Paying a credit card if DD was returned

YorkshireBoy

YorkshireBoy wrote: »

Which banks do you have available funds in with which you could make an online payment?

To elaborate...

Capital One also accepts payments via 'Faster Payments'. This type of payment is available from some banks and means we will credit your account by the end of the next working day. You should check with your bank to see if they can offer you this payment method.

http://www.capitalone.co.uk/creditcards/faqs.jsf

If you've an FP enabled current account you may be able to avoid another £12 fee for missing the payment.

YorkshireBoy

gazfocus wrote: »

We both bank with Barclays.

Problem (kind of!) solved then...if you bank online? Send it now by FP.

gazfocus

Thanks, just sent the payment Annoyed that she's getting charged £12 for the DD but our fault really. Thanks again

YorkshireBoy

gazfocus wrote: »

Annoyed that she's getting charged £12 for the DD

...but at the same time delighted that she's not incurring a late payment marker with the CRAs...which is far more important.

Just make sure she budgets for any fees Barclays may charge for bouncing the DD.

Bangor1

I think this is correct place to post this if not please advise.

I have had my DD with Barclaycard fail two months running. It's nothing to do with insufficient funds in my account and actually my bank (Halifax) tells me that not only were there enough funds but, there was no DD Mandate issued by Barclaycard for the last two months!

I hadn't even thought about CRAs until reading this thread but now for the first time ever I am classed as late with two payments even though the DD is correct on both sides and there were funds present.

Barclaycard are saying the DD was returned but Halifax say it was never requested! They say they have no recorded anywhere of it being refused.

Barclaycard are now refusing to accept responsibility and all I get are people in a Call Center reading off a script and refusing to check the DD.

I am being charged intersest for a late payment even though I did nothing wrong and Barclaycard refuse to acknowledge it.

Any suggestions?

Cheers

Primavera_2

I've not been on the forum long, but I would suggest starting your own post.