ood payment to my account

emmaho

hello.
soory people my spelling is v bad as deslixkic will try my best.
my CC has had a +ve payment that cleared my -ve belance and put it in the green by £900 give or take £10. I 1st noiced this when my regulare set payment was not taken. i left the money well a lone for 2 mouths. i then phoned after 2 mouths them to ask were this money come from. they said they do not keep a recored?
did some phoneing to other cc to see if i had done a balance transfer im not the best at keeping track .(nope not on my usually card or the other top provided no other payment out of my account)

so i spent some.

recived a letter today the 26/4/16 (the letter dated the 20th/4/16) that this money was an error by the remitting bank . do they have my authority to debit my and return the payment puting my account back in the -ve with a bit more debt as i spend a bit of the money (bad me). ive phone them and said no not till I've found out what happening ive put in a a request for a cridte report with a welll know provider at £2.

long and short as they have asked for my authoity and it a error at ther end do i have to pay the mony back.

any help appreciated

[Deleted User]

Yes, you need to pay it back.

If you cannot repay it immediately, make arrangements with them to pay it back at a more suitable pace.

jonesMUFCforever

You have not been disadvantaged by this , in fact you were better off as the money you had earmarked to repay via D/D was not taken from your account; add to this that the positive balance has meant you have paid less interest than you would have otherwise, I fail to see why you cannot give authority for them to redebit your card.

OP take care here if you play silly beggars you may find they restrict the use of the card.

Ben8282

I think that if a credit card account of mine suddenly received a large unexplained payment which put the account £900 in credit I would have called the credit card provider immediately.
The fact that you found it necessary to call other credit card providers to ask them if you had made a balance transfer calls into question your ability to manage your finances. How could you not know?
Surely you realised that spending the money was not a good idea.
Not sure how asking for your credit report is going to help to explain anything especially as the credit card provider has now written to you stating that it was their error.
You will have to repay this money. Refusing to give your consent to having the amount re-debited to your credit card account in these circumstances is not a good idea. In fact, I doubt that your consent is even required.
Also, as jonesMUFC has pointed out, what has happened has been to your benefit.