Not My Fault (For a change..)

SpeedyBoots

Hiya folks,

Noticed some very odd issues with my accounts of late. I set up a standing order with Barclays in September to pay some money into my Cashplus Credit Builder. First payment was made by myself for the initial opening of the cashplus account, no problems.

Then I used the Halifax Switch Service and had everything moved across as it should. Now I today was alerted to a late payment (not sure if this is a default?) on my credit report and logged on to investigate to find "missed/late payment to Cashplus" etc.

I matched this up against the Halifax account which showed amounts going out every month to cashplus as normal, but upon investigating the sort code and account number was completely wrong?!

I get onto cashplus who confirm they have had no money, I get onto Halifax who open an investigation and initially tell me it's their error and they will refund me the missed payments and a little bit extra for my inconvenience.

After a further call from them denying any fault, I explained to them that their member of staff informed me otherwise etc. Complaint was opened and the investigator spoke to the initial advisor and stated that I had infact been promised the money back and a bit extra so he would honour it, even though Halifax isn't at fault.......very kind but I tend to think if they were not at fault, they would worm out of giving me the money?

Halifax state that the incorrect details they had for my standing order were given to them by Barclays upon the switch, and blame them.

Now I have spoken to and emailed cashplus who cannot promise to remove the late payment/default......I mean I have ofcourse paid the balance to them this evening to clear that up but I'm still left with a default possibly.

Is this a case of writing all of this to Barclays? Will it do any good? Can they infact get a default removed from my report?

SB

happy_bunny_2

It will be a late payment marker, not a default.

If it previously worked from your old account, then how can it be your fault if you used a switching service?

I would ask Halifax if this is their final response to your complaint, and if it is, refer to the FOS and let Halifax know you are doing so. Do everything in writing, that way you have evidence of what they say.

If you talk to cashplus, I'm sure they will remove it if it turns out to be a banks error, but worth confirming.

Only other quicker option I can think of, would be to ask Barclays to give you the So details and see if they are good or not. Then decide if to forward the info to Halifax.

SpeedyBoots

I mean, they have promised to pay me the 3 x £30 standing orders ontop of a £40 good will gesture, would they do this if they were not at fault and it wasn't a bank error on their part?

happy_bunny_2

Banks rarely admit fault.

If your credit report is the important thing, then refer to FOS