HSBC Direct Debit payment

Don80

Hi

I have a direct debit set up to pay my HSBC credit card, it's showing on my bank account as taken today, but when I log in to HSBC it isn't there. Both the app and online banking show "No transactions" since my last statement.

Should I be concerned?

shiny76

Don80 wrote: »

Hi

I have a direct debit set up to pay my HSBC credit card, it's showing on my bank account as taken today, but when I log in to HSBC it isn't there. Both the app and online banking show "No transactions" since my last statement.

Should I be concerned?

Recent Transactions are mostly (if not all) updated overnight. I'd relax then check again tomorrow.

Don80

shiny76 wrote: »

Recent Transactions are mostly (if not all) updated overnight. I'd relax then check again tomorrow.

I don't usually check the same day, but I have a long 0% balance and purchase offer with them, I know if a payment isn't made you lose it - hence I was worrying. The app says the balance is correct as of the time I logged in - which is what worried me as the direct debit has been collected from my bank account! I have nothing else with HSBC, and from what I see on these boards they're not the best so I was just panicking that something had gone wrong at their end!:rotfl:

[Deleted User]

Don80 wrote: »

Should I be concerned?

No. A DD is the lender's responsibility, not yours (apart from needing to have enough cash in the bank).

Don80

Deleted_User wrote: »

No. A DD is the lender's responsibility, not yours (apart from needing to have enough cash in the bank).

Thank you! (I do have the money there - it's a separate bills account and only for £37!)

msallen

I generally agree with what everyone else has told you, and that this is not your worry.

However... Just to be certain.... Is this a brand new direct debit mandate that hasn't collected before, or it one that has worked correctly in previous months?

If it an existing one, then as you were, but if it is a brand new one, then I think I'd be on the phone to the CC just to be sure.

[Deleted User]

Capital One has done the same with me - money taken from bank but not showing on Cap1 recent transactions until the following day.

It's not biggie really

Don80

Just a quick note to say thanks all - HSBC did end up showing the payment after all. I'll know for future, you'd think in this day and age they'd at least show things as "pending"!