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Can a bank or building society take your monthly agreed payment twice on the same day without notifying you.?
Further to my original question I made my credit card payment online for the amount requested on the bill. Without my knowledge the card company took the same amount again which put me overdrawn at the bank and in 3 weeks has cost me £180 and a bounced direct debit.
The first I knew of this is when I received my statement a few days ago.I would not have been overlimit on my card and the payment was made before the due date.
6 Answers
- AlloAlloLv 41 decade ago
Okay, I don't know about a bank or building society, per se, but it seems that any "automated payment" can have glitches.
This happened to me...I have an agreed monthly payment taken out of my account monthly (on the first), for $34.95. One month, as I was telebanking, I noticed that the charge was taken out twice (on the same day). I notified my bank who said it was not their problem because it was billed twice. I contacted the vendor and they looked into it. Two weeks later, it was discovered that the computer read my records incorrectly and took the charge out twice. It was refunded. Pain in the butt, though, and a lot of hassle.
If you have something set up where a certain amount only is authorized, then you can fight it and get your money back. It is important to watch all bank transactions closely, especially electronic debits.
- 1 decade ago
The question is not whether they can (they most certainly CAN) but should they. This has happened to me in the past (and to both my sons) and has caused me to be overdrawn without previous arrangement, resulting in a 75 pound charge for an 8 quid overdraft for a week. Luckily I know my bank manager well, and it was resolved - but not in the case of my sons. It is ludicrous that your bank or building society can screw up, and you have to pay for their mistakes.
- Anonymous1 decade ago
If this is a bank or building society credit card payment they are commited to the direct debit guarantee so you should claim the refund along with any interest charges incurred.
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- Anonymous1 decade ago
they can only do this if you fell behind with previous payments, otherwise its normal practise for the bank to let you know.
its advisable to either call your bank or go and see them and find out the reason why they have done this. there's probably a simple reason why this has happened, in most cases of an error they refund your money back either the same day or the next working day.
