Duplicate & triplicate payments to credit card. How?

Nine_Lives

thanks rb10 for being able to move on from this. I'd like to ask others not to waste their own time discussing it (we know what i'm on about here so no need to pretend). Yes i'm aware of the risks, yes i'm aware it "isn't right", so on that note ............... MOVING ON...........

rb10, thanks for the reply. I'll get her to do this then. Just to confirm - the duplicate & triplicate payments are from the banks end - so LTSB in her case. The actual 'charge' itself from the retailer only ever shows up once.

innovate

I am flabbergasted that the mother should be happy with paying more than once for the same bill.

Unless we have only been told part of the story, and the duplicate payments have all been cancelled again.

dalesrider

Nine_Lives wrote: »

rb10, thanks for the reply. I'll get her to do this then. Just to confirm - the duplicate & triplicate payments are from the banks end - so LTSB in her case. The actual 'charge' itself from the retailer only ever shows up once.

So who is making the payments?
Your mother? You? Someone else?

Perhaps you are all doing it thinking no one else has.

Its either that or who ever is doing it is clicking the submit button more than once.

Perhaps better to wait and total the monies owed by each party using the card a week before the payment is due.

innovate

Nine_Lives wrote: »

I never said the cashback increased (if i did then i worded it wrong).

I thought you did

Nine_Lives wrote: »

........ email from Santander saying i had £xxx worth of cashback that i had earned, so in my online account when it says -£xxx (note the minus symbol there ..............

Every time money gets sent TO the card, it goes more & more into the minus.

There- you just did say it again!

noh

Nine_Lives wrote: »

....................
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So i'm sorry if this upsets you. If so then feel free to not enter the thread again.

A response to the matter at hand would be greatly appreciated though.

It doesn't upset me.
I'm incredulous that someone has such a blatant disregard for the security of their accounts and the T+Cs they agreed to.

As to your question. From what you have written it is not clear what the alleged problem actually is.

innovate

dalesrider wrote: »

Yes. Retailer do duplicate payments. But it is very rare and is usually rectified by them in a couple of days.

AHA - - I think you have brought some clarity into it.

The mysterious 'payments' aren't payments from the mother's bank account, for settlement of the bill she incurred on the credit card.

They are duplicates from retailers, that as you say get rectified.

Santander obviously credit cashback for each debit (to the card) from a retailer, but don't remove the cashback when the transaction gets cancelled.

That's all. Who uses the card, who does online banking for what in the family etc is completely irrelevant.

If I were Nine_Lives, I'd just kept schtumm and kept collecting the extra cashback. But as it is, someone from Santander will by now have read this thread and told their programmers to close that loophole.

Nine_Lives

innovate wrote: »

I am flabbergasted that the mother should be happy with paying more than once for the same bill.

Unless we have only been told part of the story, and the duplicate payments have all been cancelled again.

I can't win. I don't give much information - you complain saying you don't have enough.
I give a lot of information - you complain & say i'm giving information that isn't required.

What am i to do? Guess what you want to know & what you don't?

Going off this thread, that would be all irrelevant information you'd like to know & all the relevant information i should keep to myself.

I am flabbergasted that the mother should be happy with paying more than once for the same bill.

I can't even be bothered going in depth on this one, other than to say - please tell me where i say she is happy with it. Please tell me where i say the money wasn't returned to her once it was discovered (& just because that wasn't put (it didn't need to be btw) doesn't mean it didn't happen)

dalesrider wrote: »

So who is making the payments?
Your mother? You? Someone else?

You can't have read my post very well. Probably due to sticking on irrelevant points.

Perhaps you are all doing it thinking no one else has.

No. Again you musn't be reading the post very well.

Its either that or who ever is doing it is clicking the submit button more than once.

I can assure you it's only being clicked once. You enter the password & click submit - once. I can guarantee it was clicked - only once per payment.

Perhaps better to wait and total the monies owed by each party using the card a week before the payment is due.

