I decided to give my TSB credit card the heave ho, the amount of issues I can’t dealing with them any more.
So I opened a new credit card with virgin money (0% on balance transfers and 0% interest for 30 months… Why thankyou Richard…)
Transfered my entirely balance over. Didn’t cancel the cards as no fees and leaving it open gives me more credit and makes my credit score better.
What I didn’t realise is at the same time the balance transfer was processed, my normal £150 direct debit was also already processing.
So now I have a credit card where its paid off in full PLUS an extra £150…over paid in other words.
I contacted TSB to see about getting it refunded only to be told “oh we don’t do that, we’ll just take it off your next direct debit”…
Sorry… Off my next direct debit… Of £0?
Apparently they’ll just let me spend it. I don’t want to spend it. I want it back.
Is that even legal? After all it’s my money. They have no legitimate reason to keep it.