Direct Debit !!!! up has cost me.

PUPENHAUSEN

Need a bit of advice. I applied for a Halifax credit card with 0% purcases for 9 months with a credit limit of £4200, and filled in the direct debit form and sent it back. I get my first statement on 20th of Nov saying £0.00 to be repayed by 15th of Dec.
I didnt get a statement on the 20th of December and I didnt think about it as I moved into a new house the Saturday before Christmas.
I now get a statement on 20th of Jan saying I owe £4220.57. I made sure I only spent £4196 but I have been charged £12 late fee, and that has brought me over my limit so I have also been charged £12 overlimit fee! They now say they didnt get the direct debit instruction in my original application form, they also said when I rang them to change my bank account details to my joint account on the 2nd of Jan that they had not recieved a direct debit instruction. I rang them and said that I have confirmation from 3rd of Jan that a direct debit is being set up but they said they couldnt take out a payment before the 15th of Jan deadline as it takes up to 6 weeks to set up, which wasnt mentioned to me! I have now lost my 0% for 9 months, and have to pay fees and interest on a card I have only just got. Is there anything I can do?

Calchas

Ring them and explain what happened and ask if there is anything they can do.

I would guess that a liitle bit of humility will serve you better that taking an accusatory tone.

anna42hmr

i agree, stay calm be nice and see if they are willing to help,

to be honest, not sure what your chances will be because as well as the statement message, they also used to send a letter stating that they are in the process of setting the dd up and confirming the account details and issueing the direct debit guarentee slip on it including the ref number and it states on there also to keep paying manual payments until advised otherwise

so they may turn round and say they have issued 2 lots of correspondence. also they could say that you could have checked on your current account to see if a dd has been set up.

going in all guns blazing will get the staffs back up, so less likely to help you afterall they cant be responsible if you havent received the post as it was sent to the wrong address if thats what they have for you,

have you changed the address now, as that may go in your favour when you say that you didnt receive the correspondence, as if they can see a recent address change to support it, they may realise its been a genuine mistake and be more likely to help