Tesco Mastercard

shingers

Tesco recently changed their sort code and account details and sent out a letter advising as to the change. I changed the payment details at my First Direct account but missed out 1 digit from the card number as a reference causing the payment to be returned. When I noticed I rang Tesco Bank as I was 1 day late and they are charging me £46 interest and late payment fee which they refuse to waive . I think this is ridiculous as I always pay in full and on time. Has anybody had a similar issue ???

grumbler

So, they did receive the payment on time, but were unable to credit it to your account? If so, I'd rise a formal complaint.

That said, pay by a DD if you want to shift the responsibility to the other party. Otherwise the onus lies on you to make sure that you pay on time. You can ask them for a goodwill, but you are not in a position to demand anything just because you are a good customer.

And next time, if possible, use copy&paste when you deal with long and sensitive numbers.

taffj

As it was a letter not an email, would scanning the letter to a file and then do a copy and paste work?

sfax

+1 to copy and paste (or DD). You already had your correct account number on the old payment reference to put on your clipboard. Expensive mistake

Hominu

grumbler wrote: »

So, they did receive the payment on time, but were unable to credit it to your account? If so, I'd rise a formal complaint.

A complaint will be no good. As far as Tesco are concerned, no payment was made to that account. Payment was however made to an account that doesn't exist, so the payment was returned. They can't assume it was meant for another account as the reference was wrong.

It's an expensive mistake for sure, but one you can't do anything about. DDs are always safer!

sfax

Still worth complaining in writing as nothing more than the price of a stamp and 10 mins of your time to lose and £50+ to gain. When you called you spoke to the monkey not the organ grinder

grumbler

Hominu wrote: »

...so the payment was returned. ...

Is it a fact?

shingers

The payment was returned the same day. It was sent to the right account, right sort code but the card number used as a reference was missing a digit. My fault I know but I was looking for a goodwill gesture from them as I always pay in full. I will make a formal complaint as it is certainly worth the effort. Tesco Bank have always been pretty good up till now and I was wondering if they are getting lots of similar issues with customers making mistakes changing payment details similar to me and have introduced a policy recently of not letting anyone off.

jellie

I also bank with First Direct.

I have a dd set up to make the minimum payment to my Tesco credit card, and then I manually pay the rest. I found that because of the dd, FD did all the work for me in changing the sortcode and account details.

Take the previous posters' recommendations to set up a dd for the minimum amount at least. Your statement will still tell you when the dd is going to be taken, and for how much.

It would be worth asking Tesco for a goodwill gesture, but they don't have to refund the charges as it's not their fault. Plus if you always pay in full, they're not making any money out of you so might just take this opportunity to do so.

pb3

jellie wrote: »

I also bank with First Direct.

It would be worth asking Tesco for a goodwill gesture, but they don't have to refund the charges as it's not their fault.

Well they were the ones who changed their sort code and account number. So you can argue that their actions indirectly led to the OP's mistake....

Hominu

pb3 wrote: »

Well they were the ones who changed their sort code and account number. So you can argue that their actions indirectly led to the OP's mistake....

But they informed the OP of the new numbers in plenty of time - it was the OP who mis-interpreted that information and typed the numbers in wrong.

Likewise, if you rang up the bank to change the number and they typed it wrong, would you expect them to blame the customer for asking for the change?