Barclaycard changing my payment date

kaMelo

wizzywig27 said:

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.

I get you but, re-reading your initial post, I still can't see why there is a problem unless you have inadvertently made two payments towards October's statement. As in;

October statement, due date November, paid early end of October from October Salary
November statement N/A          paid end of November towards October Statement from November Salary 
December Statement, payment due date December, paid end December from December Salary

If that's what you did then that's the problem. It may appear they are now requesting two payments in one month but they actually aren't, it's down to how you chose to pay them and the double payment happened on the October statement.  Rather than carrying on as you where, paying at the end of every month, from the end of November you should have held back payment until the first week of December, after they produced December's statement.

it's a shame really as despite not having much spare money you are "ahead of the game"  so as to speak. The best advice I ever received was to never rely on this months salary to pay this months bills, get ahead of the game, pay this months bills from last months salary. Going forwards just delay payments until the first week of next month, that will put you back in the same place as you where, still ahead of the game. As to your current predicament, is there anyone you can borrow from for a short period of time?