MBNA can't refund credit balance

Nasqueron

surreysaver said:

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.

Brie paid the order manually, then the DD was paid as well hence the refund issue

surreysaver

Nasqueron said:

surreysaver said:

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.

Brie paid the order manually, then the DD was paid as well hence the refund issue

Yes, but if they've recalled the direct debit, then that will be a missed payment. It would normally take longer to show on the credit card than the current account 

Nasqueron

surreysaver said:

Nasqueron said:

surreysaver said:

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.

Brie paid the order manually, then the DD was paid as well hence the refund issue

Yes, but if they've recalled the direct debit, then that will be a missed payment. It would normally take longer to show on the credit card than the current account 

It won't be a missed payment as, as already stated, they paid the card manually which covered the payment. The DD taken has put the card in credit as the manual payment cleared the debt so there was nothing for the DD to clear hence the credit.

Think of it as a simple sum:

-100 debt
+100 = 0 as debt is paid
+100 = 100 credit as debt is paid twice
-100 = remove the duplicate, balance back to 0 

Recalling the DD, asking for the credit funds to be moved both achieve the same thing, there will be no missed payment as the payment was made twice and OP already cleared the debt with the manual payment

MyRealNameToo

Nasqueron said:
Recalling the DD, asking for the credit funds to be moved both achieve the same thing, there will be no missed payment as the payment was made twice and OP already cleared the debt with the manual payment

Other than they have no grounds for recalling the DD as there was no error so either they accept the bank telling them their own mistake isnt covered by the DD Guarantee or they lie and make up something about it being the CC companies mistake. Were that found out to be a lie it could have a very different outcome. 

Nasqueron

MyRealNameToo said:

Nasqueron said:
Recalling the DD, asking for the credit funds to be moved both achieve the same thing, there will be no missed payment as the payment was made twice and OP already cleared the debt with the manual payment

Other than they have no grounds for recalling the DD as there was no error so either they accept the bank telling them their own mistake isnt covered by the DD Guarantee or they lie and make up something about it being the CC companies mistake. Were that found out to be a lie it could have a very different outcome. 

I simply said they achieve the same thing, I didn't say they should do it

crumpet_man

Off topic but I would like to know which savings accounts have a debit card for purchases and cash withdrawals at ATM.

MyRealNameToo

Start your own thread @crumpet_man

Brie

The plot thickens.....

Yesterday 2 September afternoon I received an email from MBNA with the following....

Your payment of £250.00 made on 28/08/25 was returned unpaid by your bank on 01/09/25.  If you’ve already paid, please ignore this email as your balance will update soon. Please make the minimum payment by 01/09/25 to avoid charges and so you keep any promotional rates.

So they are wrong in that the payment was not returned unpaid by my bank.  And they are telling me on 2nd Sept that I need to do something be 1st Sept!!  

Meanwhile again I wait to talk to someone to help sort this!!!  Good thing I'm not a busy person.  

crumpet_man

MyRealNameToo said:

Start your own thread @crumpet_man

I think Brie is the only one with such accounts so I was hoping for an answer here.

Brie

crumpet_man said:

MyRealNameToo said:

Start your own thread @crumpet_man

I think Brie is the only one with such accounts so I was hoping for an answer here.

I guess I need to check this as it would appear that I might be wrong.  Part of the problem will be that I grew up with savings and chequing accounts - not current accounts.   So I look at anything that that had a cheque facility to be a current account and those that didn't as savings accounts.  Obviously I have had proper savings accounts over the years including regular savings accounts where it was always money just going in until the year was up and I withdrew everything to get my interest.  My Santander high interest account is doing quite nicely - but I've looked today and can't put my hands on an ATM card or similar for it.  Other accounts I think of as "savings" were actually opened for other reasons - my one with Barclays to get cheap holiday insurance.  Never had a cheque book and do, somewhere, have an ATM card.  

I do have an ATM card for my savings account with TD but as that's not UK I would guess it doesn't count.  

On the flip side....OH was joint on MiL's Halifax "savings" accounts - because that's what she used them for, savings for funerals etc.  And those account do have ATM cards so I suspect they may actually be current accounts.  The interest on them is ridiculously low (but more than my Barclays which is zero) but she wasn't the sort to consider interest on accounts, merely as being somewhere to keep money safe.  She also had a Natwest account but that was for paying bills, and cheques so definitely current.