Accidentally paid money into a closed credit card account

[CosmicTwirlyLlama]

I’ve was paying a few bills at the same time and wanted to pay off a Tesco Loan (approx £1100). I have, accidentally, paid it to my old Tesco Credit Card account, which was paid off and closed last June. I’ve tried calling Tesco but they wouldn’t take it further as I got the security questions wrong (I cant remember what I said). They wanted to know what the credit limit was and I just couldn’t remember! I’ve tried chatting to my bank (the account from which the payment was made) and they have tried raising a refund but said there is no guarantee I’ll get it back. I’ve given them my old Tesco account number and sort code and they’ve said it just says error when they put it in.

Payment has cleared so it’s obviously gone through to my old Tesco credit card account. I have evidence of the transaction but failing to get this back. Need it to pay off the Tesco Loan!

I don’t have any old statements or my Tesco Credit card. I destroyed them when I paid it off. Ive also moved house recently.

Any one know what else I can do?

It will be in a holding account at Tesco. When they can't apply the payment they should send it back to your account. I assume your bank is putting a trace on the payment too and that should hopefully speed up the money being returned to you.

P.s. credit card payments go to a central bank account and are then applied to the credit card number. As your credit card account was closed the money can't be applied and should be returned to your account

Don't worry, I did this last month, it was repaid to my originating account within a week. I didn't have to do anything.

This. The money will not reach the old account due to it being closed.

I've done this before - though not with Tesco bank. Money just got sent back in a couple of days

It should get automatically repaid. I did it with an old mortgage.

I accidentally withdrew £5k of premium bonds to a closed current account...it bounced back and I withdrew it to the correct place

I did this except with Virgin. It was a nightmare trying to sort out. In the end they paid it back to me but registered the payment as a money advance on the credit card instead of a refund, and then started charging me interest on this “cash advance”! Took me hours and hours on the phone to sort out. I won’t be taking out any credit cards with Virgin in future.

It should be fine and come back to your back from the Tesco holding account. It is frustrating but I hope you won't have to wait too long.

It's good that your Tesco account only closed in June. Astonishingly bank account numbers can be reallocated it they've been dormant a long time. I only found this out at work when our credit control team were chasing a client for payment of a substantial invoice (legal costs). Client was adamant they had paid. Turned out they had paid into an old account of our firm which had closed down 5 years previously. The account was now in use by a different company entirely and we had to ask them to repay the money to client so client could pay us. It took over a year to sort as the other company had to investigate etc but fortunately they did repay and client them paid us. This was before banks added the "match payee" requirement so maybe these days the client payment wouldn't have gone through in the first place.I

Edited for typos.

I have done this as well, though I accidentally paid an old credit card rather than my Tesco Card - it bounced back within a couple of days.

Virgin are awful aren’t they. I wonder if Nationwide know what they are getting into…