Who is wrong here?

cfcboy

Hi, I asked Barclaycard via thier messaging service to move my payment date back by three days to coincide with payday. They did this and i also asked for them to move the direct debit.

Ive logged into today to find the DD hasnt been setup, ive been charged both late and overlimit fees (the charge took me over my limit) and my min payment has moved from £200 to £400!

Am i in the wrong here to not check the DD was properly setup after the statement dates had changed? What chance do i have of getting the fees back and the payment changed to the original amount before they charged me?
Cheers

Tixy

I'd imagine you probably have a decent chance of them agreeing to remove the charges. I'd phone up and make the payment and then explain the situation and hopefully they will sort it out for you.

Atidi

cfcboy wrote: »

Hi, I asked Barclaycard via thier messaging service to move my payment date back by three days to coincide with payday. They did this and i also asked for them to move the direct debit.

Ive logged into today to find the DD hasnt been setup, ive been charged both late and overlimit fees (the charge took me over my limit) and my min payment has moved from £200 to £400!

Am i in the wrong here to not check the DD was properly setup after the statement dates had changed? What chance do i have of getting the fees back and the payment changed to the original amount before they charged me?
Cheers

Why has your minimum payment changed/doubled? :huh:

cfcboy

I think as they havent taken last months DD they are using that plus this coming month... or thats what i ithink anyway, waiting for them to call me back

Atidi

cfcboy wrote: »

I think as they havent taken last months DD they are using that plus this coming month... or thats what i ithink anyway, waiting for them to call me back

Best wait until they call you back and explain, as I don't think you are correct.

Typically barclaycard set their minimum payments as

The highest of:
1. 2.25% of the amount you owe us on your monthly statement;
2. £5 (or the entire amount if less than £5);
3. any interest, account fees and default charges that have been added to your account since your last statement plus 1% of the remaining balance.

If you only make the minimum payment each month it will take you longer and cost you more to clear your balance.

Whilst the specific percentages may vary depending on the card (refer to your terms/summary info), that's their basic policy

cfcboy

its 2.25% of my balance.. i owe about 9k so £199 is correct (im interest free at the moment)

Yesterday it created a new statement so its looking like its adding the two months up as ive not paid the first month as yet due to the DD failure

AndyT678

If they think you've missed a payment then they may have removed the interest free deal too. Make sure you check and get that back if they have.

eskbanker

Also, if you can get them to accept responsibility, ensure that they remove any consequent negative markers from your credit files.