MBNA can't refund credit balance

saajan_12

Brie said:

mta999 said:

Just a bit off topic but you may want to consider having a second current account for many reasons. Choose one that is not part of the banking group that your current one is with

You don't have to use it very much but have it there in the background 'just in case'

Why?  I have savings accounts as does my OH so access to cash isn't an issue.  

Think I'll try ringing them to get someone to sort it rather than doing it via chat.  Must admit I hate that you can wait forever between questions and answers as they are dealing with a dozen other chats all at the same time.  

Can you pay an external bank account or spend on a debit card or withdraw cash from those savings accounts? 

I always had one CA too, until mine went down and their solutions involved long waits over a week and/or long travels during working hours. No emergency cash from my banking app, no expedited delivery, etc. Since then, I've had a second CA with a small amount, so I can at least use my own money while the bank gets out of its own way. 

Jumblebumble

Altior said:

Unnecessary risk of hassle to save a few pennies, but what's done is done. You could request a cheque, or fee free MT, or BT if you have another card with liability (and fee free offers). 

Isthisforreal99 said:

It's not been taken in error though has it? It was taken as per the T&C's so a little 'naughty' to be trying to invoke the DD indemnity.

Did you cancel the DD after the final payment was taken? That might be why they can't refund the credit.

No more naughty than a stupid organisation refusing to refund to the same bank that the overpaid money came from in the first place.
The closure of the direct debit should have no bearing on whether a bank can transfer money to another bank account.
The nub of the matter is that someones processes have not been thought through properly and there is no reason why the OP should waste any time and should as they have done use the quickest pragmatic way of dealing with the situation which is to invoke the DD guarantee 

mta999

The main reason for having a second bank account is if you have problems with the first one

There have been a fair number of posts on here people having their current account frozen for whatever reason which means if you only have one account then you have absolutely no access to banking facilities unless you open a new one.

Having a reserve one 'ready to go' is worth its wait in gold

Brie

mta999 said:

The main reason for having a second bank account is if you have problems with the first one

There have been a fair number of posts on here people having their current account frozen for whatever reason which means if you only have one account then you have absolutely no access to banking facilities unless you open a new one.

Having a reserve one 'ready to go' is worth its wait in gold

But I don't have just one account.  I have 5 - and one of those is my current account.  The rest are savings accounts which I can access online or at a cash point or purchase things using a debit card.  They are all unrelated banks.  

My OH is joint on these accounts plus he has 2 other accounts at yet another unrelated banking group.  We keep meaning to set this up as joint for us both but haven't got round to it yet.  

So I think I have this well covered.  I did tell MBNA that I had a savings account but the CS person insisted that they could only use a current account.  

Brie

And just as follow up - I checked my MBNA account and saw it now has a zero balance.  But there's nothing showing to say that the money has been refunded. 

So I've checked my current account and there are 2 credits showing for that amount, one with my card number & the other saying DD refund.

It will be interesting to see what happens next!

etienneg

Although I don't agree with Brie's refusal to contemplate a second current account she raises an interesting point here:
"The rest are savings accounts which I can access online or at a cash point or purchase things using a debit card."
Is it usual for savings accounts to offer a debit (and ATM) card? I have several such accounts, but unless I have missed it none of them offers a card. Or is this just applicable to rather specific accounts?

eschaton

etienneg said:

Although I don't agree with Brie's refusal to contemplate a second current account she raises an interesting point here:
"The rest are savings accounts which I can access online or at a cash point or purchase things using a debit card."
Is it usual for savings accounts to offer a debit (and ATM) card? I have several such accounts, but unless I have missed it none of them offers a card. Or is this just applicable to rather specific accounts?

I’ve never seen any. 

MyRealNameToo

Jumblebumble said:

The nub of the matter is that someones processes have not been thought through properly and there is no reason why the OP should waste any time and should as they have done use the quickest pragmatic way of dealing with the situation which is to invoke the DD guarantee 

The OP doesnt have a legitimate claim under the direct debit guarantee as MBNA gave them the required 10 days notice of how much and when it would be taken and no error was made because they collected the amount they said they would when they would. 

I mean you could suggest the OP commit fraud by making false claims about having cancelled the DD or such but is it really worth the consequences? 

The OP paid too late for it to be factored into the DD and they said they knew this when making the payment.

Either call MBNA again and hopefully find a more sensible agent or simply spend it over the next month(s)

surreysaver

Brie said:

mta999 said:

The main reason for having a second bank account is if you have problems with the first one

There have been a fair number of posts on here people having their current account frozen for whatever reason which means if you only have one account then you have absolutely no access to banking facilities unless you open a new one.

Having a reserve one 'ready to go' is worth its wait in gold

But I don't have just one account.  I have 5 - and one of those is my current account.  The rest are savings accounts which I can access online or at a cash point or purchase things using a debit card.  They are all unrelated banks.  

My OH is joint on these accounts plus he has 2 other accounts at yet another unrelated banking group.  We keep meaning to set this up as joint for us both but haven't got round to it yet.  

So I think I have this well covered.  I did tell MBNA that I had a savings account but the CS person insisted that they could only use a current account.  

A savings account isn't a current account, though. 
There's things you can do with a current account that you cannot do with savings accounts. Such as receive payments from credit cards 

surreysaver

Brie said:

And just as follow up - I checked my MBNA account and saw it now has a zero balance.  But there's nothing showing to say that the money has been refunded. 

So I've checked my current account and there are 2 credits showing for that amount, one with my card number & the other saying DD refund.

It will be interesting to see what happens next!

You've probably screwed your credit file. It will likely show an unpaid payment, with the resulting charges.
Shouldn't recall a correctly taken direct debit. The advice is to always set up a direct debit to prevent such things.