TSB Creditcard Indemnity Claim

babymum

Hi guys,

I need some help desperately. In summary:

I paid £800.00 towards my creditcard bill on 28 Dec 2013.
The direct debit for £713.71 was taken from my credit card bill on 30 Dec 2013.
£713.71 was returned to my account on 8th January 2014.

TSB are now saying that I owe them £713.71. The first I saw of it was when I opened my creditcard bill in December 2014 and it showe an indemnity claim of £713.71. I asked them to prove to me that I owed it to them... after 2 months they have now shown that I do owe them the money.

Problem is that this is 14 months after the original problem and I now don't have a job and live abroad. They have told me that I still need to pay it. I am appealing it with them at the moment.

My question:
It has taken TSB this long to contact me (they said that if I cancelled my creditcard before the indemnity claim they would have probably written it off). Can I ask them to write it off because its taken so long to contact me?

Under the direct debit guarantee should they have dealt with all of this in Dec 2013/Jan 2014?

£713 is not a small amount for me and I just don't know what to do as this is 3 months rent for me right now.

Any advice welcome.

Babymum :sad:

grumbler

You can ask them, but most likely they will refuse.

I don't understand what actually happened and why you owe £713, but I don't see what exactly you wanted them to prove and how as your bill normally proves everything. If you paid £800 and still owe £713 then original debt had to be £1.5K.

DD guaranty just allows you to claim back the money taken wrongfully (technically breaching the DD procedure) and bears no relation to what you actually owe to the DD originator.

babymum

Thanks Grumbler

I pay my credit card bill off every month so it came as a massive surprise that they said I owed this money when I didnt know about it for over a year....

I paid them £800 manually and then £713 went by the direct debit so I ended up paying them twice. It now transpires that the bank and creditcard didnt speak to eachother until now and they are now saying I owe them the £713 which was refunded to my bank account. I am confused and skint...

grumbler

So, what exactly happened? If £800 was supposed to pay the bill in full, how come you owe £713?

babymum

I owe them because i paid them twice and then my bank repaid me under the direct debit guarantee and now TSB are saying that they and my bank messed up and didnt take the money off my credit card in Dec 13 when they should have :-(

grumbler

What you say makes no sense.
If your bank repaid you and failed to take money from TCB CC, then TCB owe you, not vice versa.
Also, you probably owe to your bank.

Nasqueron

How did you pay twice? You talk about taking the money off a cc but if you paid them £800 where did that money go? Surely you should be in credit? Did you pay one cc with another? Did you pay 800 quid then do a dd claim to get the money back after they took the dd? In which case surely the 800 you paid would cover the bill?

eddddy

grumbler wrote: »

What you say makes no sense.
If your bank repaid you and failed to take money from TCB CC, then TCB owe you, not vice versa.
Also, you probably owe to your bank.

My guess is that the OP's bank repaid the OP £713

But the TSB 'forgot' to apply the debit of £713 to the OP's credit card - but then noticed 12 months later. So they applied the £713 debit 12 months late.

babymum

eddddy wrote: »

My guess is that the OP's bank repaid the OP £713

But the TSB 'forgot' to apply the debit of £713 to the OP's credit card - but then noticed 12 months later. So they applied the £713 debit 12 months late.

Thats right edddy. Thanks for make it so simple. Do you think I have to pay it back? Seriously I'm skint with no form of income :-(

grumbler

So, you owed ~£1.5K.
Then you paid £800.
Then £713 was taken and you claimed it back.
The remaining debt was £713 - and you knew this from the very start.
Correct?

Surely you have to pay what you owe. Consider yourself lucky if they don't add interest.

If you don't care about your credit history and/or have no plans of returning to UK you can chose not to pay, but this is a different question.