Aqua Card

1 Post
in Credit cards
I got an email to say I missed a payment, not true, so I phoned them to be told because I paid before my statement date it was taken as a extra payment, on the email it said I would be charged £12 but on the phone I was told it would be £29, in effect I paid £50 before the due date and was going to be charged £29 for the priveledge, However when I asked for a transcript of the convestaion a copy of the T&C that outlined the and a up to date statement all of which I said would be included with my complaint form for the FOS the suddenly backtracked on the attempted robbery
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You HAVE to pay between the statement day and the due day for each payment to be allocated to that statement.
That is how ALL credit cards work
.withdrawal, NOT withdrawel ..bear with me, NOT bare with me
.definitely, NOT definately ......separate, NOT seperate
should have, NOT should of .....guaranteed, NOT guarenteed
And while I was on the phone I'd also ask them to help me set up a direct debit because that way you will never miss a payment and if any mistakes are made, they won't be yours and then they will have to pay you for a change. If it's set up for the minimum payment at least then you can pay extra at any time as well. It's worth it, for peace of mind.
I've been in a similar situation myself and now wouldn't ever judge anyone else for choices they may have had to make. We're supposed to be friendly and non-judgemental on this site.
If you paid before the statement was produced then you haven't paid your required payment for that statement, meaning you have missed a payment.
Set up a direct debit to take payment in full, or at at least the minimum payment - this will avoid this confusion in the future.
If you ask nicely, they may waive the late payment fee as a gesture for the first time mistake.
Just be better than you were yesterday.