Missing balance transfer hsbc/sainsbury

Topbird77

I made a balance transfer from my hsbc credit card on the 15th November to my sainsburys card. I noticed it never come off my sainsburys card so I done it again in 2 payments. When I checked my hsbc credit  card I noticed double the amount on the card.  When speaking to hsbc on numerous times nothing was really  done untill I put in a complaint  with them in Dec. They investigated and sent me an email basically saying that I put the wrong name when making the transfer on their app and clicked allsaints mastercard. They wouldn't give me any details of where it was sent and basically said its my problem and to investigate myself.i will also have to pay the £1259 back. When I booked an appointment to go into the bank I spoke to someone on the phone who said all 3 balance transfers were sent to the same numbers go sainsburys credit card. After contacting sainsburys they cannot find the money. I have phone both loads of times but I'm not getting anywhere.  Hsbc have been totally useless. Ombudsman said they can't find fault with hsbc .Please help

Topbird77

I have given the sainsburys card all my card details ect... the money  has vanished

sausage_time

Trying to understand this.  You sent the funds from HSBC?  And you gave the wrong details?  Was that a card number or sort code, account, and your reference?  Or something else?

Topbird77

I requested a transfer from my new card hsbc to my old card sainsburys.  I never gave any wrong details all correct.  At first they said I put the wrong name of the card it was going to then later found out all info was correct. Got to go into the bank tomorrow 

grumpy_codger

Topbird77 said:

I requested a transfer from my new card hsbc to my old card sainsburys.  I never gave any wrong details all correct.  At first they said I put the wrong name of the card it was going to then later found out all info was correct. Got to go into the bank tomorrow 

Your wording creates confusion.

I think you requested to transfer the balance from Sainsbury's CC to HSBC CC. This means that HSBC sent money to Sainsbury's to pay off your old Sainsbury's CC.

As it was HSBC who sent the money, only they can and have to trace it and give you the information. Whether it's possible to recover the money is a different story.

And generally, it was a very bad idea to do this on a mobile phone where errors are very easy to make, and then to make groundless assumptions and to repeat this without any checks.

Topbird77

I done this on the banking app. Sorry if the wording is confusing . How am I making groundless assumptions?? They have sent the money to tge wrong person and are expecting me to pay it back? 

grumpy_codger

Topbird77 said:

How am I making groundless assumptions??

Topbird77 said:

 I noticed it never come off my sainsburys card so I done it again in 2 payments.

You assumed that the transfer that you requested was cancelled.

They have sent the money to tge wrong person and are expecting me to pay it back?

Again, how do you know that it was their error, not yours? Especially as, AFAIK, COP (Confirmation Of Payee) doesn't work for CC transfers. Personally, I do my best to avoid entering important information manually and always prefer Copy&Paste. Hence a PC (or a tablet at least), not a mobile. And it's unlikely (although possible) that the information you entered was edited at HSBC.

They wouldn't give me any details of where it was sent and basically said its my problem and to investigate myself

Only HSBC can trace it an give you all the information instead of fobbing you off. With this tracing information you can go to Sainsbury's. If HSBC fail to do thier job, complain to FOS. For this either you have to get a deadlock letter from HSBC or 8 weeks have to pass after your first formal complaint to them.

Topbird77

Hsbc are still investigating I've just been told. I put the wrong payee name on the transfer.  It's gone to allsaints mastercard 

Topbird77

All the card details were correct but I clicked the wrong recipients name. Surely the transaction should of failed? 

grumpy_codger

Topbird77 said:

All the card details were correct but I clicked the wrong recipients name. Surely the transaction should of failed? 

Surely, but is it a fact?

If the money is somewhere at "allsaints" and the card number really was correct (i.e. wasn't theirs), then only HSBC can recover it. Wait for their final response and/or escalate the complaint to FOS.

born_again

Topbird77 said:

All the card details were correct but I clicked the wrong recipients name. Surely the transaction should of failed? 

Is there such a credit card as allsaints mastercard?