RBS Charging When You Pay RBS With RBS Card

A question about : RBS Charging When You Pay RBS With RBS Card

A supplier of ours assigned their invoice to RBS finance.

We called RBS to pay (with an RBS Mastercard).

RBS tried to levy a 1.74% credit card processing charge (when using their own RBS credit card!).

So in effect the RBS LEFT hand is paying the RIGHT hand and I incur processing charges as a result?

RBS used to own Worldpay (who process RBS credit card payments) and all indications are that RBS pay at least 50% less of a charge than that which they charge.

At this point I have refused to pay the charges, they now wont let me pay the invoice without charges! Cue the debt collection agency next!

I'm sure that RBS are not allowed to do this, just wish I knew the laws around this...

Best answers:

• Thanks for the reply.
  We have no written agreement with the supplier, but he used RBS factoring which means we cannot pay the supplier direct.
  As stated above RBS wish to charge for using an RBS mastercard credit card to pay an RBS factored invoice.
  I could pay by debit card (no fee) but wish to use the credit card option.
• Simple solution dont pay with a credit card.
• AquaMania, I appreciate your reply but I do have to point out that my opening post stated I was paying via credit card and that it was the use of the credit card that prompted the charges.
  I've never stated the charge applied to paying by debit card. I've chosen to pay by credit card as I need to defer the payment to a future point.
  dunstonh: I'm not going to state here what field I work in, but the same logo DOES make them the same company in the sense that the parent company owns all subsidiaries. RBS finance, Streamline, RBS factoring etc are all owned by RBS PLC, the one and same company....So if RBS factoring charges me a fee, that allegedly they incur from RBS finance then RBS finance has now gained out of the transaction. At year end all profits and losses are consolidated into RBS PLC.
  At this point RBS PLC has made Ј19 out of me on 1 transaction because the real cost is close to NIL due to the automated clearing systems.
  The question then is should I be charged by RBS for a transaction they are handling internally as a group (as opposed to paying with a non RBS credit card which would be cleared by another bank at which point a greater cost is incurred.)
• You want to pay with a credit card as that's convenient to you. There is a charge applied to credit cards.
  There are extra costs associated with handling credit cards, there are also extra protections offered to you are purchaser.
  Everything else relating to who issued the card etc is irrelevant.
• Thanks for the replies everyone..