csweatherston
Member
Registered: 16th Jan 06
Location: Devon
User status: Offline
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Is anyone on here clued up on banking?.
Recently After having some spare cash in my personal account i phoned my bank requesting them to pay off my personal loan.
Which they did.
However the Indian on the phone decided to also pay off my credit card, leaving my personal account very low on funds.
I phoned the bank when i realised what they had done (after 2-3days) they explained they have to re-listen to the phonecall and decide who's mistake it was.
The next day i see my personal account has been credited back the ammount owed from my credit card, yet the balance has NOT been ammended on the credit card.
Now 48hours later my credit card balance still remains at £0.00.
Im assuming they will eventually put the previous balance back on my card, but surely i can claim something for their incompetance?.
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Matt L
Member
Registered: 17th Apr 06
User status: Offline
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yeah, this happened to me once, i paid it off on a cash machine thing in the bank and it took the dd out anyway, took a week or so for my credit card balance to correct it self.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Fingers crossed they might have credited your personal account back to what it was, and written off the CC balance for there incompetance. You never know.
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richardworrall
Premium Member
Registered: 20th Sep 05
Location: Derby
User status: Offline
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refunds to credit cards can take upto a week to appear in your account so might be similar scenario here
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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You got the money back, I assume you didn't happen to miss paying any bills of get stranded without cash since you haven't mentioned that in the first post so really what I want to know is why should you get compensation?
E36 328
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John
Member
Registered: 30th Jun 03
User status: Offline
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Why does everybody want to claim for everything.
They've sorted it when you've asked.
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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Go close card account if it's at 0 owed. It's ok for banks to fuck up but as soon as account holder does there's a nice £30 fine.
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csweatherston
Member
Registered: 16th Jan 06
Location: Devon
User status: Offline
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The point being I could have quite easily missed a payment, or been stranded without cash had i not noticed.
Which could have not only been an inconvenience, it could have also "blacklisted" me.
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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But it didn't? 
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by John
Why does everybody want to claim for everything.
Because we like being in a 'credit crunch' what better to do to companies than claim for a load of shit
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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quote:
Originally posted by csweatherston
The point being I could have quite easily missed a payment, or been stranded without cash had i not noticed.
Which could have not only been an inconvenience, it could have also "blacklisted" me.
So you deserve money because a potential scenario didn't happen?  So many things could've happened to me today, I could've been hit by a bus, I could've been assaulted, I could've been electrocuted, I could've broke a bone after falling down some steps, I must be entitled to loads of money for all that 
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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quote:
Originally posted by csweatherston
it could have also "blacklisted" me.
Behave yourself, you don't get blacklisted for missing one repayment never mind that it was a problem on the banks end, that's a pretty week reason to try for money out of them for an honest mistake that they have put right
E36 328
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csweatherston
Member
Registered: 16th Jan 06
Location: Devon
User status: Offline
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lol, I love this High horse everybodys on.
I havent said once i want "free money" from the bank.
Even if they offered me a deferred repayment on my CC would be nice.
Im quite intrested how they are going to work out the intrest once the money goes back on my CC.
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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quote:
Originally posted by csweatherston
I havent said once i want "free money" from the bank.
quote:
Originally posted by csweatherston
surely i can claim something for their incompetance?.
So what was this 'something' you wanted to claim for if it wasn't money? A blowy off the bank manager?
And I'm not on any kind of horse whether high or normal sized, you're asking for compo for someone making a little mistake that was rectified with one phonecall, if someone had the cheek to ask me for compo over that, I'd give them the cost of the phonecall back, in coins, aimed at the face from point blank range 
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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10 pages.
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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Not very english of you
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Xs
Member
Registered: 12th Apr 02
Location: Lanarkshire
User status: Offline
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Everyone want something for nothing these days. PPI is a pet hate of mine, folk knew what they were signing up for.
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Balling
Premium Member
Registered: 7th Apr 04
Location: Denmark
User status: Offline
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quote:
Originally posted by craig8
an honest mistake that they have put right
Not really much else to it...
If they were nice and helpful when you informed them of the issue, that's great.
If they were reluctant and cunty, switch bank.
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csweatherston
Member
Registered: 16th Jan 06
Location: Devon
User status: Offline
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Not sure weather i should bother updating this but...
I havent done anything since i made this thread - just let it play out.
I got a nice phonecall in work today, from a female representitive of HSBC.
Saying they have reviewed the phoecall and it is no fault of mine, so they will transfer the funds back onto my CC with no transfer fee ( I should bloody hope not!)
And also make the CC account intrest free for 24months. WINNER!
she then asked if there is anything else she could help with, and i suggested more UK callcentres instead off abroad.. To save this from happening again due to communications issues.
Now im getting Upgraded to an advanced account - Free for 12 months.
Which uses only UK callcentres.
Double WINNER!
To be honest i am extremely chuffed with that result.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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good news. i disagreed you should get money, but you didn't say anything about money. people just like jumping on your case on this website.
nice to see they've gone the extra mile.
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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I work for HSBC, advance account is shit. You may end up
With no debit card, if they have just ordered new advance accojnt
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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Oh, and yeah decent result tbh.
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noshua
Member
Registered: 19th Nov 08
User status: Offline
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What's wrong with the advanced bank account? For free you cant grumble considering you get breakdown cover, travel insurance, etc.
That's a nice result btw.
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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Should have cleared the credit card if it was not on 0% or low rate..
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