Late payment scam again

arealbasketcase

MABLE wrote: »

Its all in the terms and conditions but the majority of us are too lazy to read them. We then blame the credit card or bank when things do not go our way.

Some of us are too lazy to read other peoples posts too.

You quoted one of my posts earlier, being all high-minded about proactive you are, I suggest you re-read it. I spoke to MBNA 7 days before they were due to claim the DD or isn't that proactive enough. Funny how they didn't mention a requirement to give them more than 7 days notice during that phonecall, it was only mentioned when I rang them again to complain about the charge (oh and the interest they charged of £1.something). All charges refunded by the way.

I have absolutely no problem with paying for the services I receive, I have accounts in the UK, France and the US, only the UK banks claim to provide free banking. If they charge me appropriately according to their charging structure I am happy to pay, if the charge is inappropriate I don't let them get aways with it. Banks are in business to make money, fine, I just want them to be open and transparent and stick to their own rules.

matbe

banking is never free you always pay in some way

arealbasketcase

Matbe, note I say UK banks claim to offer free banking, I didn't say that I think they do.:rolleyes:

matbe

too much stella sorry

arealbasketcase

too much of the in-laws, that has to be worse than stella, doesn't it?:D

matbe

i dont know how much are in laws per pint ?

arealbasketcase

matbe wrote: »

i dont know how much are in laws per pint ?

too much!

Paul_Herring

Squire_Fulwood wrote: »

I remember the last one where they gave me two months warning and then charged me a £15 late payment fee when I had forgotten all about the letter and, indeed, made a late payment.

I'm failing to see the 'scam' here.

Squire_Fulwood

Being an on-line banker I was keen to look at my "payment due by" date for my credit card so that I could let you know by how far they brought it forward on this occasion. As you can imagine I am keen not to incur the £15 charge for late payment. So here is the on-line statement.

Summary

Available for Cash or Purchases£4,878.47

Outstanding Balance £821.53

Pending Transactions (rounded) £0.00

Credit Limit£5,700.00

Total Minimum Payment£18.48

Overdue Amount£0.00

Last Statement Balance£1,100.76 as of 02/07/2008


Last Payment Received£300.00 on 29/07/2008

Current Rates



Can anyone see what's wrong with this statement?
For those of you who can't .....there is no due by date on it at all.

YorkshireBoy

Squire_Fulwood wrote: »

So here is the on-line statement.

But that's not your statement...it's your account summary screen. Your statement screen should be the next 'tab' to the right.

Summary

Available for Cash or Purchases£4,878.47

Outstanding Balance £821.53

Pending Transactions (rounded) £0.00

Credit Limit£5,700.00

Total Minimum Payment£18.48 due by 15/08/2008

Overdue Amount£0.00

Last Statement Balance£1,100.76 as of 02/07/2008


Last Payment Received£300.00 on 29/07/2008

...although I do concede that even your summary screen *should* show the payment due date (as I've copied from my summary screen and shown above).

What does it say on your statement screen (the one with "This is not an official statement" on it) about the minimum payment due date?