Odd Returned Payment Charge on Barclaycard

fireworkBlue

Ok I'll try and relate the order of events:

• I was offered a barclaycard platinum with 3 months at 0%, I took it.
• I set up a direct debit online to pay off the full monthly statement.
• When my first monthly statement arrived I obviously still had 0% interest so I decided to pay the minimum payment, which I did via the barclays smart phone app
• At the due statement date the direct debit took out the remaining amount due - which was to be expected I guess since I didn't cancel it
• But then that payment was immediately returned to my bank account labelled "Backdated Pymnt Reversal"
• I now have been charged £12 as "Returned Payment Charge"

Have I done something stupid and been charged for it or is this some sort of bug in the system?

grumbler

What was "the remaining amount due" if you have made the minimum payment already?

Not that I am saying that this can explain the reversed payment and the charge.

sharpy2010

Sounds like one of the times computer error actually is to blame. I'd contact the company and see what they say.

fireworkBlue

grumbler wrote: »

What was "the remaining amount due" if you have made the minimum payment already?

Not that I am saying that this can explain the reversed payment and the charge.

It was the total amount on the last statement minus the minimum payment I made.

fireworkBlue

I contacted them and they gave me a refund without any trouble.

Thanks for your help.

pqrdef

As you say, your smartphone payment wouldn't stop them taking the DD - and it wouldn't inspire them to send it back. It's irrelevant.

Barclaycard didn't take a payment and then return it because they read your mind, or because they thought it was silly to pay in full while on 0%, or just for no reason.

On the face of it, the reverse means that your bank refused or reclaimed the payment. You should make sure you know why, or it could happen again.

Some firms will clock up a DD on the due date without waiting to see the money, and then reverse it if the money doesn't come through.

And they'll slap on a charge for a returned DD, even though the minimum payment has been made.

It's the sort of silly charge that they'll refund for the asking, but that doesn't mean it was their mistake.

Obviously, insufficient funds would be one reason for the bank to refuse the DD. The other reason would be that the mandate isn't in place, or is in the wrong place. It could be that Barclaycard tried to debit somebody else's account and there were insufficient funds in that - it happens, too often. Check the DD list in your bank's online banking.

fireworkBlue

I checked the bank side it shows the money going out and going back in. It also seems to have a direct debit mandate in the list. Also there was plenty of funds to cover the fee.

For now I'll just pay the entire statement on my app which should negate the direct debit if my understanding is correct.