credit card

Tixy

can u tell me when I buy with a credit card/debit card if I am not happywith goods etc,the money is put back no the cards.

is that a question its quite difficult to read your posts with no punctuation in them do you mean if you return the goods etc to the store and they are happy to give you a refund or do you mean if you make a claim under section 75 or a visa chargeback i dont know why santander were happy to give you a credit card they must have been happy with your application

tvllh

tixy have used visa on internet to purchase goods, etc. did not have goods so money paid back to my account. e.g. Halfords took over payment for MOT difference was paid back onto my visa. So why could Swift Cover not re-imburse the cancelled insurance amount onto the Asda card, or in my case where the credit card was cancelled surely they should have been able to issue cheque payment.

Tixy

If they accept they took the money incorrectly then they should have refunded you somehow.

If they could not reverse the original transaction then they should have sent you a payment by alternative means (cheque or possibly credit to your bank account if you agreed and provided them with the details).

If swift did not reimburse you at all then what did they say when you chased them for this and wrote to complain about it?

[Deleted User]

Tixy wrote: »

<Tixy keeps trying>

#patienceofasaint

tvllh

tixy was it not down to Asda (who had cancelled the card due to incorrect pin number entry) and Swift Cover (who insisted they could not re-imburse the amount)? Why should I have had to keep pursuing the query when it was beteween the two companies. At the end of the day Swift Cover were incorrect in proceeding with the renewal when I informed them NOT to renew the policy, a very unprofessional way of operation, but they have just ignored the situation.

Tixy

It doesn't sound to me that Asda did anything wrong.

Swiftcover clearly did make a mistake and I think you have said that they admitted that. If they were unable to reverse the card transaction (which may well be the case on an inactive account or if too long had passed by the time you brought the issue to their attention) then they should have paid you another way.

If they did not then you should have chased them up about that at the time, if necessary even going as far as to take court action against them.

You still remain liable for the debt to Asda and any interest & charges incurred on it.
Ideally you would have claimed those costs back from swift due to their initial mistake.

Whilst the intital mistake was not yours you handled this badly.

tvllh

tixy further to your comments re-iterating our previous conversation if as u say Asda are not at fault how were Swift Cover able to take unconsented payment from a credit card cancelled by ASDA of which I could not use. A s I see it ASDA are at fault as I, the credit card owner could not use it, BUT another company could, even though they had been informed renewal was not required

Tixy

If you couldn't use the card because you had entered an incorrect pin that doesn't mean the card account was closed.

Even if the account was closed they are often reactivated by a recurring payment and you did not specifically contact asda to cancel the CPA.
It might be worth you reading this so you understand it better- http://www.moneysavingexpert.com/banking/recurring-paymentshttp://www.moneysavingexpert.com/banking/recurring-payments

Effectively what happened is the previous year you would have agreed to let swift automatically charge your card. That may have been verbal, it could have been ticking/not ticking the correct box on a website or application form.
They made an error in actually taking the payment if you had already informed them you did not want cover for the second year, but asda could not have known that you had informed swift you did not want to buy their insurance.

So Asda did not act incorrectly and you remain liable for the balance on the card.

tvllh

tixy sorry to disagree, but whoever u are working for I totally think u are very biased. I keep repeating myself that if a credit card is cancelled due to my incorrect input of pin number, I still think that the card was INVALID. I stress that I did inform SWIFT cover that I was not renewing the policy, hence the mis incorrect deduction of payment. Asda are definitely at fault (i.e. they are part of Santander) so unless you can advise me of an appropriate procedure, I suggest I seek advise elsewhere.

[Deleted User]

tvllh wrote: »

tixy sorry to disagree, but whoever u are working for I totally think u are very biased. I keep repeating myself that if a credit card is cancelled due to my incorrect input of pin number, I still think that the card was INVALID.

It really doesn't matter what you think, as that is not how credit cards and CPAs work. Swift Cover may have made a mistake in taking the money if you had cancelled but ASDA did not.

By all means seek advice elsewhere, but it will not change the procedures.