Barclaycard changing my payment date

wizzywig27

I am not entirely sure how this has happened, but hopefully some of you guys may be able to understand better than I do..

For the past 7 years or so of being a Barclaycard customer my statement date has always been the same date, with my payment date being around the 22nd of the month (ish). Back in November no statement was produced so I contacted them and ended up speaking to a guy in branch. He looked and couldn’t see why it hadn’t been produced but told me it was due tomorrow (iirc). No explanation was offered and I just assumed it was a one off (technical error or something).

I have looked into it and this is what I can see has been produced:

July statement was due 24th August

August statement was due 23rd September

September statement was due 25th October

October statement was due 23rd November

November - no statement

December statement was due 29th December 

January statement was due 31st January

February statement was due 28th February
March statement (most recent) is due 28th March 

I get paid on the last working day of the month. So effectively all the payment that were due at the end of month 24th, 25th etc we’re paid as soon as I got paid. 

The explanation from Barclaycard is that they are trying to make it less confusing for customers by making sure payments are due 25 days after the statement is produced, which is understandable, as long as statement dates are fixed, which they are not. So as my statement date is the 1st of month, January’s statement was not produced until the 4th due to bank holidays which meant the payment wasn’t due until the 29th. The first month this has effected me is this month, (presumably due to February being a 28 day month) as they are basically asking for two payments in month which I believe is massively unfair. Now if I could pay it, I would, this is not matter of principal, I simply cannot afford £300 payments in month, I paid February’s payment using February’s salary which was paid on the 28th Feb, now they are asking for another payment in the same salary month. 

It’s worth nothing that if your statement date falls on a weekend, this also delays your statement being produced. 

I have complained and was told to call to change the payment date, which they can, but not until next month. Their customer service is really bad! When I called to change payment date she passed me to collections. 

Does anyone know if legally they have for forewarn you of any changed to payment dates? They guy in the edifice support team seems to think not. 

Any help or advice would be helpful. I do not want any late payment markers or agreement to pay on my credit file, again this is not my fault.

thanks

penners324

Looks like the person in branch changed your statement date.

Why not change the statement date so the DD is taken between the 1st and 4th of each month?

It can be done in the app

wizzywig27

Where in the app? Still doesn’t help me for this month though 

penners324

I don't believe it is unfair. It's just a result of the statement date.

Money is still owed to Barclaycard for what you've borrowed from them.

penners324

So in theory your January payment (from December salary) wasn't taken. Did you not save that money?

wizzywig27

@penners324 Barclaycard changed my statement date without notifying me, resulting in requesting two payments in a month and it’s not unfair? 

I’m not saying I don’t owe it

penners324

wizzywig27 said:

@penners324 Barclaycard changed my statement date without notifying me, resulting in requesting two payments in a month and it’s not unfair? 

I’m not saying I don’t owe it

No.

You've not paid from you'd December income so should have that available 

wizzywig27

Ok, thanks for the input. 

If this had have happened in December I’d have agreed, but three months later….

Also if they’d have made me aware then I could have made plans - but they didn’t!

I’d love to live the the world you live in where you can just keep £150 lying in an account, especially around Christmas time. Not everyone has the obvious spare income you do. 

mr_stripey

wizzywig27 said:

Ok, thanks for the input. 

If this had have happened in December I’d have agreed, but three months later….

Also if they’d have made me aware then I could have made plans - but they didn’t!

I’d love to live the the world you live in where you can just keep £150 lying in an account, especially around Christmas time. Not everyone has the obvious spare income you do. 

Personally I think it is a bit unreasonable for them to take two payments in a month, but I guess if one has previously been missed then they would say it is ok? Did they "skip" a payment with the missed statement?

wizzywig27

mr_stripey said:

wizzywig27 said:

Ok, thanks for the input. 

If this had have happened in December I’d have agreed, but three months later….

Also if they’d have made me aware then I could have made plans - but they didn’t!

I’d love to live the the world you live in where you can just keep £150 lying in an account, especially around Christmas time. Not everyone has the obvious spare income you do. 

Personally I think it is a bit unreasonable for them to take two payments in a month, but I guess if one has previously been missed then they would say it is ok? Did they "skip" a payment with the missed statement?

See I can see what you are coming from but this was November, so four months ago. This probably wouldn’t be a problem had they kept my statement date the same instead of changing it. Surely they didn’t need to change my statement date to set payment due dates to 25 days after the statement has been produced?! 

Yes it seems I didn’t have a payment in December, in a month where Christmas was due and I received salary x 2 that month (due to being paid early in December). Although no excuse it wasn’t intentional, so someone (above) just saying you missed a payment so use that, just isn’t helpful really. If I had that money, I’d pay it…

Jami74

wizzywig27 said:

Although no excuse it wasn’t intentional, so someone (above) just saying you missed a payment so use that, just isn’t helpful really. If I had that money, I’d pay it…

Can you at least make the minimum payment? Not ideal but it would save the late payment marker. Or is there enough time to apply for a balance transfer card? Again, not ideal but if you could balance transfer the £150 it would buy you a bit of time to pay it off.