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  • FIRST POST
    • Don80
    • By Don80 16th Apr 19, 10:45 AM
    • 256Posts
    • 97Thanks
    Don80
    HSBC Direct Debit payment
    • #1
    • 16th Apr 19, 10:45 AM
    HSBC Direct Debit payment 16th Apr 19 at 10:45 AM
    Hi

    I have a direct debit set up to pay my HSBC credit card, it's showing on my bank account as taken today, but when I log in to HSBC it isn't there. Both the app and online banking show "No transactions" since my last statement.

    Should I be concerned?
Page 1
    • shiny76
    • By shiny76 16th Apr 19, 10:47 AM
    • 482 Posts
    • 520 Thanks
    shiny76
    • #2
    • 16th Apr 19, 10:47 AM
    • #2
    • 16th Apr 19, 10:47 AM
    Hi

    I have a direct debit set up to pay my HSBC credit card, it's showing on my bank account as taken today, but when I log in to HSBC it isn't there. Both the app and online banking show "No transactions" since my last statement.

    Should I be concerned?
    Originally posted by Don80
    Recent Transactions are mostly (if not all) updated overnight. I'd relax then check again tomorrow.
    • Don80
    • By Don80 16th Apr 19, 10:54 AM
    • 256 Posts
    • 97 Thanks
    Don80
    • #3
    • 16th Apr 19, 10:54 AM
    • #3
    • 16th Apr 19, 10:54 AM
    Recent Transactions are mostly (if not all) updated overnight. I'd relax then check again tomorrow.
    Originally posted by shiny76
    I don't usually check the same day, but I have a long 0% balance and purchase offer with them, I know if a payment isn't made you lose it - hence I was worrying. The app says the balance is correct as of the time I logged in - which is what worried me as the direct debit has been collected from my bank account! I have nothing else with HSBC, and from what I see on these boards they're not the best so I was just panicking that something had gone wrong at their end!
    • zx81
    • By zx81 16th Apr 19, 10:58 AM
    • 21,743 Posts
    • 23,659 Thanks
    zx81
    • #4
    • 16th Apr 19, 10:58 AM
    • #4
    • 16th Apr 19, 10:58 AM
    Should I be concerned?
    Originally posted by Don80
    No. A DD is the lender's responsibility, not yours (apart from needing to have enough cash in the bank).
    • Don80
    • By Don80 16th Apr 19, 11:02 AM
    • 256 Posts
    • 97 Thanks
    Don80
    • #5
    • 16th Apr 19, 11:02 AM
    • #5
    • 16th Apr 19, 11:02 AM
    No. A DD is the lender's responsibility, not yours (apart from needing to have enough cash in the bank).
    Originally posted by zx81
    Thank you! (I do have the money there - it's a separate bills account and only for 37!)
    Last edited by Don80; 16-04-2019 at 11:08 AM.
    • msallen
    • By msallen 16th Apr 19, 1:27 PM
    • 983 Posts
    • 1,204 Thanks
    msallen
    • #6
    • 16th Apr 19, 1:27 PM
    • #6
    • 16th Apr 19, 1:27 PM
    I generally agree with what everyone else has told you, and that this is not your worry.

    However... Just to be certain.... Is this a brand new direct debit mandate that hasn't collected before, or it one that has worked correctly in previous months?

    If it an existing one, then as you were, but if it is a brand new one, then I think I'd be on the phone to the CC just to be sure.
    • Gary_Dexter
    • By Gary_Dexter 16th Apr 19, 1:46 PM
    • 4,140 Posts
    • 2,615 Thanks
    Gary_Dexter
    • #7
    • 16th Apr 19, 1:46 PM
    • #7
    • 16th Apr 19, 1:46 PM
    Capital One has done the same with me - money taken from bank but not showing on Cap1 recent transactions until the following day.

    It's not biggie really
    • Don80
    • By Don80 23rd Apr 19, 2:35 PM
    • 256 Posts
    • 97 Thanks
    Don80
    • #8
    • 23rd Apr 19, 2:35 PM
    • #8
    • 23rd Apr 19, 2:35 PM
    Just a quick note to say thanks all - HSBC did end up showing the payment after all. I'll know for future, you'd think in this day and age they'd at least show things as "pending"!
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