Credit card payment not taken, But Haven adament I have paid!

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Ed138
Ed138 Posts: 7 Forumite
in Consumer rights
Hi all - i seem to find myself in a bit of a strange situation, looking for advice as what to do.

Paid off my Haven holiday (£950) back on the 11 May 2018 using my Halifax Credit Card, Haven have issued a receipt and booking confirmation to state i have paid in full. Checked my Halifax online banking after paying and the payment showed as "pending" - then went to pay off the amount on the 18/05 - however no trace of the payment is now showing on my credit card.
So firstly i called Halifax to ask why - they confirmed the payment was pending but was never "collected" by Haven, therefore it was never debited and funds were not released by Halifax.
So - Next stop was Haven to attempt to repay, however - I have now spoken with various Haven staff, including "head office," they state according to their system i have paid in full and i must be mistaken! Haven and Halifax have been really helpful and they have have jokingly suggested "you have a free holiday" - however i want to pay and to be honest Im more worried about turning up for the long awaited holiday to be turned around as i really haven't paid!

Ive kept records of conversations and who i have spoken to etc ......just wondering if i have any rights or if anyone can suggest a way forward..

Oh yeah - the £950 is safely tucked away for when Haven realize there mistake which i cant believe they Wont!

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  • mije1983
    mije1983 Posts: 3,665 Forumite
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    Ed138 wrote: »
    ......just wondering if i have any rights or if anyone can suggest a way forward..

    You don't have any rights to force them to take your money. If you mean rights not to pay then you don't have those either.

    Ed138 wrote: »
    Oh yeah - the £950 is safely tucked away for when Haven realize there mistake which i cant believe they Wont!

    Just this. The sensible and obvious thing to do, but you'd be amazed how many people don't do it!


    Probably in a few days when they realise the pending payment hasn't hit the account, they will come back to you.
  • Ed138
    Ed138 Posts: 7 Forumite
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    Hi mije 1983....thank you for the prompt reply. It's defiantly not about swerving paying....I just wondered if any other posters have had similar experiences. I am intent on paying I just don't want to loose the holiday! Your right....I guess I say.just have to wait for them to realise...the money will be waiting!
  • bigisi
    bigisi Posts: 925 Forumite
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    Ed138 wrote: »
    Hi mije 1983....thank you for the prompt reply. It's defiantly[sic] not about swerving paying....I just wondered if any other posters have had similar experiences. I am intent on paying I just don't want to loose[sic] the holiday! Your[sic] right....I guess I say.just have to wait for them to realise...the money will be waiting!

    Yes. You should definitely be defiant in your willingness to pay.:p
  • Ed138
    Ed138 Posts: 7 Forumite
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    :rotfl:doh....apologies..used quick reply without checking!
  • agrinnall
    agrinnall Posts: 23,344 Forumite
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    I had the same thing happen with a company who did a survey on the roof of a house I was trying to buy (but didn't), 3 years later they still haven't taken the money. I rang them up once to remind them after a few weeks but after that it's up to them - if their credit control is so poor that they don't know who has and hasn't paid that's their problem, not mine.
  • wesleyad
    wesleyad Posts: 754 Forumite
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    Fair play for trying so hard. I'd say the one thing to worry over is that I believe they will have up to 6 years to collect the debt from you, which could mean you end up having to keep that money safe for that time, which would be a right pain.
  • baza52
    baza52 Posts: 3,029 Forumite
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    also had a similar thing happen with a holiday a couple of years ago.
    We had gone on a Caribbean cruise with NCL for my wife's 50th and when in the casino on-board we had been getting chips and slot credits charged to our room account.
    We knew we owed them about 3 thousand but they were adamant that our bill was zero.
    We ended up after a few phone calls to them sending proof no money had left my account and they finally agreed we still owed them money.
    It took about 3 months for this to happen but i was happy it would not come back to bite me in the future.
  • pinkshoes
    pinkshoes Posts: 20,097 Forumite
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    I paid a restaurant bill in Switzerland using my credit card and it took 5 months before the payment was finally taken.
    Should've = Should HAVE (not 'of')
    Would've = Would HAVE (not 'of')

    No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)
  • Zandoni
    Zandoni Posts: 3,429 Forumite
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    You have tried your hardest so just keep the money in case they ask for it in the future. Yes they have 6 years but it's extremely unlikely that they will notice after a year.
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