Credit Card Missed Direct Debit - Bank Error

Moment

I have a Bank of Scotland credit card that I use sporadically. I keep it separate from my wallet, so there can be some months where I don't spend anything. It's set up to be paid automatically by direct debit, though in the past I've sometimes paid it using FP via online banking.

Today when I checked my statement, I noticed that the direct debit hadn't been processed and I'd been charged £12 missed payment. I phoned the bank, and (after about 45 minutes on the line), they agreed that it was an issue on their end and refunded the bank charge. There were more than enough funds to pay the balance, and I immediately paid it by FP to clear it. She also said that they would "see what they could do" if it appeared on my credit report. The lady on the phone also set up the DD again, since it was automatically cancelled when the attempt failed.

I'm wondering if anyone else has had something like this happen before? The bank couldn't work out why it had happened (and one of her colleagues said that there hadn't ever been a direct debit set up, despite previous bank statements confirming this). It's a bit concerning.

Also, if it does appear on my credit report and they reverse it (not sure of the technical term), will it still be viewed as negative? Or does it disappear altogether?

Thanks

molerat

When was the last time the DD was taken ? After 13 months of not being used they are usually cancelled.

SnowTiger

Moment wrote: »

I have a Bank of Scotland credit card that I use sporadically. I keep it separate from my wallet, so there can be some months where I don't spend anything. It's set up to be paid automatically by direct debit, though in the past I've sometimes paid it using FP via online banking.

Direct debits become inactive (effectively cancelled) if they're not used for twelve or thirteen months.

If you don't use the credit card often and sometimes pay the balance by FP, a direct debit may not have been taken for a year.

Moment

SnowTiger wrote: »

Direct debits become inactive (effectively cancelled) if they're not used for twelve or thirteen months.

If you don't use the credit card often and sometimes pay the balance by FP, a direct debit may not have been taken for a year.

There was a direct debit taken earlier in the year, but I didn't know about the 12 month limit.

It's all very strange

Geoff1963

A Direct Debit is an authority for : the recipient to ask for money, and the bank to hand it over.
The expiration of authority could therefore be the bank rejecting the ask, or BoS not asking. If the bank gets a request which they refuse, they often charge ; so it sounds like BoS has a shorter time than 12 months, before they stop asking.