Credit card company taken direct debit payment for statement after receiving online payment

phillw

mcpitman said:
I don't need to prove anything or pay less than I normally would to please an internet stranger.

Absolutely active from the Barclaycard side. Absolutely active from Current Account. No point debating the matter.

I'm not sure what to do with your information, you don't want to prove it & yet we'd be silly to rely on it ourselves as it is a rule the bank should be following.
https://www.directdebit.co.uk/FAQs/Pages/InactiveDirectDebits.aspx
If they haven't removed the direct debit, then you should raise a complaint.

born_again

mcpitman said:

born_again said:

mcpitman said:

digalumps said:

If you never pay by dd how do you know it hasnt been cancelled!

Because the DD is still active on current account and has correct, valid details with BC.

It might on the current account. But NOT on the credit card side. Which is what generates the request.

If you are so sure, then let the DD claim this month and come back and tell us the outcome. 

I don't need to prove anything or pay less than I normally would to please an internet stranger.

Absolutely active from the Barclaycard side. Absolutely active from Current Account. No point debating the matter.

OK. Fair enough. It is clear you know more than people who actually do the job and know the DD time frames. 
As I know our systems show live on Current account, but inactive (read will not claim) on the credit card side, as never claimed a DD in the last 13 months. Santander is the same as I fell foul of it a few months ago.
Just makes me wonder why you asked the question in the 1st place

mcpitman

born_again said:

mcpitman said:

born_again said:

mcpitman said:

digalumps said:

If you never pay by dd how do you know it hasnt been cancelled!

Because the DD is still active on current account and has correct, valid details with BC.

It might on the current account. But NOT on the credit card side. Which is what generates the request.

If you are so sure, then let the DD claim this month and come back and tell us the outcome. 

I don't need to prove anything or pay less than I normally would to please an internet stranger.

Absolutely active from the Barclaycard side. Absolutely active from Current Account. No point debating the matter.

OK. Fair enough. It is clear you know more than people who actually do the job and know the DD time frames. 
As I know our systems show live on Current account, but inactive (read will not claim) on the credit card side, as never claimed a DD in the last 13 months. Santander is the same as I fell foul of it a few months ago.
Just makes me wonder why you asked the question in the 1st place

And you have no idea what I actually do for a living, but that's not the point.

I didn't ask the question either, I am not the OP

D3xt3r5L4b

randall6z said:

lather30 said:

I recently part-paid my credit card statement (Barclaycard) via an online bank transfer (Halifax), which my online credit card statement shows they acknowledge receipt of on the same day it was sent. Three days later, the credit card statement shows them having also taken the direct debit payment for the same bill from my bank account, which has driven the account in question into overdraft.

Yeah, well it's a well-known problem which happen with dozens of online banking systems. And it's a reason for everyone to set up 2FA password, to be sure that every payment that would be (or gonna be) taken from your account should be approved by you manually.

That has zero to do with what you quoted in response to...

MalMonroe

Strange but true: The OP posted just once. And then there followed rants and raving. I'd just be interested to know if he/she has gained any benefit from any of the disagreements on here? To add my own two penn'orth, it usually states in your credit card Ts and Cs that even if you choose to make additional payments, your DD will still be taken. And we usually agree to those Ts and Cs. So yes, as others have said, the good thing is that your balance has been reduced. You've not been robbed and there's little chance you will be reimbursed. I also learned that lesson in the past when the very same thing happened to me, i.e. paying off a credit card took me into a bank overdraft. Always check, and then double check all the small print. It really is worth it. And if you can transfer to a 0% interest CC, if yours isn't already, I would apply to do so. Then all your payments go to reducing the balance. Good luck to you. 

bris

I have a set amount by DD every month for my Barclaycard but also make extra payments at various times. It has never stopped the DD going out as normal.

It may be that some CC will need you to tell them if you want the payment instead of the DD, I suppose this makes sense, people will have payments set up by DD but also want to pay extra when they can, how is the CC provider supposed to know unless you tell them.

onlyfoolsandparking

bris said:

I have a set amount by DD every month for my Barclaycard but also make extra payments at various times. It has never stopped the DD going out as normal.

It may be that some CC will need you to tell them if you want the payment instead of the DD, I suppose this makes sense, people will have payments set up by DD but also want to pay extra when they can, how is the CC provider supposed to know unless you tell them.

So you have a 'fixed payment' in place? I already covered this. Barclaycard will always take your DD whilst you have a 'fixed payment set up BUT wont take your DD if your set up for 'minimum payment' and your additional payment is more than the required statement minimum. Other card providers work differently like Virgin (and I think? Halifax) for example who take your DD regardless of overpayments (providing it doesn't put your account in credit)

adamp87

My Barclaycard always emails me if a DD is going to be taken almost like a confirmation that it will be taken. Thought this was commonplace 

cymruchris

lather30 said:

I recently part-paid my credit card statement (Barclaycard) via an online bank transfer (Halifax), which my online credit card statement shows they acknowledge receipt of on the same day it was sent. Three days later, the credit card statement shows them having also taken the direct debit payment for the same bill from my bank account, which has driven the account in question into overdraft.

I've sent Barclaycard a secure online message via their website asking for an explanation as to why they have taken the direct debit when they clearly acknowledge receipt of the online payment three days previously. I've also asked them to refund the money taken via the direct debit on the grounds that they had already received payment via the online banking transaction, and have therefore been paid twice and effectively taken the money without my permission. I'm currently waiting for their reply, which that say I should get within 24 hours.

As I'm self-employed and currently can't work due to the fact that my job requires fairly close contact with customers for periods of several hours at a time, money is of great concern to me right now. So to have someone effectively steal money from my account is not what I need right now. Does anyone have any advice on what else I can do to get the money back that, to my mind, they should never have taken from my account?

You've now learnt the hard way as to how direct debits work - but nobody stole your money - you just didn't have the understanding of timescales, but you'll certainly know for next time.

badger09

MalMonroe said:

Strange but true: The OP posted just once. And then there followed rants and raving. I'd just be interested to know if he/she has gained any benefit from any of the disagreements on here? To add my own two penn'orth, it usually states in your credit card Ts and Cs that even if you choose to make additional payments, your DD will still be taken. And we usually agree to those Ts and Cs. So yes, as others have said, the good thing is that your balance has been reduced. You've not been robbed and there's little chance you will be reimbursed. I also learned that lesson in the past when the very same thing happened to me, i.e. paying off a credit card took me into a bank overdraft. Always check, and then double check all the small print. It really is worth it. And if you can transfer to a 0% interest CC, if yours isn't already, I would apply to do so. Then all your payments go to reducing the balance. Good luck to you. 

And some measured, factual responses, explaining the process