Motorpoint 3rd party bank, incorrect bank number, no funds, CPR

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We did a part ex on cars with Motorpoint.
Our car was a much higher value, so they owe us ~£14k
After doing everything at the depot, he took our card, sorted tax and everything, we left, on the assumption he had started the payment of money to us.
Transpired, as this was not explained face to face at point of sale, we need to enter our bank account on their app.
After entering acc number, app immediately came up as 'error', it would not allow us back in to re-check or change our error of 2 digits the wrong way round. (Motorpoint deny any fault on app)
Started the recovery process on 14th Aug, they gave us many different scenarios, and approx 8 days in they quoted the CPR taking 20 days.
We have not received any update on the CPR and when it got to 20 days, we were then advised there was an anomaly of 10 days, and we need to wait a further 10days - again, with no progress or update on the CPR in between time.
I have found out myself, Motorpoint use Nuapay as their 3rd party payer, and Nuapay use Clear Bank to make their payments.
Q If Clear Bank made the payment, and funds cannot be refunded from the account, do Clear Bank  have to take the beneficiary to court to get funds back? as Motorpoint have told us, we will have to - but how could we when we have not made the payment - they have (also questions re GDPR)
Q Why can they not give any updated status on the CPR?
Q Why can Santander (our Bank) not help in anyway with this?
Q How can Motorpoint not take responsibility for their 3rd party payer (Nuapay and Clear Bank) making 'faster payments' without prior warning to us that they do this
Q Should Motorpoint pay us, and battle themselves with Clear Bank and beneficiary of funds?
Q Is there any regulations on COP (confirmation of Payee) for such a high value payment? - Motorpoint are stated as they are not part of the COP, no checks were made before payment made.
Soooo many question i cannot get answers to from Motorpoint to Santander, we are at our wits end.
Thanks for any help/advise

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  • xylophone
    xylophone Posts: 44,487 Forumite
    Name Dropper First Anniversary First Post
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    After entering acc number, app immediately came up as 'error', it would not allow us back in to re-check or change our error of 2 digits the wrong way round. (Motorpoint deny any fault on app)

    If an error code came up, what was the nature of the error? You have indicated that there is no COP system on operation so it can't be that.

    Otherwise, was the error that the sort code/account number could not be matched?

    If so, how was any payment made at all?


    Or are you saying that the payment was made to a Santander account, just not to your Santander account?

    Did you advise Motorpoint immediately you received the error code?

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