I’m so angry and upset

[paymentupset]

Most of all I’m angry at myself tbh. I know nobody can help because it’s my own fault but I’m so upset about it all

ive lost so much money and it’s all my own fault

I DONT want it to sound like I’m making an excuse here, but I’ve been really unwell recently (physically) and it’s been a really shitty few months to be honest.

I had lost my debit card (I was at a CT scan appointment and my head was all over the place and somehow lost it!) and requested a new card via the bank. The worker I spoke to ordered me a new card but didn’t cancel my existing card, as I still had it linked to my Apple Pay so if they cancelled it i wouldn’t be able to use it for online purchases IYSWIM. They said they would keep the card active until my new card arrived in 5 days and I could keep checking my statement in the meantime to ensure no unknown payments etc. I said should I come in to let you know and cancel the card when I’ve got my new one and they said no no need, they would check in 7 days to see if my new card was arrived and active and if so would cancel the old one for me. The new card would have a new pin and card numbers etc. I double and triple and quadruple checked that I didn’t need to go in and alert them the new card was here and he said no he would write it in his diary and cancel it automatically. I was advised that any pre existing charges on my old card won’t work anymore once it’s deactivated as the new card will have a different security number, pin, card no etc.

anyway, I lost track of my bank statement recently- partly because I’ve been unwell and partly because work has been chaotic recently. I should have gone into the bank and made sure the old card was deactivated but it slipped my mind.

I had a subscription last year which is a rolling yearly payment (around £200 per year) which was linked to my old card. I no longer need it this year and I SHOULD have actively cancelled it but it was linked to my old card (which I believed to be deactivated) so I thought it would be fine because the payment would bounce like the bank said would happen because that card is no longer working.

but the payment went through. And I just tested my old Apple Pay for the old card (I had added my new card when I got it so was only using that) and the old card still works. So the old card is floating about somewhere and has been active for the last 3 montns since it was supposed to be cancelled

im so, so annoyed at myself. It doesn’t sound like a lot of money but it’s tight atm and I feel like such an idiot. I should have made sure the old card was deactivated and I should have cancelled the old rolling payment but I just thought it was fine.

I tried to contact the place with the rolling payment but they wouldn’t refund it.

its been the worst few months and I’m just so annoyed at myself and gutted

Can you check if the subscription has a 14 day cooling off period and you could still cancel it.

To be honest, I think that even if your card had been cancelled, the payment would still have gone out. Many times in the past I have heard examples of people cancelling their card to try and stop a continuous payment, only to find out it still goes out anyway.

Contact your bank, tell them what you were advised and how that isn’t the case

Call the bank - it sounds to be like this on them as they didn’t cancel they card as they promised to do. Call them and ask for compensation.

Complain to the bank about the employee who said he would cancel it and didn’t. I’m not sure I would have trusted someone “writing it in his diary” to cancel something so important but companies tend to take broken promises really seriously

Yes the bank now rolls over any subscriptions onto new cards (well where I work does anyway) so cancelling the card alone doesn’t work sadly.

Call the bank and explain and ask for reimbursement.

If they deny it, ask them to listen to the recording of the conversation assuming it was on phone.

Mine didn't
My card was cancelled due to a scam and my continuous payment was refused

It was in the branch unfortunately 😞

I was told that new cards if out of date etc would have the same card number and security number etc but as mine was reported under lost/stolen all the card details would be different. In the past I’ve had notifications from apps and other things that said there’s a problem with my card details and it was because i had forgot to update with my new card details and my old one was cancelled.

I should have made sure it was cancelled though- I can’t believe I was so daft 😞 it’s my mistake.

TY for all advice etc I will try it all. I’m going to check if there’s a 14 day cooling period work it and I’ll go into the bank and let them know what has happened

This, complain.

the only time I accidentally didn't cancel my subscription of something, I emailed them and said what had happened, told them I hadn't used the service and was it possible to be refunded the charge. They just refunded me the whole lot. It's worth a try, depending on what it is. My subscription was to a website (like Ancestry)

It was a nightmare cancelling a dating app subscription. I had no idea it would roll.

Do your best to cancel. But that’s just admin.

Emotionally move on. Forgive yourself. I’m 53 and I often make small mistakes. I always tell myself that the odd senile mistake is cheaper than a nursing home.

This

I had this issue not that long ago with an Internet Security Provider.

Yearly subscription that DS had taken out on a trial and forgot to deactivate it. So they took the money from his account even though he does not use the product
Anyway he did get it refunded as a similar thing happened as to the OP
They were using an old Debit Card to withdraw it..

The 14 Day cooling off period covered it so subscription was ended, money refunded and future payments blocked.