andyb
13-01-10, 01:16 PM
Hi,
Can anyone give me some help? I set up a direct debit to pay off my credit card in full every month with LloydsTSB, when setting it up I asked when the first payment would start automatically and was told January, again I double checked to see whether the bill due on January 8th would be paid.....yep 100% sir it'll be paid!
I phoned on 7th January to double check this as I know direct debits take a while to set-up and again told it's all set-up to go out tomorrow. I've just got around to checking my account and guess what.....it's not gone out! :smt094
When I phoned the customer services I was told that they will refund my late charges but I'll have to ring back in two days as they haven't been applied to my account yet and therefore cannot be refunded...no problem. When asking about my credit score, as I'm going to be going for a mortgage next year, I was told I have to get a copy of my credit report to see if it's on there; if it is then they'll remove it.:smt094 :smt094
Surely they can stop it before it gets as far as my credit report? They've admitted it's their fault but basically won't do anything about it. Is there anything I can quote etc etc to get them to sort themselves out?
Thanks for reading!
Andy
Can anyone give me some help? I set up a direct debit to pay off my credit card in full every month with LloydsTSB, when setting it up I asked when the first payment would start automatically and was told January, again I double checked to see whether the bill due on January 8th would be paid.....yep 100% sir it'll be paid!
I phoned on 7th January to double check this as I know direct debits take a while to set-up and again told it's all set-up to go out tomorrow. I've just got around to checking my account and guess what.....it's not gone out! :smt094
When I phoned the customer services I was told that they will refund my late charges but I'll have to ring back in two days as they haven't been applied to my account yet and therefore cannot be refunded...no problem. When asking about my credit score, as I'm going to be going for a mortgage next year, I was told I have to get a copy of my credit report to see if it's on there; if it is then they'll remove it.:smt094 :smt094
Surely they can stop it before it gets as far as my credit report? They've admitted it's their fault but basically won't do anything about it. Is there anything I can quote etc etc to get them to sort themselves out?
Thanks for reading!
Andy