Barclaycard moved payment date forward by 5 days

Moggles_2

This wheeze has been mentioned before, but cannot be stressed too often.

That said, there's no need for anybody to rely solely on postal statements.

If you register your details on the Barclaycard website, you can check monthly statements, recent transactions, payment due dates at any time of the day or night and pay bills online faster.

As above, it might be an idea to set up a direct debit to pay the minimum amount. That way, it's B'card's responsibility, not yours, to make sure the monthly repayments get there on time

mcjohnston

I have just been caught by this scam even though I pay by Direct Debit. My normal date to pay is around 5th of each month - convenient as I get paid the last Thursday of the month.

This month however I get a letter from my bank (Bank of Scotland) informing me that I will get a charge of £35 for a returned item - a direct debit by Barclaycard on 27 July. So now I have this charge as well as a late payment charge of £12. To say I am fuming is putting it mildly.

Do Barclaycard not need to inform me explicitly that they are changing the date of the DD?

YorkshireBoy

mcjohnston wrote: »

Do Barclaycard not need to inform me explicitly that they are changing the date of the DD?

They did didn't they...on the statement?

The requirement is to give you 10 days notice, which I assume they've done?

melb

I have rung Barclaycard in 2 or 3 occasions and politely asked if they would consider waiving the fees which they have done. I was able to point out that virtually every month for the past year the payment due date had been between say 3 and 10 of the month and then suddenly they slipped the odd one in for payment on 28 or 29 of the previous month. I must say they haven't done this to me for a good few months now. It does really stink

cyclura

vote with your feet and go elsewhere, I have just closed both my Barclaycard's (granted its a different reason, they reduced my limit as I paid off in full) Egg is the same date each month and I picked my payment date with them, I can also change the date should I ever need to as long as i give them 5 working days notice.

mcjohnston

YorkshireBoy wrote: »

They did didn't they...on the statement?

The requirement is to give you 10 days notice, which I assume they've done?

But that is not EXPLICIT - it is just a statement of the payment date not the DD date.

When I set up the DD I did ask that, once it was set up, would the DD always be at the start of the month - I was told yes.

It seems to make a mockery of the whole DD system - it makes it impossible to organise your finances so that they are done almost automatically.

If this is what they are doing I am going to cancel my DD and check my statement more thoroughly - I'll pay it online.

I am also going to contact the local and Scottish press as well as my MP.

dzug1

Well I've paid my Barclaycard off in full by direct debit every month since I've had it and they've never changed my payment date. I'm sure I'd notice if they did.

My only minor niggle is that after the DD has been paid it's the best part of a week before it 'clears' from the available balance.

vet8

mcjohnston wrote: »

I have just been caught by this scam even though I pay by Direct Debit. My normal date to pay is around 5th of each month - convenient as I get paid the last Thursday of the month.

This month however I get a letter from my bank (Bank of Scotland) informing me that I will get a charge of £35 for a returned item - a direct debit by Barclaycard on 27 July. So now I have this charge as well as a late payment charge of £12. To say I am fuming is putting it mildly.

Do Barclaycard not need to inform me explicitly that they are changing the date of the DD?

Exactly! It always annoys me when posters on here say smugly that a DD is the only way to pay your credit card bills. This poster has shown the major drawback of DDs. I have an MBNA card and they are always changing the date by which the payment must be received. It has moved from the 16th of the month, always forward, sometimes by as much as 6 days at a time and payment is now due on the 2nd. Fairly soon it will be due before I get paid, so if I had a DD it would also bounce as this poster has said and my bank would LOVE to charge me £38 for that.

Moggles_2

vet8 wrote: »

Exactly! It always annoys me when posters on here say smugly that a DD is the only way to pay your credit card bills. This poster has shown the major drawback of DDs. I have an MBNA card and they are always changing the date by which the payment must be received. It has moved from the 16th of the month, always forward, sometimes by as much as 6 days at a time and payment is now due on the 2nd. Fairly soon it will be due before I get paid, so if I had a DD it would also bounce as this poster has said and my bank would LOVE to charge me £38 for that.

Well, no payment method is infallible certainly. Even DDs are not always trouble-free.

Some forum users seem to have difficulty setting them up at all, others assume wrongly that additional manual payments will be treated by their new cc provider the same way as the previous ones and, as you say, your current account needs to be sufficiently well-funded to cover all your DDs each month, otherwise you're hit for bank charges on top of the late fees charged by cc companies. If you've avoided those pitfalls, your DD can still fail if your lender changes your account number and doesn't inform your bank. Then there's the DDs that are collected twice in one month when the payment date changes, not to mention those that are debited to old and new current accounts at the same time. If you forget to call your lender before cancelling a DD, they'll attempt to take it and you'll be charged.

It's all good fun.

jamesperrett

vet8 wrote: »

Exactly! It always annoys me when posters on here say smugly that a DD is the only way to pay your credit card bills.

There is a difference between paying off in full every month by DD and paying the minimum payment by DD. The latter is a very sensible thing to do for most people as it prevents any missed payments. I found some old credit card bills the other day and noticed that, despite thinking that I'm reasonably well organised, I regularly missed payments before I set up my DD.

I wouldn't want to pay off my whole balance by DD unless I was trying to use a credit card like a debit card.

Cheers

James.