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Double payment to Amex card – charged just once

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  • Ryanfozzie

    Don’t shoot me down – but I’m expecting I’ll have to pay this back anyway, so thought I’d ask…

    Last week I made a bill payment to 2 of my Amex cards using a debit card….

    Card 1: Paid £152
    Card 2: Paid £20

    A day after, the payments showed twice (example):

    23/06/2022 – Payment Received – £152
    23/06/2022 – Payment Received – £152

    So my statement has gone down my payment made X2 and yes, I’ve only been charged once on my debit card. Do I call Amex to resolve? Do I shut up and expect to pay back this banking error eventually?

    Very strange….

    stevenhp1987

    I’ve seen a few people mention this on reddit. Seems to be happening with card payments atm.

    I would expect it to sort itself out. Either way I wouldn’t expect you to keep the extra.

    Ryanfozzie

    I’ve seen a few people mention this on reddit. Seems to be happening with card payments atm.

    I would expect it to sort itself out. Either way I wouldn’t expect you to keep the extra.

    Would you mind linking me to this? Haven’t found anything yet.

    Assuming it to sort itself/not keep the extra – just very strange!

    stevenhp1987

    I’ve seen a few people mention this on reddit. Seems to be happening with card payments atm.

    I would expect it to sort itself out. Either way I wouldn’t expect you to keep the extra.

    Would you mind linking me to this? Haven’t found anything yet.

    Assuming it to sort itself/not keep the extra – just very strange!

    https://www.reddit.com/r/UKPersonalFinance/comments/vlz21f/credit_card_payment_duplicated_in_my_favour_keep

    Peter K

    Same happened to me for 23rd June. I’ve left it, assuming it will be rectified automatically. If it’d been a couple of weeks I’d have been contacting them.

    The fact others have had it as well suggests to me that it will be sorted out without me having to spend my time on the phone.

    lordy

    Got a similar thing, just going to let it ride and see what happens. Looking at it a bit more closely the available credit limit hasn’t increased, so fully expect for the second payment to be reversed.

    Peter K

    As expected, it has been sorted out behind the scenes without the need to call. The second, erroneous, credit to my account has been removed.

    Scott

    Not exactly the same thing, but I recently had a random credit to one of my accounts of a small 3 figure sum.

    This is a card I don’t use much, and in the intervening period had spent only a couple of £ on it. After maybe 6-8 weeks the outstanding credit balance was zeroed (in their words, ‘refunded’).

    Just checked the bank account my DD payment is taken from, and there it is. Who’s going to turn down free money?!

    JDB

    Not exactly the same thing, but I recently had a random credit to one of my accounts of a small 3 figure sum.

    This is a card I don’t use much, and in the intervening period had spent only a couple of £ on it. After maybe 6-8 weeks the outstanding credit balance was zeroed (in their words, ‘refunded’).

    Just checked the bank account my DD payment is taken from, and there it is. Who’s going to turn down free money?!

    It isn’t “free money” as you describe it. It is an offence of dishonestly retaining wrongful credit under the Theft Act 1968 as you knew the money was incorrectly applied. The Act requires you:- “to take such steps as are reasonable in the circumstances to secure that the credit is cancelled”.

    Scott

    Not exactly the same thing, but I recently had a random credit to one of my accounts of a small 3 figure sum.

    This is a card I don’t use much, and in the intervening period had spent only a couple of £ on it. After maybe 6-8 weeks the outstanding credit balance was zeroed (in their words, ‘refunded’).

    Just checked the bank account my DD payment is taken from, and there it is. Who’s going to turn down free money?!

    It isn’t “free money” as you describe it. It is an offence of dishonestly retaining wrongful credit under the Theft Act 1968 as you knew the money was incorrectly applied. The Act requires you:- “to take such steps as are reasonable in the circumstances to secure that the credit is cancelled”.

    Thanks for the advice @JDB. I’ve just contacted via live chat to query, and the agent confirmed the credit was rightfully made, and even stated they would add a note to my account confirming our discussion “to make it easier and convenient” for me!

    Sometimes honesty is the best policy.

    Rob
    HfP Staff

    It’s happened to me as well, almost £1k. Expecting it to reverse in a few days.

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