Missing faster payment

penners324

Use the account details quoted on the cc statement....

MrsMeg

born_again said:

Raise a complaint direct with the banks. Not via a 3rd party. They have to deal with it and log it.

I raised a complaint to both banks via their complaints process.
Bank A have been great, in as much as they said the account details shown on the Pay a Company were provided by Bank B.
Bank B were appalling so I have followed up via Revolver and they are ignoring that too.

MrsMeg

cx6 said:

I use faster payment - the receiving account is the generic one and the reference field is your card number.

As above - the sort code and account number are pre-populated when you select eg 'barclaycard'

Bank A having the wrong details would surely cause a raft of failed payments as more people add this payee?

If you tell us what card you are paying we can look up the correct details

Bank A confirmed the details were given by Bank B.
Bank B are not commenting on whether others are impacted.
In fact Bank B have stopped commenting on anything.

MrsMeg

Sandtree said:

How many days has it been?

Have you double checked your bank account again to make sure the funds werent returned?

Last time I made a payment to a wrong account by mistake the funds were returned about an hour later automatically but obviously I assumed they were lost somewhere in the other bank's systems and so didnt think to check my own account again.

Turns out the payment was refunded, but the reference on the returned payment was off the original credit card, so Bank A didn't know what to do with it. It was in a holding account, until I told them I was querying a payment around that time.
But I would still like to know why the payment was returned.

MrsMeg

This is still drawing on. Bank B has stopped responding to my complaint. 
I just want to know why the payment was refused, and get recompense for the trauma this has caused me (in the scheme of things, yeah, I know)

Bank B is Santander, by the way. I have never dealt with an institution so lacking in empathy, respect or customer service.

eskbanker

MrsMeg said:

Bank B were appalling so I have followed up via Revolver

Did you go in with all guns blazing?

MrsMeg

eskbanker said:

MrsMeg said:

Bank B were appalling so I have followed up via Revolver

Did you go in with all guns blazing?

Jeez, I wish it was a revolver - maybe get more action, huh??  

flo22

Was the credit card a Santander one or was the recipient bank just Santander?

MrsMeg

flo22 said:

Was the credit card a Santander one or was the recipient bank just Santander?

Santander were the CC company and therefore the receiver of the payment, but they refused it and sent it back with their reference. Then have disputed ever having received it since then.

mab3000

Could it be possible that you used the incorrect payment reference when you sent the payment to your Santander credit card? Either a digit or more wrong, or not using the correct payment reference? Usually you would use the credit card number, then once they receive the payment they then know which credit card account the payment needs to go to. 

Might explain why Santander sent the payment back, and wouldn’t have been able to trace the payment you made to them to you.