livid!

shaun_from_Africa

JReacher1 wrote: »

I'm always wary of a poster who instead of providing a factual argument goes with "100% guarantee". It means nothing.

What do you mean, of course being 100% sure means something!

Labour is "100% confident" of winning a majority, its general election chief has said, as he set out plans for a 60-seat majority at the next election.
MP Tom Watson said the "realistic" plans would include focusing on 106 key marginal seats.

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Azari

JReacher1 wrote: »

I'm always wary of a poster who instead of providing a factual argument goes with "100% guarantee". It means nothing.

It simply means that the person who makes the statement is 100% sure.

Obviously that does not stop them from being wrong.

I've always thought that it would be useful to have a word in English that means 'was certain at the time but proved to be wrong'.

Of course, you make your statement, above, but don't actually provide any evidence or argument that what I said is incorrect.

Do you believe that if you go into a bank branch and make a payment to your credit card account with the payment slip that that would stop the calls 'instantly'?

That was what I was 100% sure wouldn't happen.

If when phoned by an operator you pay the debt over the phone to that person you will not receive another phone call.

Yes, that's exactly what I said.

If the payment is bounced you would receive another call 3-5 days later.

I dare say.

JReacher1

Azari wrote: »

Do you believe that if you go into a bank branch and make a payment to your credit card account with the payment slip that that would stop the calls 'instantly'?

They would stop within five minutes.

Calls are triggered against accounts which are in arrears with no payment transaction against them. As soon as you pay in a branch then you have a payment event marked against your account.

Even if the funds haven't cleared because the system knows a payment has been made no calls will be triggered to that customer (unless the payment bounced).

The only situation where you can receive a phone call despite paying a bill is if you pay be cheque in the post and the cheque hasn't been received yet. Or if the dialler was in the process of dialling your number as you were in a branch paying the debt.

Azari

JReacher1 wrote: »

They would stop within five minutes.

Calls are triggered against accounts which are in arrears with no payment transaction against them. As soon as you pay in a branch then you have a payment event marked against your account.

Even if the funds haven't cleared because the system knows a payment has been made no calls will be triggered to that customer (unless the payment bounced).

The only situation where you can receive a phone call despite paying a bill is if you pay be cheque in the post and the cheque hasn't been received yet. Or if the dialler was in the process of dialling your number as you were in a branch paying the debt.

You are saying that when you make a payment in a branch the bank will instantly create an electronic record of the payment and instantly inform any CC company?

That seems a little hard to believe considering that, even if you pay in cash to your own account, the money does not get to said account until close of business processing has taken place.

Of course, this would not be easy to prove one way or another, but it sounds remarkably unlikely.

Can you provide a link to some evidence of this?

PLog86

Azari wrote: »

You are saying that when you make a payment in a branch the bank will instantly create an electronic record of the payment and instantly inform any CC company?

Can you provide a link to some evidence of this?

I haven't any evidence for this particular type of payment but I was amazed, a few months ago, when a friend transferred some money to me and it arrived in my account within an hour of her making the payment (different bank).

I would be interested to see a link to something that explains the system, now, but in light of my experience I'm quite prepared to believe it's as JReacher says.

JReacher1

Azari wrote: »

You are saying that when you make a payment in a branch the bank will instantly create an electronic record of the payment and instantly inform any CC company?

That seems a little hard to believe considering that, even if you pay in cash to your own account, the money does not get to said account until close of business processing has taken place.

Of course, this would not be easy to prove one way or another, but it sounds remarkably unlikely.

Can you provide a link to some evidence of this?

Yes that is what I am saying.

When you pay cash into your account it is in your account instantly not at the end of the day. You can prove this by paying some cash in and checking your available balance. It will reflect the money you've just paid in (although the transaction won't appear on your statement until the end of the day).

I don't unfortunately have a link to prove this but to be honest I don't really care if you believe me or not .

Azari

JReacher1 wrote: »

I don't unfortunately have a link to prove this ...

But you can 100% guarantee that it's the case?

I think, on balance, I do believe you (whether you care or not) - things have obviously moved on.

pendragon_arther

Azari wrote: »

You are saying that when you make a payment in a branch the bank will instantly create an electronic record of the payment and instantly inform any CC company?

That seems a little hard to believe considering that, even if you pay in cash to your own account, the money does not get to said account until close of business processing has taken place.

Of course, this would not be easy to prove one way or another, but it sounds remarkably unlikely.

Can you provide a link to some evidence of this?

I've done this many times and as already said the money is in your account within an hour or so.

System

I worked in collections (horrid job). If the auto dialler connected to a wrong number - such in the case of the OP, where customer uses a false number to them (OP's number) or moved out, then the Capital One colleague should end the call in a specific way.

At my collections' employer, if a call was to a wrong number, when the call ended, we needed to select 'answered wrong number' and remove the phone number. Then this will stop these calls to that wrong number. Then if the customer has another number on their account, then the dialler will revert to dial that remaining number. If no other numbers, then it would be postal notifications to pay.

I worked in collection 8 years ago. So based on what the OP has said and my experience in collections - CO are not doing their job correctly.

I think some customers when they sign up to a credit card, they put down false phone numbers to prevent them getting contacted when they know they will not bother to pay.