285 counts instead. I don't know, maybe they can do this.
• or you talk to the college about having the payment reversed and either put to another bank account or written out in a cheque

A similar thing happened to me when some refunded concert tickets were refunded to an old work credit card I didn't have access to anymore but which was still open. There was no way to get the transaction reversed, I had to go directly to American Express to get the money. I think you'll have more luck with talking to CCCS, frankly.

HokeyCokey_3

Write a letter to the principal. Explain exactly what you said and were told. Name names if possible. Seriously, the only way to get results nowadays is to go straight to the top.

You'd be surprised the amount of idiots you get working at colleges. I recently was told by some dolly bird that as I was transfering from one course to another, I wouldn't be able to get £8 back (the difference).....then I heard someone standing next to her 'Put it in our christmas kitty'......I was fuming and wrote a letter to the principal, got an apology by return and the money (by cheque even tho I paid by credit card) lol. I know it's not much, but people will try it on.

You were not at fault, they were. Maybe it is policy but that is not what they told you on the phone, and it's their duty to rectify the problem!

Good luck, Cokey x

Millionare

climbgirl wrote:

Well, it seems to me that you have two options here:

• either you speak to CCCS and explain the situation. Perhaps your regular payments can be suspended and the £285 counts instead. I don't know, maybe they can do this.
• or you talk to the college about having the payment reversed and either put to another bank account or written out in a cheque

A similar thing happened to me when some refunded concert tickets were refunded to an old work credit card I didn't have access to anymore but which was still open. There was no way to get the transaction reversed, I had to go directly to American Express to get the money. I think you'll have more luck with talking to CCCS, frankly.

College cannot reverse a payment once its gone out, even banks cannot reverse a payment after the first day or so.

only way is if it bounces back which it wont because account is open and accepts deposits thus the bank can do it now. which i doubt you will get much luck with due to the overdraft situation.

CCCS are your only option really, regarding adjusting payments to take into account the £285.

Millionare

HokeyCokey wrote:

Write a letter to the principal. Explain exactly what you said and were told. Name names if possible. Seriously, the only way to get results nowadays is to go straight to the top.

You'd be surprised the amount of idiots you get working at colleges. I recently was told by some dolly bird that as I was transfering from one course to another, I wouldn't be able to get £8 back (the difference).....then I heard someone standing next to her 'Put it in our christmas kitty'......I was fuming and wrote a letter to the principal, got an apology by return and the money (by cheque even tho I paid by credit card) lol. I know it's not much, but people will try it on.

You were not at fault, they were. Maybe it is policy but that is not what they told you on the phone, and it's their duty to rectify the problem!

Good luck, Cokey x

the problem is the college dont have the money any more. the bank has the money and it is from a account which is being dealt with CCCS.

the college would have to contact the bank to request a return, the bank will ask why, the college will say she wants a refund but as a cheque and the bank will say not in a million years. the money is ours not the account holders.

climbgirl

Millionare wrote:

the problem is the college dont have the money any more. the bank has the money and it is from a account which is being dealt with CCCS.

the college would have to contact the bank to request a return, the bank will ask why, the college will say she wants a refund but as a cheque and the bank will say not in a million years. the money is ours not the account holders.

Thanks Millionare - so the only option then is to see if CCCS can reduce/stop the payments and count the £285 towards the normal overdraft reduction payments.

iceicebaby

The money has to go back to where it was sourced from re money laundering regulations. So the money has to be put back to the card it came from. As to the fact that you were given incorrect advice from the college, then thats another matter.

I would complain to the principal about the member of staff that gave you the incorrect inoformation. But as to getting the money back, They will not be able to reclai this money back from the bank. Was this 285.00 paid to them while the account was overdrawn? If so all thats happened is that has been replaced in the account so putting the overdraft back to how it was before you made the payment. Also If it was paid while the account was overdrawn, then it wasnt actually your money for you to be "down" now (If you see what I mean!)

Broken_hearted

The money is now gone. Yes the college made a mistake by saying a cheque would be sent out but it's too late to do anything about it.

oscar52

To those people who cited Money Laundering Regulations as the reason for money being returned to the original card, I think you will find you are wrong. Firstly, if the account has been closed, and given the person is in a debt managment plan it probably has been, the money will bounce back. secondly, assume that these fees were paind for by credit card, the balance had been trnasferred to a competitor and the card closed down - what then? ask the original company to reopen your account, with the original card numbers so you can gain a refund. (and i have been in this situation)

It is usually policy to refund in the same manner payment was taken - ie cash or credit card, but it isnt mandatory, and besides which debit cards are classed a CASH transaction, and therefore refunds can be given in cash (I have deone this myself)

sashacat

As a recently retired college principal I hope I can clarify the situation Firstly I am sorry that the college misinformed you by telling you that you could have a cheque. You are right to assume that the person who told you this gave you wrong information. The college is a public body and cannot choose what it does in situations like this. It has to have an agreed refund system which is audited both intenally and externally.If you paid from a particular bank account then the money will have to be refunded to that account, same with either credit or debit cards. This account is still open so there was no problem with ,what I suspect, is an automatic operation. If you had written to the principal as soon as you know about the refund then s/he may have been able to do a manual operation, and send a cheque...but s/he may not. There is no point in chasing the college, they have no choice about this method of refund...approach the cccs as soon as you can. Good Luck