halifax debit card.

fearkiesdeception

shortcrust wrote: »

You're being a bit paranoid if you think the Halifax did it on purpose. Direct debits don't work like that. Even if they did, it would be pretty obvious pretty quickly if banks delayed payments to collect fees.

Your balance can often look higher than it is because payments sometimes take a while to show. For example, the shopping I did this evening doesn't show on my internet banking yet. The onus is on you to manage your money and keep track of stuff like that. APR doesn't come into it. They levying a charge/fee, not charging interest.

There's no rip off, no underhand tactics etc. You just need to keep a better handle on your finances and so some homework on how bank accounts work.

You might get lucky if you ring Halifax and ask them politely if they'd consider removing that charges in this occasion.

There were sufficient funds when the payment should have taken. Only when the funds fell short of 39p were the payment deducted. It is in a banks interest to put you into debt, after all that's where they make the most money. I don't the halifax has been honest, and I will complain. it's too uncanny that the point of payment for the direct debit was at a rae point when the funds were low, and not at the time when there were sufficient funds to pay for it when it should have been paid.

shortcrust

fearkiesdeception wrote: »

There were sufficient funds when the payment should have taken. Only when the funds fell short of 39p were the payment deducted. It is in a banks interest to put you into debt, after all that's where they make the most money. I don't the halifax has been honest, and I will complain. it's too uncanny that the point of payment for the direct debit was at a rae point when the funds were low, and not at the time when there were sufficient funds to pay for it when it should have been paid.

Halifax don't decide when to send the money - Talk Talk decide when to take it. It's just a coincidence that the money left your account at time when it took you overdrawn.

liamvad

Halifax did this to me,I rang them up,explained it was unfair,and they waived all charges,worth a go.

SuperHan

But if they had taken the money on the right date, the account would still have been 39p overdrawn... Unless you were planning to put more money in? Or were you spending money that you knew you didn't have?

Direct debit payments are taken by the company they are going to (TalkTalk). They usually say they will be taken on or after a certain date.

Otherwise, people would be getting angry that payments were late for their bills even though direct debits were set up on the correct date.

To me, it seems as though you should have known the money was due out, and should have had it in the account waiting, whether it was 5 days late or 2 months late. You knew you had to pay it, so why did you spend the money.

YorkshireBoy

If TalkTalk only contacted you on the 4th July they couldn't take the payment on the 10th anyway. This is because they have to give you at least 10 days notice under the DD guarantee (of both the amount and date of the payment to be collected).

PeacefulWaters

Paranoia rules ok.

fearkiesdeception

as I explained before there were sufficient funds on the 10th. We are just numbers to them at the end of the day, targets for managers to reach, promotions for workers, incentives for workers. If you believe banks are whiter than white you must be naive.

phona

YorkshireBoy wrote: »

If TalkTalk only contacted you on the 4th July they couldn't take the payment on the 10th anyway. This is because they have to give you at least 10 days notice under the DD guarantee (of both the amount and date of the payment to be collected).

Is that a general rule of direct debits?
My most recent TalkTalk bill was produced on the 30th June and said the payment would be taken on the 7th July. That's only a week.

OP, did you know you can pay your TalkTalk bill early by card and get a 15% discount? It's called "speedy payment discount" and is mentioned in the bill notification emails. You have to leave your direct debit open but they don't charge you twice.
If you do it that way it'll save you worrying about your direct debit coming out and mean you pay less overall too.

SnowTiger

phona wrote: »

Is that a general rule of direct debits?
My most recent TalkTalk bill was produced on the 30th June and said the payment would be taken on the 7th July. That's only a week.

It's usually seven or ten days. In TalkTalk's case, they only have to give three days notice. http://m0.ttxm.co.uk/sites/rightnow/forms/direct-debit-mandate.pdf:

...TalkTalk Telecom will notify you three working days in advance of your account being debited...

Out of interest, does the statement say the DD will be taken on that date? Most other statements say a DD will be taken on a particular date of afterwards.

OP seems to be missing the point that when the money is taken from their account is determined by when TalkTalk requested it.

As grumbler pointed out earlier, the Direct Debit Guarantee can be called on if the OP believes there was an error.

essjaytee

fearkiesdeception wrote: »

as I explained before there were sufficient funds on the 10th. We are just numbers to them at the end of the day, targets for managers to reach, promotions for workers, incentives for workers. If you believe banks are whiter than white you must be naive.

It has already been mentioned several times but you have chosen to overlook/ignore the fact that your direct debit payment date is down to when Talk Talk take the payment... NOT when the Halifax send it! Talk Talk would have had no idea what your bank balance was on that or any other day!!


If you only take one thing from these rambling, paranoid posts let it be that!!


If you say you had enough funds in place to pay the dd on the 10th, then why was there not enough money to pay the dd on the 15th if you knew full well the payment hadn't yet been collected??