Barclaycard claim they have not received payment!

Geenie

Hi credit card savvy people. I hope you can help me with this, as I am worried I am going to get slammed with interest, late payment costs and a black mark on my credit score!

This months bill was payment due date the 27th July and pay at a bank by the 22nd July, which I always adhere to and set up in advance to go through via my Nationwide account. I always check after to make sure it has gone through, and it usually shows on my Barclaycard account as having been paid to them a few days after the "pay at bank" date, and well before the "payment due date"

This is what it says on my Nationwide account at the moment for the money paid and yes I did have the funds in it to cover the amount.

24 Jul 2009Transfer to BARCLAYCARDVISA. Withdrawal date 22 July 2009.


Yet this payment is not showing on my Barclaycard account as having been received, and there are bright red sentences of I have missed the minimum payment this month! I always pay the balance off in full every month by the way.

Firstly, am I correct in thinking that the money was received by Barclaycard on the 24th July, and that it is some !!!! up by them, as I have emailed them to ask why it hasn't come up as received on my account! Or have I missed something with the Nationwide end, and transfer doesn't mean that Barclaycard have officially received it yet, and a few more days are needed to clear?! IE, Nationwide have c!cked up. Or is it me!

I am a bit confused and hate the thought of having a black mark on my credit score, let alone paying interest and late payment charges, when I wasn't late.

I hope all of this makes sense and thanks for any advice.

fozmcfc

Not sure how many working days you should leave, but it could be that the payment was made to late, particularly if it says you should leave at least 5 working days for payment to clear to your account if making payment at a bank.

In this case it is 4 at a push if you include the day you made the payment.

If it is the case then you could contact them and ask them as a gesture to withdraw any charges

I've been caught out in the past with this, so now always set up direct debits, that way it is definately up to the card company to take payment.

LeeSouthEast

I presume you put your account number in the ref field? BarclayCard may have it but not know it's from you?

I always have DD's set for the minimum... saves this hassle every time!

chattychappy

I have always used the online bill payment service on Nationwide to pay Barclaycard. It has almost always hit my Barclaycard account on the next working day. When it hasn't, I believe it's because I've done it late in the day, but I'm not sure.

I'm not clear what the distinction between "withdrawal" and "transfer" date is. I get this on some transactions, but not for bill payments to Barclaycard. I'm assuming the earlier "withdrawal" date is when you set it up, and the "transfer" date is the date is leaves Nationwide. It wouldn't be when it arrives at Barclays.

So in this case it left Nationwide on 24th July, which was a Friday. Based on my usual experience it would have arrived yesterday - 27th - just in time. It is very tight... But today you've checked your account and it's not there.

It could be that tomorrow when you check, the payment has been posted and dated back to the 27th and all the warnings disappear. Perhaps that's wishful thinking... But I have observed similar effects before with MBNA. ie Check Tuesday, nothing showing on Monday, check Wednesday and a payment is shown as having been received on Monday.

Else I'm afraid you left it too late - the money leaving Nationwide on Friday for delivery by Monday is cutting it rather fine and it looks like you didn't get away with it. As a goodwill gesture perhaps they'll refund fees and preserve any deal you're on. One slightly missed payment like this will have little impact on your rating.

Fingers crossed for tomorrow.

[NB CHECK MY LATER POST]

PNPSUKNET

I would appeal to their better nature, but I always use the pay online on their website to pay the platinum card off.

chattychappy

You've just prompted be to look again.

My earlier post is misleading - I sometimes paid on B/C's website. Then it always went through next day. When I paid using Nationwide's online system, 2 working days is more normal.

Not looking so good for the OP, unfortunately.

By the way, I once forgot HSBC until the payment due date. I went into a branch with cash - and it was applied the same day (despite the clerk assuring me it wouldn't make it)!

Geenie

Many thanks for the response. I have always set up with Nationwide to pay Barclaycard on the date they state to pay via a bank. It has always gone through OK before, often the next day or two, certainly received 2 or 3 days before the final due date.

