Tesco credit card issues

[H22observer]

Basically, i have been using a Tesco 0% credit card for a while, but a company computer error has caused a number of issues.

After sending a bank transfer of £25, their computer did something weird and sent me back my £25, but 21 times.

The next month i receive a letter from my bank informing me that have transferred £500 back to Tesco.

The issue is that i have now incurred a £12 'late payment penalty' and my interest rate has skyrocketed. Tesco are being very unhelpful. Where do i stand legally?

I'm going to clear the balance and cut up the card, but can i refuse to pay the £12 fee and all interest charged?

[H22observer]

marshalla said:

Can you show that you made the payment on time and that Tesco are responsible for the error ?

I can supply a statement of an attempt to send them £25, then receiving £525 back from them.

The thing that concerns me is whether an "Attempt to pay" is grounds to contest a late payment penalty...?

[H22observer]

it looks like i might have to. i've try speaking with them on the phone but i can't pass security because i can't remember my security password. They tell me to go online to reset it, but their website has a glitch.

[H22observer]

Foliage said:

They are a business not a charity, they are their to make money.. A fool and his money are easily parted.

As for the OPs problem I'd be arguing that I made the payment (it does appear on your statement right?) and that you have no idea why the other 21 unauthorised reverse payments were made without your consent. To be fair it might not be Tesco's (well the company that runs their credit card) fault and perhaps the blame falls squarely with your bank.

I filed a visa dispute about a week ago. My bank said that Tesco had behaved badly but were legally entitled to snatch the money back even if they were at fault for whatever reason.

I'm hoping that i can argue that Tesco are incompetent and had temporarily lost control of their computer system. i double checked the account number and sort code and the fault was definitely not at my end. I refuse to make any online payments now. All payments are going via a good old fashioned cheque.

[H22observer]

Foliage said:

If that's the case id suggest you ditch both your bank and Tesco, don't give them any more of your money they are incompetent, its clear that your intention was to make the payment but the system failed. Try someone else. Ive found moving bank these days to be remarkably easy. I am guessing though that its as much your banks fault as it is Tesco's they should have spotted this strange activity and given you a call.

I'm a premium customer as well. I pay £10 per month for supposedly better service.

I reckon if i push hard enough, my bank will pay any charges for failing to inform me of a bounced payment...