The AA credit card - payment won't complete

stormCat99

Hi,

Wondering if anyone has had this issue. I have a 0% credit card with The AA, and it is due to be paid in full.

Rang the AA customer services number today to pay it off, as this is how I would usually make a one off end of 0% payment. However they strangely don't take payments over the phone, and said I would need to pay via my bank.

So I rang First Direct, they took all the payment details from the back of the statement. However the payment wouldn't go through. First Direct advised that it was a problem with the sort code provided by The AA, and that it was probably to do with the switchover to faster payments.

I've then gone onto The AA credit card online servicing, and tried to pay there. Same problem, any attempts to pay via debit card are failing.

The sort code and account number provided on The AA web site matches what is on my paper statement, so it is the up to date values.

I've run The AA directly, and they were worse than useless. Refused to consider there may be a problem at their end, or to try to help in any way.

Has anyone else had this issue? I have just over £15k to pay off, but due to this faulty sort code I can't seem able to pay

Gromitt

But no doubt it you don't pay, they'll be rubbing their hands together as they calculate the interest !

I made a payment via debit card recently as I changed my DD details and didn't trust them to collect from the new bank in time for the statement, although this was only for the minimum amount, so it was only about £50 (then the DD did work and they took it again, but £50 was cheaper than a possible £12 late payment charge!).

YorkshireBoy

In your position I'd try a £1 test payment from another bank (but obviously not HSBC).

If that works, then route your £15K payment that way instead.

pvt

I believe there is a maximum payment value for FP. Can't remember what it is exactly, but pretty sure it's well below £15k.

SnowTiger

boots_babe wrote: »

Has anyone else had this issue? I have just over £15k to pay off, but due to this faulty sort code I can't seem able to pay

Are you trying to pay the £15,000 off in one go?

This page suggests that First Direct (Part of HSBC) has a limit of £10,000 for Faster Payments.

However, First Direct should have told you if that was the problem.

stormCat99

Yes, the 0% period ends in a week or so, so need to pay off the balance in full.

I will try a smaller payment first, to see if that works.

If that doesn't work I'll try YorkshireBoy's suggestion of trying a different bank with a small payment.

Thanks all.

pvt

Yup

http://www.ukpayments.org.uk/faster_payments_service/value_limits/

HSBC has a £10k maximum.

rb10

pvt wrote: »

I believe there is a maximum payment value for FP. Can't remember what it is exactly, but pretty sure it's well below £15k.

That's correct - First Direct & HSBC have a maximum limit of £10k.

Other banks have higher limits.

stormCat99

Just thought, if there is a £10k limit on faster payments then that's fair enough.

But I didn't specifically ask for a faster payment, just plain old BACS would do, is this no longer available? Which would mean you could never pay over £10k in one go any more (barring CHAPS) which seems odd?

YorkshireBoy

boots_babe wrote: »

But I didn't specifically ask for a faster payment, just plain old BACS would do, is this no longer available?

No.

Which would mean you could never pay over £10k in one go any more (barring CHAPS) which seems odd?

Looks like a £10K payment today then, followed by £5K on Wednesday (the next business day, since the £10K will be dated Tuesday)?

BTW, doesn't look good when FD telephone banking don't know their own FP limits, or can't relay a message if it appeared on their screen!

pvt

SnowTiger wrote: »

Are you trying to pay the £15,000 off in one go?

This page suggests that First Direct (Part of HSBC) has a limit of £10,000 for Faster Payments.

However, First Direct should have told you if that was the problem.

You beat me to it!

It wouldn't surprise me that the staff at FD just don't know this. In a similar situation various staff at my own bank (Halifuxitupagain) told my 4 different maximum value for FPs - and it transpired none of them was actually correct. In my case it was £2,500.

Also the webpage that you and I quoted may well be a maximum for the bank - but the banks concerned may impose lower limits on certain customers.

Boots-Babe, You can do multiple smaller payments on the same day. I've done this and the system seems to allow it. Try £5k first and work down from there if it doesn't work.