Nope. I've been able to easily track what has been overpaid & by who.

innovate wrote: »

I thought you did

There- you just did say it again!

I can only imagine it was your rush to try & be smart that has tripped you up. You'll probably catch me out & if you do it's not the end of the world, but don't make things up.

Look at the quote you used - i said Santander emailed me saying i'd built up an amount of cashback, which they did, in December.
If i don't spend, then i don't make/get any cashback, and so the balance stays at £0.00 (let's ignore the £24per year fee before you want to get REALLY picky, as i'm trying to make this very simple for you to understand).
The card gets used, it gets paid off on the days it's used, so it constantly has a £0.00 balance.
Month 1 passes by - i get let's say £10 cashback. My balance now reads -£10.00 (minus ten pounds) - so i'm £10 in credit. This continues. I spend, i pay off, the balance reads -£10, another £10 cashback earned at the end of month 2 so the balance is now -£20.
So you get to december with -£110.

However, if every month you overpaid (i.e. sent double payments) by £10, then at the end of month 1 the balance would actually read -£20, at the end of month 2 it'd read -£30 and so on.

Which is exactly what i said - the more you send to the card, the more it (the balance) goes into the minus.

What's incorrect about that? Nothing. It's what happens.

noh wrote: »

From what you have written it is not clear what the alleged problem actually is.

That can't be so.

rb10 seems to understand quite clearly what the problem is with their 2nd post.
I can only imagine you don't find it clear as you can't see beyond challenging things that aren't relevant to the problem.

innovate wrote: »

They are duplicates from retailers, that as you say get rectified.

There's a post #12 in this thread. It seems with the above you chose to ignore it. Probably while searching for something irrelevant to comment on.

extra cashback.

Insert rolleyes smiley which MSE doesn't seem to have.

rb10

Nine_Lives wrote: »

You can't have read my post very well. Probably due to sticking on irrelevant points.

No. Again you musn't be reading the post very well.

There's possibly a reason why he 'didn't read the post very well'.

Perhaps because it is in no way clear from reading the post what has actually happened?

The one bit that is clear is that you have complete disregard for the security of your mothers' money. Just don't complain if the bank refuse any future fraud claims from her accounts.

Nine_Lives wrote: »

rb10 seems to understand quite clearly what the problem is with their 2nd post.

No, I still don't really have a clue what's going on here. The amount of cashback is apparently an issue; I have no idea why.

I just took a lucky guess!

And ultimately, if LTSB have made a payment twice then its their problem.

innovate

Hands up who, apart from Nine_Lives, actually understands what happened and what the question is?

dalesrider

innovate wrote: »

Hands up who, apart from Nine_Lives, actually understands what happened and what the question is?

:T

Not me thats for sure....

My best guess for what its worth (bet the OP says I'm not reading right :cool:)

Is that mum is spending using his card. Mum then goes home and login to internet banking and transfers said amount over.
But that some of these transfers are duplicated....

Hence my question as to who was actually doing this as OP said several people access IB. Note to OP read the replies....

I can assure you it's only being clicked once. You enter the password & click submit - once. I can guarantee it was clicked - only once per payment.

So if it is not you doing it how can you be certain. That refresh has not been clicked, or submit more than once, in error?


As a aside Op. On a credit card when you spend it goes into - (minus) when you pay it off in full you have a zero balance. If they add cash back that would give you a + (positive) balance.

As such could you not use this cashback as part payment off the next month ? Or is it a totally seperate thing. ( do not have a 123 acc)

Nine lives what we need is the info spelling out in a clear manner....

You should never of stated that other people use your card as people such as me who deal with fraud on a daily basis... Really go off on one at people that are that silly to believe that it wont effect them.
What if you mother lost the card, or had her purse stolen just after using hte card in a shop. The fraudster then goes to a ATM and takes cash....
Do you really want to leave not only yourself, but also put a trusted person in a position such as that. All for the sake of a few quid...