Barclaycard unfbelievable - limits payments in!!

chattychappy

juliusceasor wrote: »

If one makes a payment by any means then one can not then make a payment of any further amount by ANY means above 3000 less the first payment period except with cash at barclays.

Nah.. this just doesn't make sense. Can't believe they would reject a payment via internet banking/BACS/telex transfer.

If anything I could understand suspicion about large cash amounts (money laundering concerns).

juliusceasor

chivers1977 wrote: »

When I go onto barclaycard online it says "we have recieved your payment but you can make extra payments here" - nothing about limits. Try online!

And there is nothing about limits for Paying by telephone using a debit card either.

bazster wrote: »

If anything I could understand suspicion about large cash amounts (money laundering concerns).

So could I but but they haven't in the past when I paid over 3000 but only made one payment that month.

chattychappy wrote: »

I simply do not believe that. You have got the wrong end of the stick somewhere. If you paid by BACS transfer then the system would not reject your payment. Really, it wouldn't.

Perhaps not I don't know but equally I couldn't afford to find out as the time for BACS to go through as opposed to a debit card (my normal and preferred method of payment) is much longer and I would have been charged interest.


If I got the wrong end of the stick I don't see how I could have twice. The initial call and recorded message said I could only pay a maximum of 3000 queried that with CS and they agreed. Now if that is a anti fraud measure and it's not a secret (as they tell you if you pay over 3000 and it seems to be a new thing) why isn't it in my terms and conditions or on my statement or my online account with them. If i new there was a limit then I would have known to pay slightly earlier using an 'alternative' method.

However having accepted the limit is 3000 when I attempted to pay that amount it again rejected the payment. Spoke to CS and this time the limit is 3000 but less any previous payments. What reason is that to now restrict the debit card. The previous payment was with Cheque using the credit slip provide on the statement paid in to Barclays branch.

Either the restriction is fixed or it isn't .

Both occasions I was told that to make the payment in person with cash at the bank other wise I would be charged interest. (which they have waived in this instance)

http://www.barclaycard-bw.com/media/bw_tc_cards_v1,4556,1.pdf

Nothing in there and nothing on my statements about

a) a limit of payment now at £3000
b) the limit of £3000 reducing by any amount previously paid in.


I know that paying by Debit card I can pay anywhere in the world by ringing the bank I have always done so.

opinions4u wrote: »

I have quoted the back of my own Barclaycard statement to you

And because I have always done so and "because I am a barclays customer I am registered with them for telephone banking I can pay up to 5.30pm on the payment due date" (paraphrased-It's on the back of my credit card statement) and still pay the amount off without being late without having to allow 3 days or whatever for money to clear.
Therefore I am practising moneysaving experts ethos and keeping my cash earning interest utilising the maximum interest free period to best effect.
Therefore when they change or add rules that make my preferred and accepted method of payment limited it is an unfair term. It penalises me unfairly as it allows me no recourse to make payment by other means except by cash by the due date.
Which I couldn't do so whether I had a cheque or not, faster payment or not, Envelpoe with a stamp on it -if they tell me only in person and only in cash.

opinions4u wrote: »

Quote:
No ATM I know of allows me to withdraw 5000 in cash in one or even two days yto then enable me to pay with cash.
Cheque books. BACS. Faster Payments. Cash. Online payments. Envelope with a stamp on it.

Whether you believe me or not I couldn't care less that is what was told to me on two separate conversations.

opinions4u wrote: »

If the restriction is on debit card payments, that's exactly what it is.

Fine so inform me of it prior.

opinions4u wrote: »

You make sure your financial affairs are under control before leaving the country. It's called personal responsibility.

Your whole attitude is unbelievably ignorant your manner is sarcastic rude and intolerant . My point was if I was abroad and paying my balance due by debit card I would be in no position to visit the bank in person with cash anyway.

opinions4u wrote: »

Quote:
If one makes a payment by any means then one can not then make a payment of any further amount by ANY means above 3000 less the first payment period except with cash at barclays.
Sorry. Still don't believe it. If you send an online payment via BACS they won't bounce it back. If you send a cheque through the post they won't refuse to process it.

bazster wrote: »

If you paid by BACS transfer then the system would not reject your payment. Really, it wouldn't.

chattychappy wrote: »

Can't believe they would reject a payment via internet banking/BACS/telex transfer.

Fair point, Perhaps you can but if did so the payment would not then reach my account on time, and given that: payment by debit card up and until 17.30 on the due date(source barclays cc statement) is acceptable with them, despite making a payment 3 days prior to this, I couldn't pay by debit card, then Barclays is by its action putting me into arrears with them, by applying a term that I and it appears no one else is aware of. Limiting my payment by debit card to £3000 which is in itself limited by any prior payments of whatever means. I do not think it is acceptable that I should then have to request they don't charge me interest because of it. I do not thin it is acceptable that they should only inform me of any limits at the time of payment it should be in the TCs or notified to me on my statement or via my online account with them.

bazster

juliusceasor wrote: »

<snip>

Tell the bank then, don't keep bellowing here at people who, frankly, don't quite believe what you are saying. Not saying you are lying, simply that you are mistaken.

Write to the bank, get them to put it down in black-and-white. There's no point in 'phoning them because it's so easy for misunderstandings to occur.

And if you finish up out of pocket, and you think it's the bank's fault, go to the Ombudsman.

Rob71

I can understand the frustration in not being able to do something fundamentally simple (every time I've tried to do similar, the payment gets approved and then a nice man from India wants to check someone's not messing with my card, before allowing the transaction to take place).

However, I have set up my CC (MBNA) as a bill payment option with my bank (HSBC), and can call through before 4pm (or use internet banking) and ensure it's "cleared" on time thanks to the miracle of faster payments. Whereas the Visa debit card doesn't clear my bank instantly (normally next day).

