I paid off my credit card balance around the same time that a direct debit payment was then made so my account is ~£100 in credit. I checked the forums for past examples and advice was to contact the card issuer (M&S) and request a refund.
I did that and they said I would have to ask my bank for a direct debit indemnity claim. My bank says they made no error.
I’ve contacted M&S again and said I want the credit balance returned via cheque and for the account to be closed.
Any advice? Am I doing this correctly?