Will Barclays waiver my unpaid payment fee?

edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
3 replies 3.5K views
aliceg1989aliceg1989 Forumite
6 Posts
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I actually work for Barclays and I'm a little disappointed in them.

I get paid on the 23rd of each month and have my first lot of bills taken out on the 25th of each month (one direct debit for the council tax, and two standing orders - one for the rent, and one for a transfer of monies to a Santander savings account).

I purposefully leave a few days for my bills to come out from the day I get paid in case of any delays etc. I have never had any problems before.

Last month (August) you will recall there was a bank holiday on the 25th. I still got paid on the 23rd, however I would've expected all bills due out on the 25th of the month, to instead come out on the 26th of the month. It is my understanding that should a bill fall due on a non-working day, it will be taken out on the next working day.

However logging onto my Barclays online banking last week, I noticed that Barclays had attempted to take my Santander savings standing order out on the 22nd August instead of what I believe should have been the 26th August. There was insufficient funds in my account to make that transaction as I had yet to be paid, and so the transaction was returned.

I have today received a letter from Barclays saying that I will be charged £8.00 for this. I don't believe I should be liable to pay this.

I don't understand - why did Barclays attempt to just take that standing order out days earlier than planned, but left my standing order for my rent, and also my direct debit to the council, untouched and allow them to come out as planned on the 26th August?

Do I have a case before I ring them up tomorrow and stand my ground?

My savings standing order has always come out on the 25th of every month, I am not that silly to have a standing order come out the day before I am paid :-)

Thank you

Replies

  • YORKSHIRELASSYORKSHIRELASS Forumite
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    I am fairly certain they will refund the charges to you. I had an issue with a DD bouncing because I had forgotten to transfer some money over. I rang up, admitted it was entirely my fault but said it was the first time in 20 years of banking with Barclays that it had happened and they refunded the charge straight away.

    Its worth a try!
  • [Deleted User][Deleted User] Forumite
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    I'd definitely be fighting this. If Barclays refuse to waive the charge, I'd be going to the Ombudsman!

    In addition, I'd want assurances that this will not be allowed to happen in future.


    You may wish to change those Standing Orders to Direct Debits if that's possible. Direct Debits are paid by only on request of the payee not on the "whim" of the Bank, this is why your Council Tax was paid as normal.
  • edited 9 September 2014 at 9:49AM
    AquamaniaAquamania Forumite
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    edited 9 September 2014 at 9:49AM
    aliceg1989 wrote: »
    I actually work for Barclays and I'm a little disappointed in them.

    I get paid on the 23rd of each month and have my first lot of bills taken out on the 25th of each month (one direct debit for the council tax, and two standing orders - one for the rent, and one for a transfer of monies to a Santander savings account).

    I purposefully leave a few days for my bills to come out from the day I get paid in case of any delays etc. I have never had any problems before.

    Last month (August) you will recall there was a bank holiday on the 25th. I still got paid on the 23rd, however I would've expected all bills due out on the 25th of the month, to instead come out on the 26th of the month. It is my understanding that should a bill fall due on a non-working day, it will be taken out on the next working day.

    However logging onto my Barclays online banking last week, I noticed that Barclays had attempted to take my Santander savings standing order out on the 22nd August instead of what I believe should have been the 26th August. There was insufficient funds in my account to make that transaction as I had yet to be paid, and so the transaction was returned.

    I have today received a letter from Barclays saying that I will be charged £8.00 for this. I don't believe I should be liable to pay this.

    I don't understand - why did Barclays attempt to just take that standing order out days earlier than planned, but left my standing order for my rent, and also my direct debit to the council, untouched and allow them to come out as planned on the 26th August?

    Do I have a case before I ring them up tomorrow and stand my ground?

    My savings standing order has always come out on the 25th of every month, I am not that silly to have a standing order come out the day before I am paid :-)

    Thank you

    How are the bills paid?

    Under the rules of the Direct Debit Scheme, payment but not be taken earlier than the date given on the advance notice (but may occur a few days after).

    If payment has been taken early then you may claim a full and immediate refund from your bank (but you will still owe the money as it would now be due). More importantly you can also claim conseqential loss as a direct result of those payments being taken early (such as bank charges incurred) The bank are not obligated to refund these imediately, but should do so within 14 days (as that is when the service provider will be required to have paid the bank)

    If payment was by standing order, then that should not be paid out before the date you state. (As the date you would have provided was not a banking day, payment should have been made the first banking day thereafter, i.e. 26th. If they have, then you need to complain to your bank about that.

    Are you sure you have the dates correct?

    The 23rd was a Saturday (so not a banking day). If you were due to be paid that day, then I would have expected you to actually have been paid on 22nd.

    With regards to payments, whilst your online account may have indicated on 25th payments were due, I would not have expected the transaction date to be before the 26th (the first banking day after the due payment date)

    Presumably you only set up payments for the 25th since Christmas. Expect more fun & games come December ;)
    What date did you actually get paid in February or March this year? :huh: Sunday??? :cool:
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