Great Story - Barclaycard

Tabasco

I thought I was the only one on here who is a DD victim.

I changed bank from Halifax to Lloyds. Instructed that DDs were to be transferred to them but to keep Halifax open.

Transferred all my money from Halifax to Lloyds. Received a letter on 1st March telling me that if they didn't hear from me the next 7 days, they would take it as OK. On 18th March, Egg tried to take money from my Halifax bank. As I had no money in that account, Egg charged me £20 for rejected DD (yes, Lloyds had not transferrd my DD).

Halifax also thought it would have been fun to charge me £35 for overdrawing the account (as it was just a cash account) and £28 O/D fee every month.

I was absolutely furious!

Here are each party's responses:

Halifax:
Called Halifax and gave the CS Rep a mouthful, she hung up!!! Called again and a helpful lady empathised my situation and agreed to refund the money - but did tell me that it was definately not their fault.

Egg:
Basically told me what Halifax told me about how DD works and their costs blah blah blah but refused to waive the £20 failed DD charge. Even though I clearly paid that month's payment just a week ago manually. Of course it was sooooo obvious to cardholders that manual payments only count as extra payments NOT 'payment due'.

Lloyds:
Called them and was told that the DDs wouldn't have started after 6th April or something - which was not mentioned in the Transfer Unit's letter. As he couldn't resolve the problem, I had to give their Transfer Unit a call the following Monday.

Called the TU and was told someone would look into this and call me back that afternoon. No call that day so I called again the next day, was the same person changed to 'you will get a response within 48 hours'.

Fine, as I thought they would certainly take responsibility.

A day later I received a letter telling me that it's not their fault as they transfered all DDs on 18th (strange enough I called all parties on 19th but neither Egg nor Halifax received any instruction) and could not refund my loss - and asked my to talk to Egg, or make a formal complaint.

I haven't done anything since (as I don't have much time during business hour and their TU don't open outside business hours) apart from calling TSB about my £50 incentive - yes, after 70 days, I still hadn't received it.

I was livid - not that £20 is a lot of money but it's the principle! It certainly not my fault - as far as I could see yet I seem to be the one who had to lose out.

I kept telling myself I must fight for it. Even if it went to charity, it would make me feel better. However, after a quick phone call to their CS demanding MY £50, they have promptly installed it few days later. I thought I might just let it go as it would take another hour or so on the phone and I just don't seem to have the time.

If I had the time, I would definately make it as my priority and fight to the bitter end, as i felt it wasn't my fault. I did this with Orange about £18 monthly line rental after I cancelled the line - ending up costing almost £10 on my landline and the time writting a nice email to Oftel - Orange conceded in the end.

Sorry for venting.

daveboy

So the lesson to learn is that if you have a direct debit set, don't make a manual payment thinking that it supersedes the direct debit.

I've never thought that since I became old enough to receive credit facilities. I dislike direct debits except where they are necessary - I prefer to make payments manually all the time if it's something where the amount changes at least.

So, all in all, Barclaycard did nothing wrong. This time.

deemy2004

Same here

Virtually all my payments to credit cards are doen manually, its not hard all you need is a simple spread sheet with the dates of when transfers have to be there and the date to transfer by with amounts.

If I was transfering accounts, I would definetly NOT leave it to the banks to deal with the DD transfer process !
Do it yourself, one by one...