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M and S Credit Card Account will not accept payment by Bank Transfer

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M and S Credit Card Account will not accept payment by Bank Transfer

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ReciprocaterReciprocater Forumite
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Since the 26th March up to today we have made 8 attempts to pay the balance on my wife's M & S Credit Card by Faster Payments Bank Transfer from two Nationwide current
(Flex) accounts. On each and every occasion the payment is immediately returned stating "Payment rejected. Terms and Conditions of the destination account do not permit crediting of these funds"  Nationwide cannot assist as the problem appears to be with M & S bank. We have never encountered a problem before and the payment due in March went through without difficulty. Comments on another forum/customer review site seem to be suggesting M & S Bank customers are currently encountering problems apparently related to a recent app change and new security measures. Several mention promised return calls from the call centre never happen so we are reluctant to go down that path at this stage. Have any fellow forum uses recently encountered the same or similar problem?
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Replies

  • mcpitmanmcpitman Forumite
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    I paid my M&S card this morning, though the website with a debit card and that worked fine.
    Have you got the reference number on the FPS payment correct (reference is normally card number)?
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • edited 7 April at 2:20PM
    eddddyeddddy Forumite
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    edited 7 April at 2:20PM

    This may be a coincidence, but banks are in the process of implementing beneficiary name checking. If the beneficiary name doesn't match, a payment might be rejected.

    Looking at this info from M&S: https://bank.marksandspencer.com/existing-customer-information/ways-to-pay-credit-card/

    If you paid by cheque, the account name is 'M&S Bank', so maybe make sure that you use that exact format for the beneficiary name for the faster payment.


    But TBH, you should get a different failure message, if that's the case. Here's a list of failure messages from Natwest, I guess they're the same for other banks as well:   https://supportcentre.natwestinternational.com/Searchable/913222642/What-are-the-Faster-Payment-reject-and-reason-codes.htm  

    It looks like you're getting failure code 1170.


  • ReciprocaterReciprocater Forumite
    19 posts
    Ninth Anniversary 10 Posts Combo Breaker
    Thanks mcpitman and edddy. We have triple checked all details and tried various permissible alternatives e.g. the 16 digit reference can be either card number or account number, but unfortunately with the same result, payment returned. Our options appear to be try the call centre with no expectation of any prompt response or solution or close the account by 'snail mail' with a detailed letter as to why.
  • jonesMUFCforeverjonesMUFCforever Forumite
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    One other possibility - are you trying to pay more than the statement balance?
    Some cards are iffy when you try to put them into credit.
    What goes around - comes around
    give lots and you will always receive lots
  • D3xt3r5L4bD3xt3r5L4b Forumite
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    Why is a DD not setup?
  • afis1904afis1904 Forumite
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    Why not just pay it via Debit card?
  • J_BJ_B Forumite
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    Why is a DD not setup?

    afis1904 said:
    Why not just pay it via Debit card?
    Which isn't a relevant answer to the OP's query
  • afis1904afis1904 Forumite
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    J_B said:
    Why is a DD not setup?

    afis1904 said:
    Why not just pay it via Debit card?
    Which isn't a relevant answer to the OP's query
    They say they can't pay their card and would need to cancel it if they can't pay via bank transfer so it's quite relevant.
  • mcpitmanmcpitman Forumite
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    One other possibility - are you trying to pay more than the statement balance?
    Some cards are iffy when you try to put them into credit.
    Could be the above.

    But your decline reason of "Payment rejected. Terms and Conditions of the destination account do not permit crediting of these funds" may suggest your current account is registered as a credit card type account somewhere in the system? (Clutching at straws).

    And a complete random option - is the transaction being triggered in Euro's rather than £'s etc? (again I am clutching at straws here). 
    Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....
  • ThrugelmirThrugelmir Forumite
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    Bank transfer requires human intervention. May well be that due to the current circumstances and to reduce work load. Transfers are being rejected outright. As there's an online debit card option would seem that's this is the most appropriate one to make payment by. 
    “An investor who has all the answers doesn’t even understand all the questions.” - John Templeton
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