Missing Payments

[suagrfury]

I was given payee account and sort code details by Bank of Scotland, in order to make monthly payments to a loan I took out with that bank.
Through my Woolwich account, I set up standing order/internet banking to make regular monthly payments.
Out of curiosity I contacted Bank of Scotland regarding my loan, and discovered that I was using an incorrect reference number, which turned out to be one of Bank of Scotland's contact numbers. The payments I had been making was not being credited to my account as my reference number was incorrect.
I have requested both the Woolwich, and Bank of Scotland investigate and locate the missing payments, as the money must be banked somewhere.
Woolwich have notified me that as the error was not theirs they are not obliged to assist.
I still await Bank of Scotland's response.
How can I retrieve the missing money, so that it can be credited to my account?
 

[Oneeyedvic]

I would agree that Woolwich are not at fault. So long as you can prove that you have been paying BOS, they should not have a problem finding the money. I am amazed that BOS has not written to you asking why you have not been paying if they haven't attributed it to your acount. For a bank not to contact you if you have not missed payments is very peculiar.

 

I would wait for BOS to respond. I would also contact Experian & Equifax o make sure that your CAIS iinformation is correct and that BOS have not put your acount as a default!

[stevie21]

If the sort code and account number are OK then *the money is in the correct bank account* and it's very likely that it will be a simple matter of BoS applying the payments to your loan account and wiping off any charges or interest.
The money will be in that correct account but you won't have gotten the credit for paying them as the wrong reference number was quoted.

If you haven't already, phone the BoS customer service dept that you'd normally deal with and ask if they have a missing payments dept. Say to them, "I've made payments of �xxx on these dates, quoting these bank details : the reference number was <xxxxxx> but should have been <yyyyyyy>. Please find this money and fix it all. Ta"

It's all very easy and they'll have done it a million times before.