Wrong reference on bank transfer...now no one will help me!!

luke84_2

Hey ppl,

I don't know whether this is the right section but here is goes...

I recently sent a payment transfer of £400 from my alliance leicester current account to pay my lloyds tsb credit card.

But I put in the wrong reference number and the money has gone out of my current account but not into my lloyds tsb credit card account.

I have spoke to alliance leicester and they say I have got to speak to lloyds tsb as they think it will be in there holding account.

I speak to lloyds tsb and they say they cant find the payment in there holding account, i need to speak to alliance leicester and get them to trace it.

alliance leicester are saying they wont be able to trace it, because i made the transfer online and it was my mistake, they wont do anything about it.

I must say alliance leicester customer services stinks!!!

anyway does anybody have any ideas? i need help

thanks in advance
Luke

YorkshireBoy

luke84 wrote: »

anyway does anybody have any ideas?

Write to both institutions, but I think it'll be up to LTSB to send the money back...not for A&L to chase it on your behalf. Hopefully, the 16 digit card number you used doesn't exist (and your money lies in a suspense account), otherwise we might have another one of those "someone paid £400 off my credit card...do I have to give it back" posts from a newbie!

i need help

In future, whenever you get a new account, always send a test payment (say, £1) to test the conduit & time the transfer, and then save it to your payee list. That way, you can guarantee you won't make the same mistake again.

luke84_2

YorkshireBoy wrote: »

Write to both institutions, but I think it'll be up to LTSB to send the money back...not for A&L to chase it on your behalf. Hopefully, the 16 digit card number you used doesn't exist (and your money lies in a suspense account), otherwise we might have another one of those "someone paid £400 off my credit card...do I have to give it back" posts from a newbie!In future, whenever you get a new account, always send a test payment (say, £1) to test the conduit & time the transfer, and then save it to your payee list. That way, you can guarantee you won't make the same mistake again.

So does that mean i can get my money back? i digit put in a 16 digit card number in the reference box... i just put the word PAYMENT.

what do I do i can't get any sense out the banks... :-(

cheers
Luke

Mikeyorks

luke84 wrote: »

i just put the word PAYMENT.

what do I do i can't get any sense out the banks...

If you don't read the payment instructions ..... and just send £400 off into the void without a clue as to what it's for - why expect sense out of the Banks? When you haven't displayed any.

The money can't be allocated .... so it will be sitting in a suspense account at Lloyds TSB (assuming, of course, you completed the Sort Code correctly?). They will turn that back towards A&L automatically after about 10 days (does depend on work load). But you could expedite it by ringing your CC contact number and telling them where the money is. They should be able to route it on to your Credit Card account ..... or hasten the return to your A&L account if you've paid by different means in the interim?

sneaky

A few months back i sent a credit card payment from my lloyds tsb account to bank of scotland instead of royal bank of scotland. I had to visit a royal bank of scotland branch give them the date of transfer and the amount and they sent the money back to my account after a few days.

Not sure about any other bank but rbs did it without a fuss and the lady did mention it was a common mistake!