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claim form for 9,000 for a credit card from 2004 - no NOA? *sorted under a TOmlin Order*

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  • 8 months later...

I paid a regular monthly payment to a debt collection agencies solicitor but instead of £15 by direct transfer from my bank my fat fingers keyed in £156.


I'm torn between contacting them and asking for the money back and risking a new financial assessment or keeping quiet and taking the hit.


The payment (and overdue review date) is the subject of a Tomlin order, so no real wriggle room.


What is peoples opinion apart from I have been rather careless?

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Well I did think of that, but I'd rather not pop my head over the parapet and get involved in another round of income expenditure fencing...


There's no doubt I do owe the money, I'd just rather not pay it quite that fast!

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explain to them the issue you have made, explain the hardship it will cause you and ask them how they are going to reimburse you and when. You should also have the opportunity to claw back the money via your banks system to recover amounts paid in error

Hope this helps



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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves


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My first port of call was the bank.

Even though I called up on the lunchtime of the day the transfer took place as the payment had been

(joyously, no doubt) accepted by the recipients bank there was nothing they could do.


I'm torn between telling the solicitors and them creating a bit of a fuss or lying low and biting the bullet.

At the moment I'm biting the bullet,. :roll:

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IMHO it would be a bad idea to let this go

- if the recipient is monitoring the account they will realise that your account was good for £156 this month

and may be hoping to increase future payments by varying the Tomlin order.



Contacting them to advise of an overpayment which has disadvantaged your other creditors

and/or cause hardship would be the route I would suggest



Given that there is a Tomlin order in place,

any refusal to refund the overpaid amount would not look good on their part.

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