Barclaycard changing my payment date

wizzywig27

Jami74 said:

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.

Minimum payment is approx. £130, add that one to the £200 payment I on payday on the 28th feb (cos I try to pay off as much as I can), this new payment means I will be paying off £330 in a month to them

kaMelo

wizzywig27 said:

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. 

;
Hopefully I'm understanding that list you have written.  Are you saying the dates are the payment due dates?  As in;


July statement                    > Payment Due Date 24th August
August Statement               > Payment Due Date 23rd September

September Statement         > Payment Due Date 25th October

October Statement              > Payment Due Date 23rd November

November No statement

December Statement          > Payment Due Date 29th December 

January Statement              > Payment Due Date 31st January

February Statement            > Payment Due Date 28th February

March Statement                 > Payment Due Date 28th March
    (Going Forward)
April Statement                    > Payment Due Date  29th April 
etc.       

If that's the case, when you look down the payment due dates there is only ever one payment per calendar month, there are no double monthly payments as indeed there are no months missed either.

Also this line doesn't make sense,
"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." 

Are you saying that all payment taken prior to December were taken from that months salary?, (i.e. late) or from the previous months salary.  Or is my understanding of what you've written completely wrong?

Sncjw

I was thinking when I read that the payment was paid late as they would wait until pay day. 

razord

Barclaycard's system operates on a fixed statement issue date. The problem is, that "fixed" date is based on working days.

So, if your statement is due on the 15th working day of the month, that will range between 19th and something like the 22nd... or even later if there's bank holidays between 1st and 15th.

wizzywig27

kaMelo said:

wizzywig27 said:

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. 

;
Hopefully I'm understanding that list you have written.  Are you saying the dates are the payment due dates?  As in;


July statement                    > Payment Due Date 24th August
August Statement               > Payment Due Date 23rd September

September Statement         > Payment Due Date 25th October

October Statement              > Payment Due Date 23rd November

November No statement

December Statement          > Payment Due Date 29th December 

January Statement              > Payment Due Date 31st January

February Statement            > Payment Due Date 28th February

March Statement                 > Payment Due Date 28th March
    (Going Forward)
April Statement                    > Payment Due Date  29th April 
etc.       

If that's the case, when you look down the payment due dates there is only ever one payment per calendar month, there are no double monthly payments as indeed there are no months missed either.

Also this line doesn't make sense,
"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." 

Are you saying that all payment taken prior to December were taken from that months salary?, (i.e. late) or from the previous months salary.  Or is my understanding of what you've written completely wrong?

Yes, let me clarify, payments were due at the end of the month (24th for example) and I’d pay it when I got paid - so July statement produced on say the 26th and although it wasn’t due until the 24th of August I’d pay it on the 30th/31st of the months when I got paid (so three weeks or so early) 

you are right that there appears to be only one payment due per month, but because they have changed my statement date this means that my payment dates have changed resulting it two payments requested, albeit two separate months, from the same salary.

this now means that other things have to go unpaid so I can pay these.

Sncjw

Which months would you pay twice then 

wizzywig27

This one (March) - as I have said previously the payment date is one per month but if you read what I’ve said you will understand hopefully 

martinbainbridge1975

wizzywig27 said:

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

take it off direct debit, if your statement date is 28th of the month, the payment wont be due until after the end of the month. set up a bill payment on your bank account then you are in control of it, you can send the funds from your bank account and will hit your credit card account usually within a couple of hours

wizzywig27

It’s not on direct debit, I pay using the app already and like you say it takes a couple of hours to go on there

Brie

Barclaycard had this problem over Christmas a few years back and contacted all people affected where they could see in their systems that 2 payments (DDs generally) would be taken in the same month.  It was dealt with as part of the complaint prevention process.  Some people were fine with the 2 payments being taken and others like the OP were not.  Because it was done far enough in advance statement dates could be twitched for those where this would be an issue to give them a bit more breathing space.

I would suggest calling them again and saying you need the statement date adjusted appropriately.  Also state that the fact that the date was changed without your permission or knowledge it is causing you "financial distress".  This should mean this is logged as a first level complaint which may be resolved on your call, potentially with your interest for the month waived or some other gesture of good will being offered to alleviate your distress.  

I do also suggest that you set up a DD at least for the minimum required amount once you know it will be requested on a day convenient to you.  Then you can top up that amount when you are paid to help you pay down the balance.