Aquacard manual Payments cost more?

anon_ymous

Hey

Phoned Aqua up recently and I asked about what effect manual payments would have on the direct debit and I was told that they will take whatever is on my statement ie: if the Aqua statement is £100, I pay £50 manually, they'd still take £100 via direct debit

I was told the manual payment has no effect on the DD though

Has this actually happened to someone, or was that customer advisor ill advised?

[Deleted User]

thats how it works,you need to work out the total you want to pay that month then if its more than DD pay the extra manually if you want

anon_ymous

woodbine wrote: »

thats how it works,you need to work out the total you want to pay that month then if its more than DD pay the extra manually if you want

That's not how it was explained to me. Literally, it was explained to me as

You pay £50 in the supermarket on the 1st and 2nd of the month,making a total of £100

You manually pay £50 manually via FPI, debit card payment etc...

You still pay £100 via direct debit because that's what's on your statement, making the total £150, despite you paying the £50 manually ie: you have paid £50 more by paying manually

Gromitt

Thats how a lot of cards work, ie. MBNA. Regardless of any payment you make towards your balance, the minimum on your statement will be taken, even if it puts your account into credit.

Unless you make the payment (and its applied) before the statement is produced (as that will reduce the amount stated as outstanding on your statement)

Hooloovoo

waqasahmed wrote: »

You still pay £100 via direct debit because that's what's on your statement, making the total £150, despite you paying the £50 manually ie: you have paid £50 more by paying manually

Yes, I have done this, and yes that's how my Aqua Reward card works.

I'm not sure what you mean by "it costs you more".

In your example the card will simply end up £50 in credit. Or assuming you continued spending on the card, will simply contribute towards next months payment. You don't "lose" the money in some additional "cost".

My Barclaycard does reduce the direct debit amount if you make additional manual payments. Provided that the payment isn't made too close to the direct debit date.

anon_ymous

Gromitt wrote: »

Thats how a lot of cards work, ie. MBNA. Regardless of any payment you make towards your balance, the minimum on your statement will be taken, even if it puts your account into credit.

Unless you make the payment (and its applied) before the statement is produced (as that will reduce the amount stated as outstanding on your statement)

Ah this is what I thought happened. The way it was explained to me sounded like you couldn't pay off the £50 on the 2nd of the month when your statement might not have came until around the 20th or so. It just wasn't explained properly over the phone then

anon_ymous

Hooloovoo wrote: »

Yes, I have done this, and yes that's how it works.

I'm not sure what you mean by "it costs you more".

In your example the card will simply end up £50 in credit. Or assuming you continued spending on the card, will simply contribute towards next months payment. You don't "lose" the money in some additional "cost".

Thanks. The person at the end of the phone obviously didn't explain so well then. The way they explained it, it sounded like I would lose the extra cash and the way they explained it it sounded like I'd be paying a lot even though my balance is small

luci

As Gromitt says, provided the payment reaches them before the statement is issued it will come off your balance and the amount owing will be reduced on the statement.

However once the statement has been produced they will take the full amount of the DD.