Bank Payments

[galasalmon]

Can someone explain the answer to the following question please,

I bought a washing machine last year and have paid insurance for it byP O S monthly from RBS
A fortnight ago I got a letter from Curries saying that the bank had declined the payment and I wouldn't be insured etc if it wasn't paid . I phoned the bank and was told that payment was nothing to do wih them and did I tell them I had a new debit card . It was news to me as I have had the card since 2013 but girl argued with me it was renewed in July this year ? thought the 13 was a 15, Question is if it is nothing to do with the bank who has been taking the payment off every month since last year , I do have enough money in my account to have paid it , I have moved it to direct debit. Thanks anyone who can explain it.

[fiction-factory]

I'm confused- has your card expired or not?
I'm not sure what you mean by POS - is that a standing order/DD?

[fiction-factory]

If your card had expired and you weren'y paying by DD then you had given the insurer permission to request it each month from your debit card- which they did until it expired. So it wa sthem taking the money not RBS. that's my guess if it had expired and depending on what POS is

[Jackdaw33]

It would appear that you were paying via your debit card which has been replaced, therefore the old one is invalid.

[gingejbee]

Just as an aside....why are you paying any insurance (presumably breakdown cover) on a new washing machine? Has Currys been pushing it's useless cover again?

[galasalmon]

I am confused too P O S means point of sale . It was girl on telephone who said my card had expired which it hadn't , it doesn't expire until 2016 so had no reason to tell them that when it hadn't . remains a mystery. Thank you.

[Jackdaw33]

Have you recently been issued with a new card?

[bednobs]

are you sure it wasn't CPA?

[fiction-factory]

It seems to have been sorted now and it seems they were taking the money from RBS although I'm confused between the 3 expiry dates of 2103, 2015 and now 2016 and it seems the bank and/or the insurer were confused too

[galasalmon]

Thanks . I got the card in 2013 , expires 2016. Girl in Bank told me I had got it in 2015 but think she must have needed to go to specsavers and thought the 3 was a 5. It is sorted but just wondered how bank said it is nothing to do with them when it is taken off my bank account

[fiction-factory]

It is the insurer who requests it. If they have authorisation the bank should pay it.
If teh card was valid I don't see why RBS would have declined it. I think it's more likely that the insurer had the wrong date on its records and didn't submit a request once the date had expired

[galasalmon]

Thanks . only problem date hadn't expired . but all sorted now.