Halifax Claim My Payments Are Late

opinions4u

On the back of your statement there's a very clear "ways to pay" section that tells you how long to allow.

Read it. It's clear and up front.

fozmcfc

Agree with the above, I'm sure you have a very good reason for paying so late, but if you do, you always risk payments being late.

Although CC are not the most important thing to pay, coming behind poll tax, rent and such like, they are higher up then say a utility bill.

I would personally let a phone bill or utility bill go into arrears for a week or so, they are extremely unlikely to cut off your service for a weeks delay, but a CC being a day or two late, will trash your credit file.

.1xp

Request the date your statement is generated to change the payment date to give you more time to pay when you have the funds.

jonesMUFCforever

Pay cash over the counter at a Halifax branch before 4pm then you can pay on the day (Mon to Fri).

JennyJenJen

Dabooka wrote: »

Have they actually recorded it as late to the credit agencies or just hit you with the fee? I have a feeling they don't always report it if it's a close thing as yours are.

fozmcfc wrote: »

I would personally let a phone bill or utility bill go into arrears for a week or so, they are extremely unlikely to cut off your service for a weeks delay, but a CC being a day or two late, will trash your credit file.

Most places dont send data to CRAs on a daily basis, perhaps only once or twice a month. It is more likely to be recorded with CRAs if the payment is late enough not to get onto the next statement. (Having said that though, this is probably more the case when a statement is issued every 30 days and there are 25 days to pay, the 'grace' period would be the 5 days in between. Not sure how it would work when there is not as much time between statements, payments etc)

This is slightly different to CCA Arrears notices which have to be issued even if the account is short paid by a few pence or late by a day or 2, despite the account never being in a true collections situation

hippey

I just made a payment to a Halifax CC today from a FirstDirect account today they gave a 3 day payment line, so I'm guessing they don't use faster payment inwards.

noh

http://www.halifax.co.uk/creditcards/existing-customers/managing-your-card/card-use/

"Please note that at the moment payments cannot be made using the Faster Payments Service (FPS)."

kazd

jonesMUFCforever wrote: »

Pay cash over the counter at a Halifax branch before 4pm then you can pay on the day (Mon to Fri).

This may result in an even longer delay, when I was at Nationwide people would try to make payments to their loan by cash over the counter but this then had to be turned into an internal cheque and could take two weeks to reach their account (don't ask why, I thought it was mad).

opinions4u

kazd wrote: »

This may result in an even longer delay, when I was at Nationwide people would try to make payments to their loan by cash over the counter but this then had to be turned into an internal cheque and could take two weeks to reach their account (don't ask why, I thought it was mad).

But Halifax, Bank of Scotland and Lloyds TSB don't work that way. Jones' post is accurate.

chanz4

Im with halifax, does annoy me that my one card does not get the payments for 3 days also.