Virgin Credit Card - Disgraceful act - HELP!

eskbanker

wannabe_credit_free wrote: »

But, if you pay off the balance in full, manually, before the DD is due, then obviously they can't, as there is no monies owed for them to take.

Not sure if it was really worth resuscitating a two year old thread for that but you're missing the point - a DD can be prevented if the collector is notified in enough time to cancel it, but if (as in this case) a manual payment is made without notifying the collector (or doing so early enough) then the DD will be taken anyway, regardless of the fact that by then the balance had been paid off, which is exactly what the Ts & Cs say will happen, as per previous posts further up this thread....

pb3

wannabe_credit_free wrote: »

But, if you pay off the balance in full, manually, before the DD is due, then obviously they can't, as there is no monies owed for them to take.

I found MBNA always took the DD anyway, putting my account into credit. This occurred even if I paid off the full balance 2 weeks before the due date

zerog

pb3 wrote: »

I found MBNA always took the DD anyway, putting my account into credit. This occurred even if I paid off the full balance 2 weeks before the due date

http://www.moneysavingexpert.com/news/cards/2013/02/beware-the-credit-card-overpayment-that-isnt-an-overpayment

katejo

zerog wrote: »

http://www.moneysavingexpert.com/news/cards/2013/02/beware-the-credit-card-overpayment-that-isnt-an-overpayment

I never have minimum payment DD set up on my credit cards. I know when the statement is issued and I pay the bill as soon as I get paid.

Aquamania

wannabe_credit_free wrote: »

When I make a manual payment to my BHS card, they do not take the DD when it becomes due.

When I make a manual payment to my M&S card, they still take the DD when its due.

So obviously it all depends on the t&c of the cc provider.

But, if you pay off the balance in full, manually, before the DD is due, then obviously they can't, as there is no monies owed for them to take.

Very interesting, I'm sure, but

THIS THREAD IS 2 YEARS OLD

GingerBob_3

I've just fallen into this trap - for want of a better word - myself. MBNA again - on 27th March I cleared the balance down to zero. On 28th March they posted a DD to be taken on the 31st March. Had they done so it would have put me in credit to the tune of over £100, so I had the bank recall the DD and then cancelled the DD arrangement online. Now there's a £12 charge, posted as a "default" to use their wording. I messaged them and they agreed to waive the fee, but so far haven't done, so maybe I need to try again.

So let's get this right - in these days of instant electronic transactions MBNA can't detect that a balance is clear and so no DD should be taken? They say they want seven days notice. Is that in the T&C? Well, if I could find them I'd look it up, but they are just not there online (my account is wholly online), or if they are they are well hidden.