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'Lost' Credit Card Payment
crafty_Blue
Posts: 45 Forumite
in Credit cards
I rarely use CC's but did for 1 transaction in Feb [Halifax], for £15.73. Where I went 'wrong' when paying online from my own bank[HSBC], was putting 'Febuary payment' in the ref box, not the card no. I received a statement showing non-payment, late fee etc, and my Bank sent me a letter confirming all the details incl. Bank codes etc.
My 1st call [16/4]to Halifax was amicable. the girl said she would trace it, and the next statement would show it corrected. I've just rec'd another statement with no correction and additional charges. Now I'm a pretty laid back person, but when I rang Halifax, the [latest] girl kept interrupting me. I got a tad agitated, and explained the history. She then proceeded to aak all the same questions etc, and I suggested that the previous girl had been filing her nails or something, else she would have followed it through. I was told they couldn't do anything and my bank would have to follow it up their end, so I asked why didn't the other girl tell me this, suggesting that 'she was probably painting her nails, to which the[latest[ girl called me 'disgusting' !
to cut a long story short, I got her name & no, and refusing my request to speak to a supervisor, told me one would ring me striaght back, and put the phone down on me.
It's obvious they aren't going to sort this out, but if my own Bank can't help me with this one where does the responsibility lie / My Bank has written to me to confirm the money is with Halifax.
GRRRRR!!
My 1st call [16/4]to Halifax was amicable. the girl said she would trace it, and the next statement would show it corrected. I've just rec'd another statement with no correction and additional charges. Now I'm a pretty laid back person, but when I rang Halifax, the [latest] girl kept interrupting me. I got a tad agitated, and explained the history. She then proceeded to aak all the same questions etc, and I suggested that the previous girl had been filing her nails or something, else she would have followed it through. I was told they couldn't do anything and my bank would have to follow it up their end, so I asked why didn't the other girl tell me this, suggesting that 'she was probably painting her nails, to which the[latest[ girl called me 'disgusting' !
to cut a long story short, I got her name & no, and refusing my request to speak to a supervisor, told me one would ring me striaght back, and put the phone down on me.
It's obvious they aren't going to sort this out, but if my own Bank can't help me with this one where does the responsibility lie / My Bank has written to me to confirm the money is with Halifax.
GRRRRR!!
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Comments
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It is you who made the error and ultimately is responsible.
Rudeness by customers gets my back up no end and I'm not surprised the way they treated you.
Pay what is owed now before it escalates and then write to the Halifax card services with a print out of the transaction asking them to investigate and perhaps in the circumstances could they refund the charges and interest.
I hope that you have also checked your bank account to make sure that the payment has not bounced back into your account.0 -
So if Halifax have written proof from my Bank that they have received the money, in your 'customer-focused' world, I have to 'pay up what is owed now' ?? -again.0
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This is a simple mistake to make and I'm sure its a regular occurance. The money will go into a suspense account or be bounced back.
However being disrespectful and rude is not helpful.
I would suggest you phone again and try to sort the matter out politely. If this gets no result write a formal complaint.0 -
This is a simple mistake to make and I'm sure its a regular occurance. The money will go into a suspense account or be bounced back.
However being disrespectful and rude is not helpful.
I would suggest you phone again and try to sort the matter out politely. If this gets no result write a formal complaint.
Thanks, and beleive me, I wasn't rude. My comment re the first girl was just sarcasm in light of my frustration. To be called 'disgusting' by someone else was IMHO totally unjustified.0 -
hey crafty blue- i work for halifax card services- im so sorry u were spoken to in that way! im astounded to why this person didnt sort this out for you- if only i had a direct dial number i could have this sorted in 5 mins! please call back and hopefully you willl get someone with a bit of sense!
yes it may be your error but its easily fixed!
anything u need give me a shout!Northern Ireland member 324- getting hitched Sept 2012!:j:j0 -
crafty_Blue wrote: »I suggested that the previous girl had been filing her nails or something
That's a bit sexist. No wonder you were called 'disgusting'."Do not spoil what you have by desiring what you have not; but remember that what you now have was once among the things you only hoped for."
- Epicurus (341 BC - 270 BC)0 -
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crafty_Blue wrote: »So if Halifax have written proof from my Bank that they have received the money, in your 'customer-focused' world, I have to 'pay up what is owed now' ?? -again.
They may have proof that they received the money, but without knowing whose account it belonged to if should have bounced back to your bank account, though this could have taken 7 working days. If it didn't bounce back then it's the credit card company's problem, but you ought to write to them rather than abuse their call centre people.0 -
billbennett wrote: »No it's not. I'm male and I file my nails.
Yes it is because he's suggesting she's sat their all day filing them. I too file mine
"Do not spoil what you have by desiring what you have not; but remember that what you now have was once among the things you only hoped for."
- Epicurus (341 BC - 270 BC)0 -
billbennett wrote: »No it's not. I'm male and I file my nails.
It can be taken that way.
At any rate, insulting someone at a call centre, even if they're not the same person, does not tend to put you on a good footing with the person you're speaking to.0
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