Clearing up my credit file

D3xt3r5L4b

phillw said:

D3xt3r5L4b said:
If you were paying by Direct Debit it can’t be taken early, except maybe in February when there aren’t enough days of the month to cover a specified date. 

I would expect them to take the payment at the beginning of the next calendar month, if they were stupid enough to let you set a DD late in the month.

Indeed yes, that's the point I'm making.

If you have a DD setup for the 30th of the month, then I would expect the DD to be taken on the 28th February instead. Although I have seen some instances where it will take it on the next available working day, e.g. the 1st March but it will count as February's payment still, and March's payment will still be taken on 31st March.

However in the case of a salary/BACS payment, these are paid early, so if you're usually paid on the 30th of the month, for example, then you would get paid on the 28th February, so there's no excuse for salary not being made available in time.

phillw

D3xt3r5L4b said:
If you have a DD setup for the 30th of the month, then I would expect the DD to be taken on the 28th February instead.

As long as they notify you then they can take it whenever they want, if they don't then it has to be after.
https://www.directdebit.co.uk/DirectDebitExplained/Pages/Incorrectpayments.aspx
"If the payment due date falls at a weekend or on a Bank Holiday the organisation is obliged to debit your account just after the due date, not before, unless they notify you in advance of a change of date."

A non processing date and a date that doesn't exist are pretty much equivalent IMO. I doubt many companies are dumb enough to let you set the date to the 30th.

D3xt3r5L4b

phillw said:

D3xt3r5L4b said:
If you have a DD setup for the 30th of the month, then I would expect the DD to be taken on the 28th February instead.

As long as they notify you then they can take it whenever they want, if they don't then it has to be after.
https://www.directdebit.co.uk/DirectDebitExplained/Pages/Incorrectpayments.aspx
"If the payment due date falls at a weekend or on a Bank Holiday the organisation is obliged to debit your account just after the due date, not before, unless they notify you in advance of a change of date."

A non processing date and a date that doesn't exist are pretty much equivalent IMO. I doubt many companies are dumb enough to let you set the date to the 30th.

Then it doesn’t explain how the DD was taken earlier than expected.

sourcrates

rachelheels said:

My partner and I have managed our finances badly for years. We have been guilty of ignoring things, and overspending.

would really appreciate any help xx
Please don’t judge us, we have been daft, but we have had that moment recently where we realised, if we were sensible, we should have a secure nice home, not the money pit that is renting 

Hi rachelheels,

On the MSE forums, we strive to operate a policy of non judgemental and helpful advice, but, as this is a public forum, and anyone can post, it can sometimes become a platform for those with axes to grind.

There are a number of posters with strong views, who try to get there point across at every opportunity, I do appologise for some of the less than gracious comments left for you on here, and I hope it will not put you off using these boards in future.