AngryPerson
Registered User
- Messages
- 12
Hi,
I took out a credit card with EBS, who use MBNA - balance last month e2K.
My statement came from EBS asking that my min payment be paid by the 15th August- which is a Sunday. I went into an EBS branch on the 12th August and paid money off my account, in cash - e250.
My statement for this month came and it had a 'transaction' and 'posting' date both for the 17th August, not the 12th. I had been charged a e15 late fee plus my 0% interest had been turned off and e22 worth of interest applied. My new balance is e1787 not e1750.
I rang customer service and said I had paid my bill 3 days early, in an EBS branch in cash and that if the latest I could pay my bill in EBS was the 10th then the bill from EBS should have asked for the money on the 10th.
The woman I spoke to agreed to refund the e37 and get the 0% turned back on, however she told me 'in future I would need to learn to take responsibilty for my own actions'.
I told her EBS asked for the money on the 15th, I paid it in cash on the 12th, in their list of payment methods it only states that if you pay by cheque or in a post office that it takes 5 days to process and that I didnt accept that I was late - the statement makes no mention of how long a cash payment in an EBS branch will take. I would assume paying cash in an EBS branch on a credit card issued to me from EBS would be a same day transaction, or nect day at least.
She kept telling me I needed to 'take responsibilty for my actions in future' and I kept saying that I wouldnt admit to anything as I didnt feel I was late paying.
She told me then that as I had 'continued to talk across her' that although she had removed the e37 worth of charges from my account she was now going to reapply them.
I pointed out that this amounted to her charging me e37 for not agreeing with her, but she wouldnt budge has refused to remove them again (though they had previously been removed). I asked to speak to her supervisor. She went off the line for ages, came back on and said that they had agreed to turn back on the 0% interest but would not remove the late fee as I had talked across her. Ive asked for a manager to call me back and am still waiting.
1) How can paying in Cash in an EBS branch, on an EBS card need 5 days to be applied to my account? Why do they not say in the statements from EBS that cash payments in their own branches will take 5 days to process? The money was due on a Sunday, theres no way of getting it applied to my account on a Sunday. - and with 5 days to get the money on to my account then really the latest I could pay is more like Friday the 6th.
2) Can they remove charges from my bill and then reapply them if I wont agree with them that I was in the wrong?
3) If I pay EBS in time and EBS take 5 days to get the money to MBNA why am I charged the late fee?
I took out a credit card with EBS, who use MBNA - balance last month e2K.
My statement came from EBS asking that my min payment be paid by the 15th August- which is a Sunday. I went into an EBS branch on the 12th August and paid money off my account, in cash - e250.
My statement for this month came and it had a 'transaction' and 'posting' date both for the 17th August, not the 12th. I had been charged a e15 late fee plus my 0% interest had been turned off and e22 worth of interest applied. My new balance is e1787 not e1750.
I rang customer service and said I had paid my bill 3 days early, in an EBS branch in cash and that if the latest I could pay my bill in EBS was the 10th then the bill from EBS should have asked for the money on the 10th.
The woman I spoke to agreed to refund the e37 and get the 0% turned back on, however she told me 'in future I would need to learn to take responsibilty for my own actions'.
I told her EBS asked for the money on the 15th, I paid it in cash on the 12th, in their list of payment methods it only states that if you pay by cheque or in a post office that it takes 5 days to process and that I didnt accept that I was late - the statement makes no mention of how long a cash payment in an EBS branch will take. I would assume paying cash in an EBS branch on a credit card issued to me from EBS would be a same day transaction, or nect day at least.
She kept telling me I needed to 'take responsibilty for my actions in future' and I kept saying that I wouldnt admit to anything as I didnt feel I was late paying.
She told me then that as I had 'continued to talk across her' that although she had removed the e37 worth of charges from my account she was now going to reapply them.
I pointed out that this amounted to her charging me e37 for not agreeing with her, but she wouldnt budge has refused to remove them again (though they had previously been removed). I asked to speak to her supervisor. She went off the line for ages, came back on and said that they had agreed to turn back on the 0% interest but would not remove the late fee as I had talked across her. Ive asked for a manager to call me back and am still waiting.
1) How can paying in Cash in an EBS branch, on an EBS card need 5 days to be applied to my account? Why do they not say in the statements from EBS that cash payments in their own branches will take 5 days to process? The money was due on a Sunday, theres no way of getting it applied to my account on a Sunday. - and with 5 days to get the money on to my account then really the latest I could pay is more like Friday the 6th.
2) Can they remove charges from my bill and then reapply them if I wont agree with them that I was in the wrong?
3) If I pay EBS in time and EBS take 5 days to get the money to MBNA why am I charged the late fee?