any members in clitheroe? mum scammed

[Morrisman]

Same. Without the 6p interest

I forgot to pay last month. The minimum payment gets done by direct debit but I got an interest charge of £25 for three days late. I never do this as I never pay late. I rang them up and said would they mind refunding as I normally over pay slightly? No problem they said and credited it on the next statement.

I’ve had HSBC do that when I accidentally went overdrawn on my current account. They charged me a fiver or something, then a few days later messaged me to say it was being refunded.

Bit of a cheek taking it really, as I have over 6k sat in different accounts in their bank, currently at about 0.0000001% interest.

And my mortgage is with them too.

 

[ajlelectronics]

unfortunately no just a debit card ..google reviews stink too which sadly i never checked before

That isn't an issue as there is the Chargeback scheme, valid for up to 90 days from the transaction date. Go to the bank's website and look for the relevant forms etc. Section 75 CCA is only valid for over £100 so in this case, the debit card was the best option.

This advice only applies though if she paid the merchant directly and not via the likes of PayPal.

 

[daleyd]

That isn't an issue as there is the Chargeback scheme, valid for up to 90 days from the transaction date. Go to the bank's website and look for the relevant forms etc. Section 75 CCA is only valid for over £100 so in this case, the debit card was the best option.

This advice only applies though if she paid the merchant directly and not via the likes of PayPal.

Chargeback also applies to credit cards under £100 apparently (I think it also applies over £100 but you’d be better off using section 75 in that case)

 

[droopsnoot]

I bought something via PledgeMusic* for about £55, and when it didn't arrive I had no problem getting Barclaycard to refund the money. Lots of people in the same situation didn't try because of Section 75 minimum limit, but if the goods just don't arrive, that doesn't seem to apply.

( * an old company where artists would use it to fund a new album / movie etc, fans pledge the money early to allow the artist to make the thing in return for getting a copy when it's done. PM went bust part-way through, so the thing in question never arrived)