Except a case they didn't apply what became an overpayment according to their own procedure. It was paid for the actual due date on an interest free item but instead it got applied to the longer term items instead and left it with a balance on the item it should have cleared. What followed was a complicated explanation when told a wait was needed for the statement 3 weeks after the date it should have been paid, that would have made the payment late as it was a 3 month interest free deal. There was a much complicated resolution that involved cancelling the entire transaction and cancelling the monthly direct debit allocation to put the right money to the right items, leaving this overpayment that then got applied in full to the second item on the 24 month interest free balance and not across all 12 items as they state in their policies. Gave up at this point and just let the 24 month deal run its course without using it for any other deals. Now have a 3 month interest free but decided to make 3 instalments, the first one just took their standard minimum payment instead of what had been set up, they shouldn't have taken that as the entire deal was 3 months interest free. Have set up a direct debit for the balance over 2 equal payments, will watch and see if the first one is taken on time for the right amount. The FCA exists in the UK for making complaints about banking errors and not for the first time can make use their services if PP don't get it right, quite happy to be paid compensation for the time, GBP200 and counting as am not greedy, it can take a lot of far more valuable time. Pensioners don't have many years ahead of me to waste on other people's errors. Have had a government department climb down to avoid an High Court case so little (big) organisations are not a problem, delays will only cost them more, GBP500 and counting. It could almost be worthwhile operating this as a business to force companies to adopt good practices and not abuse their users. You need to complain to the bank first and then the FCA if they fail to address your problem, in that case a few million other people could also be in the same position. Take them on when it is apparent many others are suffering and unable for many reasons to be able to get their problems corrected, always go public and refuse any cover ups.
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