Yes I understand what you are saying - I have paid 75% of this loan but have not been making regular payments over the last year.They should apply it where it was intended.
You should get better at paying your credit union loan, it is the other members from your local community you are not paying back not some faceless entity.
Really? Why would they have done that?as IBAN numbers are recognised by the computer system.
What sort of bank transfer was it? What account number did you put that it was to go to? Putting something in the reference field may not make it go to the right place. Normally an online transfer will go from your account to whatever sort code/account no/iban you put on it. The reference is just that, a reference and might only be a note to yourself or the receiver as to what it was for.
I would guess that the op got it wrong and transferred into her loan account. Putting something in a reference field is just for the account holder to know what the transfer is.
Eg, if I send a payment to a sports club credit union account, I'd put my club membership number as reference. This means that the club secretary knows the member number.
Each cu account has an individual Iban, so before blaming the cu, maybe check everything on your side first. My guess is that the error is yours.
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