Barclaycard claim they have not received payment!

Moggles_2

If you want an easy life, my advice would be to allow more time for your payment to clear in future. Some months, you may get away with three working days, but why take a chance?

Barclaycard has pretty good online services. If you've registered your details on the website, you can pay bills faster there of course.

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

From feedback here, B'card will refund the charges as a goodwill gesture, provided that it's a "first offence" and you ask nicely.

Scrilla

Geenie wrote: »

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

I made an internet payment to my sister's account a few days ago. Barclays and the receiving bank operate under faster payments. We got concerned when the money was not in her account the next day. I called up the bank and it turns out there was a message on the web site saying there would be delays in payments. They said the money should be safely transfered but will take a couple of days longer. Money arrived in my sister's account this morning.

I know I'm talking about transferring from Barclays to another account, but barclaycard and barclays are pretty much one and the same. Perhaps the payment delay affected you and this could be the reason why your money arrived late through no fault of your own? Worth querying.

cos_2

This thread prompted me to experiment with paying BC. I have a min DD set up to make sure I don't get hit with late payments, and then make a manual payment to clear the balance. This time round my due date is the day after payday :eek:

So, last night I paid them a tenner from my HBOS account to see how long it would take. Got an email from BC today, thanking me for my payment Now I know that the faster payments system works between HBOS and BC, and I can transfer the full payment on my next payday to clear the account (and no overdraft fee).

Since I sent the payment quite late, maybe around 11p.m., I think I should be ok.

Sorry the OP missed out, though

Moggles_2

Now I know that the faster payments system works between HBOS and BC and I can transfer the full payment on my next payday to clear the account (and no overdraft fee)

If only this were so.

In theory, transfers between scheme members are covered by the faster payments system but, IME, it still doesn't operate 24/7 even between accounts held by participating banks.

Note: please be aware that if a manual payment is made, regardless of the amount, no money is taken by DD that month by Barclaycard.

Geenie

Moggles wrote: »

If you want an easy life, my advice would be to allow more time for your payment to clear in future. Some months, you may get away with three working days, but why take a chance?

Barclaycard has pretty good online services. If you've registered your details on the website, you can pay bills faster there of course.

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

From feedback here, B'card will refund the charges as a goodwill gesture, provided that it's a "first offence" and you ask nicely.

Hi Moggles, I understand what you are saying, but I had a payment set up which was the date Barclaycard stated I should do it on!! So if not good enough, why state it is acceptable on my statement! It went out of my Nationwide account 5 days before the due date, not 3.

Moggles_2

Geenie wrote: »

I understand what you are saying, but I had a payment set up which was the date Barclaycard stated I should do it on! So if not good enough, why state it is acceptable on my statement! It went out of my Nationwide account 5 days before the due date, not 3.

The day you action the payment doesn't count, nor Saturdays and Sundays.

If you started the process on the 22 July, you allowed 3 working days to the payment due date on 27 July.

chattychappy

Geenie wrote: »

Hi Moggles, I understand what you are saying, but I had a payment set up which was the date Barclaycard stated I should do it on!! So if not good enough, why state it is acceptable on my statement! It went out of my Nationwide account 5 days before the due date, not 3.

Can you explain exactly what you did? What does "but I had a payment set up" mean? My interpretation of:

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

is that you logged on to the NW online system on the 22nd and told them to do the transfer. Instead of choosing the default of "today" you dropped down to select "24 July". Is that correct? If so, then the money was sent on 24th - and it's understandable that it was received on 28th.

I normally select "today" from the drop down list when I send payments. (Note the interest rate is now 0% on flex accounts). On the statement date it just shows "Transfer" on the date I sent it - no "withdrawal" date.

Inactive

Could any of this be related to the Barclays recent internet outage?

Geenie

chattychappy wrote: »

Can you explain exactly what you did? What does "but I had a payment set up" mean? My interpretation of:

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

is that you logged on to the NW online system on the 22nd and told them to do the transfer. Instead of choosing the default of "today" you dropped down to select "24 July". Is that correct? If so, then the money was sent on 24th - and it's understandable that it was received on 28th.

I normally select "today" from the drop down list when I send payments. (Note the interest rate is now 0% on flex accounts). On the statement date it just shows "Transfer" on the date I sent it - no "withdrawal" date.

Hi chattychappy,

I will explain what I do, because even though not a DD, I think it is as good as.

I receive this month a statement from Barclaycard for what is spending during June.

It arrives on the 7th July.

There are several dates on the statement, but I always adhere to the pay at bank date, which is 5 days earlier then the final payment due date.

On the very same day I receive the statement, in this case the 7th July, I set up a payment via my Nationwide account, to go out on the date that Barclaycard states it should be sent, in this case the 22nd July, paying via a bank.

So on the 7th July, I set up a payment with Nationwide to pay Barclaycard on the 22nd July the full amount I owe them. This is all done via a card reader and various checks, plus I print off the transaction when set up.

On looking at my Nationwide account on the 22nd July, the money for Barclaycard had left.....and this was 7am in the morning, so probably went out at midnight! It doesn't register as being anywhere at this stage, but appears to be floating in hyper bank space!

On the 24th July, my Nationwide account then stated that the sum had been paid to Barclaycard. I take this to have been cleared. Yet on the 27th July, (the due date for payment to Barclaycard) the payment didn't register, and infact didn't appear until the 28th July, 6 days later.

Who is in the wrong?

No interest or late charges on my account so far, but I will be well miffed if they do so.

chattychappy

Geenie wrote: »

So on the 7th July, I set up a payment with Nationwide to pay Barclaycard on the 22nd July the full amount I owe them. This is all done via a card reader and various checks, plus I print off the transaction when set up.

On looking at my Nationwide account on the 22nd July, the money for Barclaycard had left.....and this was 7am in the morning, so probably went out at midnight! It doesn't register as being anywhere at this stage, but appears to be floating in hyper bank space!

On the 24th July, my Nationwide account then stated that the sum had been paid to Barclaycard. I take this to have been cleared.

OK right, thanks. Well, I feel Nationwide have messed up. It seems to me that the payment should have been sent in the 22nd, but for some reason it wasn't sent until the 24th. I don't understand what it was doing between those two days - you did have the cleared funds on the 22nd?

Can't think of anything else useful to say. I do suggest you pay Barclaycard via their website - though you can't set that up in advance. In general when I've sent money from Nationwide it's gone through the next working day, or the day after that at the latest. Paying via Barclaycard's website it's gone through the next day. It really seems something went wrong this time.