Woman has nearly £24000 of credit card debt written off after Direct Debit mistake.

InA

Thought people on this board might find this story interesting:

https://www.theguardian.com/money/2020/feb/05/john-lewis-credit-card-debt-bill

What do you think?

afis1904

Incredibly weird how both parties involved in this would have not realised what was going on over the years.

colsten

She is one very lucky lady! How could she not have noticed that she never paid a penny for her card in all those years?

Zero_Sum

This sort of thing staggers me in that it shows how little some take notice of their finances.

How did it take the person paying the bill 2 years to notice? I'd have questioned first deduction & had it cancelled & refunded.

And how did this woman not notice that these bills weren't being taken. I mean £24k of spend over a couple of years is around an average of £1000a month. It's not an insignificant amount of money.

Yorkshire_Pud

Liability fairly and squarely lies with John Lewis credit cards and their humungous balls up. Talk about asleep at the wheel.

Expecting others to cover their mistake is wrong but they did try!

Any benefit to the credit card holder is just a business expense for John Lewis to bare. They should be fined for their maladministration.

Hope the wrongful dupe payee of the credit card got compensation too.

born_again

Strange how someone else's DD ended up paying another party.

Not sure how JL would notice the error until it was reported to them by someone noticing that their card had not been paid.
Who provided the sort/acc details to pay the cards. That would seem where the error was. JL would not have access to pick up these themselves. Can only think one party manually gave them over the phone and was entered wrong. But one hell of a chance to hit another valid acc.

SevenOfNine

Might it be the deceased long term partner who was paying the d/d for 2 years, maybe not exactly an 'unknown person' to JL, & in fact they didn't actually have to reimburse the person as they claimed because he has died. ??

lr1277

What about the hapless stranger who only got 2/3 of their money back. They may have taken a while to notice, but still, shouldn't they have received all the money paid into this woman's account?

blakemansarah

This is incredible!