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  • FIRST POST
    • Bonfire Bride
    • By Bonfire Bride 14th Oct 16, 10:13 PM
    • 664Posts
    • 817Thanks
    Bonfire Bride
    Direct debit not debited?
    • #1
    • 14th Oct 16, 10:13 PM
    Direct debit not debited? 14th Oct 16 at 10:13 PM
    Ola!

    I have a 0% balance transfer Hallifax credit card that has a balance of just over 1000. About a week ago, I made a payment of £300 against the card which has been debited from the balance. My normal direct debit of 100 has not been taken as normal.

    I always thought the DD would be taken no matter what payments are made towards it through the month?

    Thought Id ask here before I give them a call to query it.

    TIA
    Mummy to 2 little boys born in 2013 & 2015
    House on the market for 19 months ....SOLD! ...complete!
    Natalie
Page 1
    • YorkshireBoy
    • By YorkshireBoy 14th Oct 16, 10:16 PM
    • 28,328 Posts
    • 16,136 Thanks
    YorkshireBoy
    • #2
    • 14th Oct 16, 10:16 PM
    • #2
    • 14th Oct 16, 10:16 PM
    No need to ring them. Just read your statement message...front page, right hand column, last paragraph...the one that tells you when they'll collect the DD.
    • zx81
    • By zx81 14th Oct 16, 10:16 PM
    • 9,372 Posts
    • 9,208 Thanks
    zx81
    • #3
    • 14th Oct 16, 10:16 PM
    • #3
    • 14th Oct 16, 10:16 PM
    No. The DD is reduced to account for any manual payments made 4 or more days before the DD is taken.
    • Bonfire Bride
    • By Bonfire Bride 14th Oct 16, 10:21 PM
    • 664 Posts
    • 817 Thanks
    Bonfire Bride
    • #4
    • 14th Oct 16, 10:21 PM
    • #4
    • 14th Oct 16, 10:21 PM
    No need to ring them. Just read your statement message...front page, right hand column, last paragraph...the one that tells you when they'll collect the DD.
    Originally posted by YorkshireBoy
    It's usually the 13th, so I'm guessing zx81 is correct.

    I don't think I've ever received a statement from them. I just use my Halifax app which is pretty basic but lets me keep an eye on my savings account and credit card balance.

    Guess I'll be transferring another 100 then.
    Mummy to 2 little boys born in 2013 & 2015
    House on the market for 19 months ....SOLD! ...complete!
    Natalie
    • YorkshireBoy
    • By YorkshireBoy 14th Oct 16, 10:29 PM
    • 28,328 Posts
    • 16,136 Thanks
    YorkshireBoy
    • #5
    • 14th Oct 16, 10:29 PM
    • #5
    • 14th Oct 16, 10:29 PM
    It's usually the 13th, so I'm guessing zx81 is correct.
    Originally posted by Bonfire Bride
    zx81 is indeed correct. I was just encouraging you to go look for yourself, rather than risk some duff advice on here (not that you'd get any of that from zx81).
    I don't think I've ever received a statement from them.
    Yes you have. If you don't get paper statements you get online statements...it's one or the other...there isn't a 3rd option to opt out of receiving them! You just haven't been and checked them.
    • Westie983
    • By Westie983 14th Oct 16, 10:32 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    • #6
    • 14th Oct 16, 10:32 PM
    • #6
    • 14th Oct 16, 10:32 PM
    No. The DD is reduced to account for any manual payments made 4 or more days before the DD is taken.
    Originally posted by zx81
    You are partially correct, any manual payments made 3 or more days before the DD is due to be taken, will reduce or stop the DD being taken.

    If you want to make a manual payment and still use the DD for interest/rewards purposes, the make the payment 2 working days or less before the DD is due.

    This payment schedule is mentioned on the far left of the statement where your DD date is underneath account information.

    Westie983
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Sea Shell
    • By Sea Shell 10th Nov 16, 6:56 AM
    • 167 Posts
    • 106 Thanks
    Sea Shell
    • #7
    • 10th Nov 16, 6:56 AM
    • #7
    • 10th Nov 16, 6:56 AM
    On this same subject. if the DD was for £300 and you make an interim payment of £200, when the minimum payment due is £25, would they take £300, £100 or nothing (Santander CC).

    I've read the back of the statement and from what I can gather, they would still take £100. Do you concur? (I only ask coz no DD has gone out yet)
    • MallyGirl
    • By MallyGirl 10th Nov 16, 12:03 PM
    • 1,568 Posts
    • 3,775 Thanks
    MallyGirl
    • #8
    • 10th Nov 16, 12:03 PM
    • #8
    • 10th Nov 16, 12:03 PM
    diff credit card companies have different rules so you need to look at what your ones do - some will take the DD regardless of any payments made, some will ignore refunds when evaluating whether to take the DD, some don't take the DD if you have paid off the balance.
    • memberme
    • By memberme 10th Nov 16, 4:25 PM
    • 161 Posts
    • 39 Thanks
    memberme
    • #9
    • 10th Nov 16, 4:25 PM
    • #9
    • 10th Nov 16, 4:25 PM
    My santander card unfortunately does the same. I fixed the payments at £400 and whenever i make additional payments the direct debit reduces accordingly. Daft.....as the fixed payment is way above any minimum it's abviously an extra payment. Even their system says ...go here for extra payments.....so why just make it another way of mayking part of the DDB. ...daft
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