Payment not taken

badger1878

i have airmiles duo credit cards from lloyds TSB. I made just over the minimum payment on the 29th of Jan (it was due on the 31st) using my account billing system in my Lloyds account which i use every month to pay no problem. I've checked my account today to discover that the payment although accepted is still pending and i've now been charged £24 for late payment and going over my limit aswell as the interest from this month so now i'm £120 od . As far as i was concerned i'd paid now i know i can't ring till tomorrow, but i just wondered where i stand over the payment that is still pending, when i thought as it had been accepted it would be paid as it has for the previous months i do this ??

badger1878

opinions4u wrote: »

How did you manage to do that with only one full stop?

poor grammar !!

CLAPTON

29th was a saturday
what do the rules say about the number of days (or working days) required to clear bacs payments

badger1878

Its same day because i use my 'make a payment' in my online account. last month i paid on the 23rd and payment was recieved on the 23rd !! so i think it should have paid at the latest by the 31st

jonesMUFCforever

Did you have enough cleared funds in your bank account to make the payment to your credit card?

LillythePink

Why can't you call until tomorrow? They have call centres (UK ones!!) and their phone banking is open 23/7.

OH also has Lloyds banking and Lloyds Duo cc, and when he makes a payment it is never immediate - if he logs on in the evening to make it, the earliest that they take it is the next day, but given that it could be a weekend, would be the next working day.

I agree though, that the latest it should have shown on their system was 31st - maybe next month, don't leave it so late to pay!

sharpy2010

I can see at least three full-stops in there, even though I know thats not nearly enough ;-)

badger1878

LillythePink wrote: »

Why can't you call until tomorrow? They have call centres (UK ones!!) and their phone banking is open 23/7.

OH also has Lloyds banking and Lloyds Duo cc, and when he makes a payment it is never immediate - if he logs on in the evening to make it, the earliest that they take it is the next day, but given that it could be a weekend, would be the next working day.

I agree though, that the latest it should have shown on their system was 31st - maybe next month, don't leave it so late to pay!

I do normally but with xmas etc i had to wait till payday on the 28th !! i've done it that late before and never had any probs just don't get why its still in pending ? There was funds in my account when i made the payment aswell.

opinions4u

sharpy2010 wrote: »

I can see at least three full-stops in there, even though I know thats not nearly enough ;-)

You are, of course, correct.

My powers of observation are declining rapidly as I age!

jonesMUFCforever

badger1878 wrote: »

I do normally but with xmas etc i had to wait till payday on the 28th !! i've done it that late before and never had any probs just don't get why its still in pending ? There was funds in my account when i made the payment aswell.

May I suggest you ring the internet banking helpline.
They will be able to look at the log of your visit on that day to see what has happened.
I presumed you did re-enter your password to complete the transaction and the message came up that the transaction was successful?

sharpy2010

opinions4u wrote: »

You are, of course, correct.

My powers of observation are declining rapidly as I age!

Nah you're alright, I'm an old git anyway! Well, I'm 35, but I feel much older...!