Advise on error in my favour

mumbles87

Hello everyone, I am a long time user of this site but first time poster so excuse me if I am slow to reply.

I recently purchased an iphone 5 for myself costing £109 and £36pm for 24 months

On purchase my credit card got rejected as they decided buying a phone is clearly fraud? clearly check your calender.. its iphone release date.. so i had to pay by debit card after said company called me to say its been rejected.

Anyways I have 3 lines with this company (a cheap one thats been running years.. my mums fone and this iphone) so today I was expecting my bill to be debited from my account. However It hadnt been taken. I found this odd as they are never late.

Turns out I am currently £85 in credit.. how i wondered? turns out they rather than taking the 109 for the phone have taken it and put it straight onto my account lol a nice error in my favour

What am I suppose to do here? pretend I didnt notice i mean i could easily of not.. I barely log onto that bank.

DUTR

Just keep your eye on the account, as the debit transaction could occur later.
But yes phone purchases do activate the fraud monitors, when I purchased my handset I had a call from my CC company to verify that I was making the purchase, this has occured before with other phone purchases even lower cost landline versions.

mumbles87

DUTR wrote: »

Just keep your eye on the account, as the debit transaction could occur later.
But yes phone purchases do activate the fraud monitors, when I purchased my handset I had a call from my CC company to verify that I was making the purchase, this has occured before with other phone purchases even lower cost landline versions.

I will be keeping a very close eye on the account for the upcoming 24 months lol

Hopefully they wont notice. I mean its all just pennies to a big company like them but to me its the differance between having to dig into my savings to pay my credit card and to not have to.

My credit card are useless sometimes.. they unblocked it then that night it got rejected at dinner with my misses. i was not impressed. gave them what for when i got home

gjchester

You know it's wrong so can't claim you didn't.

Call them and get it sorted out now, otherwise you can guarantee someone will notice and either take the money or block the phone.

mumbles87

gjchester wrote: »

You know it's wrong so can't claim you didn't.

Call them and get it sorted out now, otherwise you can guarantee someone will notice and either take the money or block the phone.

I doubt very much they can block the phone.

The worst they can do is apply to it a future bill.. which in honesty id rather pay £109 in jan than a £109 now

mumbles87

I think best course of action is to watch the bill on 15th october

as with this company i got a feeling they do their accounts different from vodafone who i was with before and the first bill could go "handset cost £109, total bill £168" but im not suppose to notice as they credited me but most people dont check