'Lost' Credit Card Payment

jonesMUFCforever

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.

You have admitted that you did not put your credit card number as reference on your payment.
You have therefore not paid as there was no way that they could apportion the money to your account without this information.

I will repeat it for you before I go off and do my nails (:rotfl: )you made a fundamental error, the credit card could not apply your payment, so you have not paid.
The charges therefore are justified.

smithja

They could not apportion the money as has been correctly pointed out, but it has been sitting in their suspense account since it was credited duly earing interest for the bank, while the bank charges you interest.

If it were my choice I would have the money added to your account as an amendment as if it reached your account on the day it hit the suspense account, and this would have all of your statements recalulated and your credit record fixed automatically, because THEY had the money and still HAVE the money.

To me it does not matter whether you put down the wrong reference or not, if they want things to work this way were they can charge you then they should have bounced the BACS payment back to your bank and you could have paid it again immediately and correctly. Only In that senario they would the bank have a case for charging you if it arrived late.

It also does not help when you ask the first time and the call centre operator does not do their job when as a previous poster stated it can be fixed in 5 minutes flat.

The charges are in no way justifed as the bank had the money all of the time and then did not do their job of searching a suspense account for it when all the had to do is put in your sort code, account number and the amount you paid, hit a button and hey presto there it is.

James