So I am surprised that it has not done so on this occasion, despite the money leaving my Nationwide account on the 22nd July, and then registering as having been paid to Barclaycard on the 24th! The money had to reach by the 27th.

I will see what they say in response, but I am getting a bit of a downer on CC's now. Not only this, but the fraud stuff is seriously getting hair raising now! I am not sure I want the hassle anymore, but may feel differently in the morning.


Many thanks for the response MSE'rs. I may have a scary bill coming next month what with interest and late payment on a £1400 bill I thought I had paid! What a bummer.

Time to start paying for everything in cash I think!


Edit, I have just checked again now, and it has gone through today the 28th, so one day late!

chattychappy

Geenie wrote: »

So I am surprised that it has not done so on this occasion, despite the money leaving my Nationwide account on the 22nd July, and then registering as having been paid to Barclaycard on the 24th! The money had to reach by the 27th.

I feel there could be a misunderstanding here. Did you enter the transaction on the 22nd, but for sending on the 24th? When you're doing the online payment thing, you can put in any date starting from today's date. But the date you put in isn't when it will be received - it will be the sending date.

I don't read your statement as meaning "registering as having been paid to Barclaycard on the 24th" but merely dispatched then to Barclaycard - for receipt later.

Unless I'm missing something??

Real pity you missed by one day - perhaps you can ask them nicely?

bengal-stripe

Geenie wrote: »

This months bill was payment due date the 27th July and pay at a bank by the 22nd July, which I always adhere to and set up in advance to go through via my Nationwide account.

24 Jul 2009Transfer to BARCLAYCARDVISA. Withdrawal date 22 July 2009.

That’s how I read it:

The money left your account on Friday 24th of July. It was due to be received on Monday 27th of July. Saturday and Sunday are not working days.

What do you mean with “pay at a bank”. Do you go to the counter and ask them to transfer it to the card? Even if this done after official banking hours, it should have gone the next day Thursday 23rd, and (probably) would have arrived in time; although, taking the weekend into account, you were cutting it incredibly fine. For one reason or another, it appears the money has left a day later, so it could not have arrived on time.

It might be time for you to get into the 21st century and do your own banking and transfers via the net. (Of course a DD would even simpler.)

vet8

bengal-stripe wrote: »

That’s how I read it:

The money left your account on Friday 24th of July. It was due to be received on Monday 27th of July. Saturday and Sunday are not working days.

What do you mean with “pay at a bank”. Do you go to the counter and ask them to transfer it to the card? Even if this done after official banking hours, it should have gone the next day Thursday 23rd, and (probably) would have arrived in time; although, taking the weekend into account, you were cutting it incredibly fine. For one reason or another, it appears the money has left a day later, so it could not have arrived on time.

It might be time for you to get into the 21st century and do your own banking and transfers via the net. (Of course a DD would even simpler.)

I would have thought it was obvious what the Op meant.

The "pay at a bank" bit is what it says on the statement telling you the latest date you can pay it at a bank to guarantee it is paid on time. As I read it he pays online or by phone on or before that date and quite rightly expects his payment to go through quicker than it would if he paid by a cheque at a bank.

chattychappy

vet8 wrote: »

I would have thought it was obvious what the Op meant.

The "pay at a bank" bit is what it says on the statement telling you the latest date you can pay it at a bank to guarantee it is paid on time. As I read it he pays online or by phone on or before that date and quite rightly expects his payment to go through quicker than it would if he paid by a cheque at a bank.

We need him back to clarify! He wrote: " ...which I always adhere to and set up in advance to go through via my Nationwide account."

Nationwide have a facility to set up a payment in advance. Ie you log on and say to make the payment on a future date. I'm wondering if he set the payment up on the "pay at bank date"... but to go 2 days later (hence the two different dates on his statement), thinking he still had time before the due by date. He appears to be thinking that the latter date on his statement is when it would have been received by Barclaycard - but I believe that is the date it was dispatched and therefore wasn't received on time.