halifax £25 late fee but paid on time!!!!!!!!

andy9808w

I have a Halifax credit card to which I set up a standing order from my Bank (Abbey) to pay the minimum monthly payment.
The first two months was paid without problem, put the third month I received a letter from the Abbey saying they could no longer make a payment as the sort code had changed.

Because I only had a few days to organize my next payment I rang the Halifax up to ask them how I could make payment without incurring a late payment fee. The person I spoke to explained because the payment needed to be paid that day and I would need to visit a Halifax branch and pay cash over the counter.
I therefore carried out this instruction and thought no more of it.

I have just received my statement to which I have a £25.00 late fee.
I have rang Halifax and explained what I was told, they told me that was correct but I did not make payment before 16:00hrs so this is not the same day!!!!!!!

I explained that I was not informed of this rule so it was not my fault. They then said they would go half way and credit my account with £12.50.

I again told them I was not happy and I was not going half payment with them.
Even though I was unaware for this super stupid 16:00hrs ruling, I am positive I made this payment before 16:00hrs.

Has anyone had this problem, or if you have any advice, it seems this bank has lost the plot when it comes to customer service.

charlieboycat

andy9808w wrote:

...or if you have any advice ....

Not sure how you manage to pay a variable minimum payment by standing order - but my advice would be to pay it by direct debit. That way they can never charge for late-payment, even if they collect the direct debit late.

Karnam

If you paid over the counter there should be a reciept of some kinda that states what time Halifax recieved the money. And I think you're very lucky, normally it takes 3-5 days for money to go from the Counter at Halifax to the credit card account.

Caped_Avenger

charlieboycat wrote:

Not sure how you manage to pay a variable minimum payment by standing order

My guess would be that the S/O was set for an amount which would always be greater than the minimum payment.

I would almost always recommend setting up a minimum payment D/D for any credit card. Unless you've got a full payment D/D