Mastercard stung me for £12.00 - HotUKDeals
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Mastercard stung me for £12.00

£0.00 @ Mastercard
I forgot to pay my last credit card bill for £1.50 on time (yes you read right £1.50). They have billed for for £12.00 for late payment. I have never missed a payment in 20 years! Fuming or what! An… Read More
Predikuesi Avatar
8y, 10m agoPosted 8 years, 10 months ago
I forgot to pay my last credit card bill for £1.50 on time (yes you read right £1.50). They have billed for for £12.00 for late payment. I have never missed a payment in 20 years! Fuming or what!
Anyone else been in this situation?
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Predikuesi Avatar
8y, 10m agoPosted 8 years, 10 months ago
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1 Like #1
Just call them up and politely tell them the truth. They usually will refund the charge to you if this is your first time.

I have done it before and was refunded.
#2
try ringing them up and get them to reverse the cost, I know someone who got charged £6, they rang up and it got removed. You never know you might get lucky
#3
They have done the same to me before and i did pay before the date but apparantly it takes a few days to clear or something and it hadnt in time
#4
Will try this tomorrow. Thanks for your advice.
#5
I can also confirm that this has happened to me with a couple of different companies. who use Mastercard.
Honesty has paid for me both times and I have been refunded.
#6
Yes its the way credit cards work, its a pain.
If you have £1000 on your card and pay off £999 of it, you will still get charged the interest on the full £1000. that'll be why you have such a heavy interest charge. As advised previously, I would call up and threaten to close your account and get a different credit card. Im sure they will let you off with it
#7
A tip for you & anyone else in this situ - I used to work for a certain High St bank's collections dept a few years ago - we used to get literally hundreds of people ringing in each month with this.

The terrible thing was, if somebody rung in & asked for a cost reversal, it was down to our discretion - there was no set rule or procedure. - So we used to play games like - reverse every other request, reverse the customer if they shared a surname with a celebrity, had a funny surname - anything to pass the time of day really. As a young, single bloke at the time, any female under 25yrs old never paid any costs if they got through to me!

Which leads me to the tip - Most banks' call centres close a tad earlier on Fridays. As well as this, the staff are usually in a better "Friday mood". So the best way of getting a result is by calling in on Friday evening- ( 7.30pm is a good time as not to busy 'cos Corrie is on & close to 'going home' time for the staff)- and when you call try & have a laugh with the person you speak to. If you're lucky enough to get a member of the opp. sex, chat em up, be a bit flirty etc & trust me, 9 out of 10 times it will work. Emphasise it's not a regular thing as well.The agent is in a good mood & is more likely to let you off with the costs.

Thank them over the top if they do it for you as well - good comments are always noted on accounts.

This plan only falls down of course if your banks call centre is in Asia & tbh, then you have no chance.

Its worked for me recently both with Natwest & Capital One.

Good Luck Pred!.
#8
Just hope its not an MBNA CC
#9
Its happened to me, i too forgot to pay it as it was a small sum, something like £5. I called them and told them that i had forgotten all about it and that i always pay on time, they checked my previous payments and took the charge off. Sure they will do the same for you, good luck
#10
At least not as bad as Crapital one I did owe £200 but sold loads of things to CEX, I was actually about £25 in credit(which shouldnt happen lol)

I assumed money wouldnt be taken from my bank that month but they did, my bank charged me £75(3x unpaid fees) but at least they refunded them, and Crapital one then chraged me £12 letter fee, £12 unpaid fee £12 unauthorised overdrawn fee(eh I as £25 in credit with them) then charged me these amounts twice then said they count the CEX transactions as refunds not payments.

Never got the money back.

Another time I paid my balance by debit card and was owing nothing.

They still took the full amount from my bank via direct debit about 2 weeks later claiming their system hadnt updated.

They refused to refund it so I did a chargeback from bank and then crapital one sent me a late payment fee for not paying and refused to refund that.

I currently owe them about £150 and about £90 of that is charges.

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