Missing money

Mrsmccann

I was refunded a large amount of money via a PDQ machine on 12th March and the money still isn’t credited in my account. I have the receipt and was present at the time.
Today is the 15th working day, which seems to be the maximum Number of days I need to wait and still nothing.
HSBC have confirmed the money left his account but Barclays, my bank say they can’t do anything as they are only receivers and have been quite unhelpful.
Needless to say the company refunding me are not that helpful.
Any advise please?
Beyond worried now, I feel like the money is lost forever.

PeacefulWaters

It's up to the sending bank to trace the payment.

jonesMUFCforever

Just in case; you have checked that the card you got the refund on is ACTUALLY the card you are checking. ie could you have paid by say credit card so the refund would go back on that not your bank account?

OceanSound

@op: If you used a debit card to make original payment, you may be able to start chargeback process. Speak to YOUR bank (hopefully someone senior, as not all staff are familiar with this).

If you paid via credit card, you can claim via section 75. Again, speak to YOUR card provider.

For both processes there may be time limits, so do it now.

jonesMUFCforever

On reading the first post again ''HSBC have confirmed that monies have left his account...'' - why would HSBC break data protection laws by giving the OP this information?

xylophone

On reading the first post again ''HSBC have confirmed that monies have left his account...'

'

Perhaps HSBC confirmed the fact to the owner of the account and the owner of the account told the OP?

jonesMUFCforever

xylophone wrote: »

'

Perhaps HSBC confirmed the fact to the owner of the account and the owner of the account told the OP?

He goes on to say that their bank has been unhelpful?

surreysaver

jonesMUFCforever wrote: »

On reading the first post again ''HSBC have confirmed that monies have left his account...'' - why would HSBC break data protection laws by giving the OP this information?

Why would that be breaking data protection laws? It isn't personal information.

PeacefulWaters

surreysaver wrote: »

Why would that be breaking data protection laws? It isn't personal information.

Confirming the account exists opens up all sorts of potential data protection fun.

18cc

You cannot speak to HSBC I'd be amazed if they told you anything at all it is not your account and you are just a third party

your bank Barclays can't do anything they are the receiving bank if they haven't received anything and there's nothing they can do other than perhaps check that it has not gone into some holding account somewhere

the person you need to speak to is the person who issued the refund he can then go to his bank HSBC and asked to put a trace on the money

You don't say what the circumstances of the refund was or indeed who the refunding party was. If a reputable Trader then they should have no problem putting a trace on the money if something dodgy then it may be a different story