I paid just over 4k on Friday at about 3pm and it was showing against my CC within 20 minutes.

I think the above is basically a moot point - the real issue here is having a rule/condition imposed when there's nothing in writing to say that's the case. Experience tells me the call centre operative probably knows less about your T+C's than you do... try again, and if told you can't, get them to put this variation of the T+Cs in writing to you.

juliusceasor

What's not to believe. Firstly the automated payment system refused to accept payment over 3000 then it refused to accept the payment of 3000 it only accepted a payment of 2500 which is the 3000 less the 500 previously paid in. Ergo a limit of 3000 for debit cards not notified to me (less prior payments) is now in place.

Why shouldn't I raise it as an issue here and the fact that I am annoyed is not unreasonable as it could affect any credit through no fault of my own, and partly also due to the unwarranted sarcasm generated in this thread.

The mere fact other options of payment are available and others use whatever method is consumer choice. I elect to pay by debit card I am within the TC's to pay up until 17.30 on the due date, if there are restrictions on using this form of payment particularly if prior payments have been made then its reasonable to expect to know about them in advance.

Simple example if the balance was £3005 and only £3000 was paid by BACs due to funds available would you then not expect to be able to pay by debit card from say another account the remaining £5 due? would you find it acceptable you could not do so ?

Just because I am the first to raise this issue does not make it less truthful or any less factual. The fact I have raised it means that it flags it for anyone else that pays by debit card in full each month by the due date. Which is what this site is for among other things raising awareness to experiences.

Faster banking is an option I don't have on my account don't blame me it's the banks fault for delays on faster payment availability.

I will be writing to them.

Thank you ROB71 someone at leasts understands my point.

bazster

What you said was that you couldn't pay by any method. This is what I refuse to believe. More likely, what they told you was that if you wanted the payment to get there on time then you would have to do it in cash, which is not the same thing at all.

Anyway, they have already told you that they will waive the interest, and next time you will know what you can and can't do, so I really don't see a problem here.

juliusceasor

The thrust of my complaint was that they provided me a means to pay my card off up and until the due date and I have always availed myself of the same methodology, paying by debit card.
From my perspective at the last minute they restricted that method of payment and because I had made a prior payment within the same statement date that I could not pay even the restricted amount of 3000. There is nothing in writing about this anywhere so I could not know about this limit.
Keep in mind to make a payment by debit card both cards have to be registered at the same address, they have a record of my making regular payments using the same card and although a payment is made it not deemed to have been accepted until it clears, I couldn't be expected to know of any restriction nor do I see the point, it seems pretty well covered, I also can't see why the limit applies to the automated payment system in totality and not per card payment in. how does it prevent fraud as they say?

Therefore this forced me into being late because other forms of payment would not reach them on time and interest would be charged.

Finally I have just had a conversation with management about this and I have been misinformed by them, the earlier payment by any means other than debit card should not affect the limit set on the automated telephone banking although it did in this instance and they are looking into that. If however I had paid by debit card it would have. Therefore the limit on paying by debit card is £2999.99 but they don't tell you this until you attempt to pay more than this I also haven't experience this limit in the past.
They have also told me that they are reviewing the information provided to me as I was told by one person the only method I could make a payment was by going to the bank with Cash they did not make it clear that this was the not the only method nor was the limit across the account. However this was the only method to prevent the amount appearing late.

What you said was that you couldn't pay by any method.

yes I did not initially but I did say that because that was the impression I was given. However I did acknowledge that

Fair point, Perhaps you can but if did so the payment would not then reach my account on time, and given that: payment by debit card up and until 17.30 on the due date(source barclays cc statement) is acceptable with them, despite making a payment 3 days prior to this, I couldn't pay by debit card, then Barclays is by its action putting me into arrears with them, by applying a term that I and it appears no one else is aware of. Limiting my payment by debit card to £3000 which is in itself limited by any prior payments of whatever means. I do not think it is acceptable that I should then have to request they don't charge me interest because of it. I do not thin it is acceptable that they should only inform me of any limits at the time of payment it should be in the TCs or notified to me on my statement or via my online account with them.

I still maintain that if there is a restriction that should be made clear at the outset. It was never a question of my being late to pay it was the fact that they didn't allow me to pay without previously telling me about it. It then became too late to pay with automatic interest charges being applied. That is unfair and unreasonable, the shoddy provision of information and correct information did little to improve my mood. And I will still be writing to them.

HellsGranny

I have a suggestion, how about paying as much as you can by your chosen method, then using another method to pay the rest in?

I realise its a faffing nuisance, but the banks have been stung by fraud before and the Government is making it difficult too.

I don't think they are saying that you are being fraudulent, but that they can't bend the draconian rules for you. I'm sure they'd love to relieve you of the dosh!

Cheers, HG

mojjie

I have actually put this on another thread but it might bear repeating. I had a 9k balance to pay off. Rang Barclaycard and said now in a position to pay card and gave them my debit card details. Got the spiel about a maximum payment of £3000. Complained but got no further. Persisted until I got beyond a call centre operator. I then mentioned I had other cards to pay off and if delayed might not be in a position to pay Barclaycard at all. Hey presto he took the whole £9k there and then.

noh

I gather your bank account is with Barclays.
Barclays offer faster payments up to a limit of £10000.
Barclaycard accept faster payments.
According to the FAQs on the Barclaycard site you can make payments up to 6pm (4pm if with another bank) on the due day.

To check whether your account and the receiving account are FP enabled check here.
http://www.ukpayments.org.uk/sort_code_checker/

The Barclaycard sort code 20 04 15 is able to receive faster payments and Barclays current accounts are also FP enabled.