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Thought I had paid it all ....

(18 Posts)
Celaena Mon 23-Jan-17 20:18:15

Bit annoyed

I had a rejig of my money, remortgaged, paid off loans and cards

Thought I was sitting pretty

Then... one of my cards sent a statement today and there's nearly a grand still outstanding?!?!

I wouldn't be as annoyed if I had guessed the outstanding balance, but I telephoned them and told them that I wanted to pay it all off.

So now I have a debt that I have to cover that shouldn't be there

Gggggggrrrr

VodkaJelly Mon 23-Jan-17 20:49:18

Ask for a breakdown of how this happened, where has the extra £1000 come from, why wasn't it declared before? Don't just pay it, ask questions first

WeirdAndPissedOff Mon 23-Jan-17 20:51:47

Definitely ask for a breakdown!

Also, when did you pay? Is it possible they haven't registered the payment yet? (Crossed wires?)

Celaena Mon 23-Jan-17 20:56:41

The payment I made (matches my bank statement) is there

So it's not a cross over

It's an interest free credit card, and no fees are mentioned

AnthonyPandy Mon 23-Jan-17 20:58:19

With my cc I have an SO or DD to pay it off automatically. But if I get the bill and phone up to pay it off, it still takes the dd. Might this be what has happened?

Celaena Mon 23-Jan-17 21:02:10

No, I made a big payment, and then the dd went through (under 100)

I'm just so annoyed, why didn't they give me the full amount to pay?

There's no additions it's like the bill was 3000 and I paid 2000 - it's not new money out, it's mine and I accept that.

HashiAsLarry Mon 23-Jan-17 21:25:08

Definitely contact them and ask what happened here.

Crisscrosscranky Mon 23-Jan-17 21:34:12

Not sure what the AIBU is? Unless it's that you remortgaged to pay off an interest free credit card?! Do you not listen to Martin Lewis? misses point

Lorelei76 Mon 23-Jan-17 21:48:22

Call them now.

Celaena Tue 24-Jan-17 06:45:10

No, I get that remortgaging to pay an interest free card might seem odd, however when your outgoings are getting unmanageable what else can you do?

I'll call them today

Celaena Tue 24-Jan-17 06:46:53

The AIBU is that I asked them how much was outstanding, and paid what they td me wad outstanding and for the last few weeks have been thinking I am debt free (except mortgsge) and now I have to find more money

Is that clearer for you ?

TataEs Tue 24-Jan-17 06:56:04

it is a bit off that they've done that. i would definitely speak to them. especially as from what you are saying it's not been accumulate in the time immediately before paying it off.
i do think it's unreasonable of them, i assume there's been a mix up somewhere.

SingingInTheRainstorm Tue 24-Jan-17 07:01:20

There's a chance that the information wasn't apparent, esp if you used the card close to Christmas.
I would say it is important to reconcile statements with receipts as companies do, just to ensure that you know the transactions are legitimate. At the same time you can keep a track of all your finances, so you get no surprises like this in the future.

DontOpenDeadInside Tue 24-Jan-17 07:06:34

Would they have kept a recording of the call? (No idea how it works) then ask why they didn't give the full amount.

OliviaStabler Tue 24-Jan-17 07:20:36

I'd call and find out why you were not told the correct amount.

blueskyinmarch Tue 24-Jan-17 08:32:50

I would have assumed they told you what the balance was at that moment and that other purchases came in after this time.

Wtfdoipick Tue 24-Jan-17 08:41:16

If it is exactly a thousand then I would assume it's human error and someone just read the figure out wrong. How did you then pay it, directly over the phone with them or did you go away and sort it yourself?

Celaena Tue 24-Jan-17 18:05:06

It was a balance transfer account
No purchases have been made at all
The amount outstanding is not an exact amount
I paid over the telephone with a real human agent

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