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Personally I sort of think perhaps the line probably crossed into MS territory when the workaround was used to purchase an unreasonable amount of credit with the energy supplier rather than paying an actual bill? If it had been paying a debt to the company maybe fair enough, but if that was the case their would be no refunded needed.
The OP used a workaround to be able to pay their bill with an Amex. That is the most basic MS we can have.
It really isn’t a workaround – it is a fully accepted and advertised way of paying bills. If the OP did not plan to load up his account and then leave the provider with the intention of getting a cash refund it clearly wasn’t MS.
It is advertised that you can pay with a credit card at certain co-op stores while most places where paypoint is accepted don’t accept amex for said payments (and some don’t even accept credit cards at all)? All righty then, I must have missed all those advertisements. And all the people here saying to not show that it is amex and just insert the card, etc., have been quite silly then!
I loaded Octopus with £5,000 when I wanted to do £500. They refunded the whole lot within 3-4 days. No help to you of course but just my 2 cents that I covered one of your 4-5x mistakes.
I loaded Octopus with £5,000 when I wanted to do £500. They refunded the whole lot within 3-4 days. No help to you of course but just my 2 cents that I covered one of your 4-5x mistakes.
Presumably you made a direct payment (? with a credit card) & they refunded to the original source. That will have cost them nothing & doesn’t raise money laundering suspensions unlike OP’s actions.
I wouldn’t call the amount unreasonable given my energy bills are around £5k a year. It’s definitely not MS – even a quick google search can tell you that!
If you think that’s MS, me topping up my oyster to the maximum limit of £90 is MS (whether they take Amex directly or not is not the point)
I agree with TheGasMan – Octopus would have refunded back to your Amex and hence no suspicions of AML and no cost to them
I wouldn’t call the amount unreasonable given my energy bills are around £5k a year. It’s definitely not MS – even a quick google search can tell you that!
If you think that’s MS, me topping up my oyster to the maximum limit of £90 is MS (whether they take Amex directly or not is not the point)
Now you’re starting to sound like an idiot…trying to defend the indefensible and making it sound worse in the process!
@anon if you spend £5k per year on energy bills you would reasonably spend just over £416 per month, spread over 12 months. Paying £5k in under 2 months is going to raise a red flag.
Are you any closer to getting your money back or for it to be transferred to your new utility provider? I’m guessing not.
Whether you think it’s not MS isn’t the issue. And it doesn’t really matter whether any of us think it is. The issue is whether your old utility provider thinks you did something dodgy. Clearly they aren’t satisfied with what you’ve told them so far.
@anon123456 your best bet at this stage may well be to switch back to the provider that has the £5k and stay with them until that balance is used up.
I don’t understand one thing in this thread.
OP already said that he made a mistake and seeks a solution. Yet majority of the posts are like “you shouldn’t have done it”. How is that helpful? If you don’t wanna help, don’t say anything.
As if none of us ever messed up things in this miles game.PS: I have no idea how to fix this problem.
I don’t understand one thing in this thread.
OP already said that he made a mistake and seeks a solution. Yet majority of the posts are like “you shouldn’t have done it”. How is that helpful? If you don’t wanna help, don’t say anything.
As if none of us ever messed up things in this miles game.PS: I have no idea how to fix this problem.
Because people love a pile-on and confirming to themselves how smart they are? I don’t think there’s a solution apart from waiting…
I don’t understand one thing in this thread.
OP already said that he made a mistake and seeks a solution. Yet majority of the posts are like “you shouldn’t have done it”. How is that helpful? If you don’t wanna help, don’t say anything.
As if none of us ever messed up things in this miles game.PS: I have no idea how to fix this problem.
I also have no idea how to fix the problem. I said so in my original post. In reality that is also the case with most of us here hence the resulting posts saying you shouldn’t have done it. That said they are helpful to others who may be daft enough to consider doing something similar. Let this thread be an example of what not to do.
@SteveJ immediately before your post has come up with the most sensible option so far. But that assumes the original energy provider will have OP back. Plus OP switched because the provider didn’t have an EV rate.This isn’t MS.
OP, at this point just do a charge back.
OP, at this point just do a charge back.
Against the Co-Op? Why? Also, that would be 25x chargebacks as each top-up would have been £200. Won’t work…
This isn’t MS.
OP, at this point just do a charge back.
Why?
They got the product they paid for – i.e. a credit in their electricity account.
Also it’s been more than 120 days since these payments were made.
Also this was an AMEX business card apparently being used for a personal expense and that’s not an issue the OP wants AMEX to start looking into.
(and since this wasa business card s75 doesn’t apply either)
Find another supplier to change to? presumably closing the account with the dispute?
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