First Direct Gold Credit Card - Amend Direct Debit from Minimum Payment to Full Statement Balance

Altior

Most likely it is now obsolete for the OP, but may be useful for anyone searching historically. I can confirm that FD does not adjust the DD, regardless of any interim payments. This is explained under the (i) symbol under ALL in the app.

cannugec5

dreaMer001 said:

Brie said:

Went through the same thing for my M&S card yesterday.  It says that you can change the DD online and when you go onto their site it shows you can't because you already have one set up.  So you need to go to chat and someone has to physically change from what it's set to currently to full balance.  I found it all very odd as I've changed from minimum to a set amount online in the past.  The "chatter" apologised and said they are updating their system so it's not all 21st century yet.  Not sure who the actual bank is with M&S but it's a very different system to MBNA, Barclaycard, Santander who all make it much easier.

With Tesco Clubcard credit card I noticed that we can 'Edit Direct Debit'. it has options to change monthly payment from 'minimum amount' to 'Full outstanding balance'. The DD debiting account can be changed too. It's available both on online banking and the App.

edit: When I did use the above, I think I setup a new direct, not change payment option from minimum to full. So, couldn't vouch if the changing actually works. Maybe we encounter something similar to M&S (in Tesco's case when clicking 'confirm' may it will throw an error). However, the Tesco one looks promising. Perhaps someone can confirm.

I have a Tesco Card. Last year I changed the DD via the app from full statement balance to minimum payment as I had a 0% balance transfer. 

However this ‘unusual transaction’ resulted in my card being blocked (declined payment for my Tesco online shopping!). A quick phone call sorted it after security checks. 

What I’m getting at is that even if the function to change the DD is available on line a phone call might be safer! 

dreaMer001

Altior said:

Most likely it is now obsolete for the OP, but may be useful for anyone searching historically. I can confirm that FD does not adjust the DD, regardless of any interim payments. This is explained under the (i) symbol under ALL in the app.

Used the Chat option within the App. First the bot asks 'is your query about...payment..Direct Debit/Standing Order, Disputes, Card queries..' I selected Direct Debit/Standing order. Then it asks 'Amend, Cancel, View a list'. I selected 'Amend', then 'set up new, Change existing, help with something else', I select 'Change existing'..it even asks 'do you want to change the account that the direct debit is taken from'. I selected 'no' for that question.

Then it asks 'Do you want to change the amount'. THen offers the option  to select 'full' statement balance. Afterwards, the chat is put through to a 'human colleague' of Dot (the BOT), who confirms the change. 

I asked her to confirm the amount of the next direct debit payment and the date of collection. what she said (typed on chat ) matched my full statement balance of the statement issued on 27 October 2023. She said full payment of £2663.23 will be collected by Direct Debit on 23 November 2023.

This is explained under the (i) symbol under ALL in the app.

The info within the app is sometimes not 100% accurate. back in July, I saw that the App said 'Unfortunately PDF statements arn't currently available in Online banking' . Which turned out to be hogwash. They certainly ARE. I complained and Customer Relations checked and agreed. Escalated issue to Digital Product Managers to amend the wording. I just checked today, and it has been amended (no more 'Unfortunately PDF statements aren't currently available in Online banking' wording on App).

dreaMer001

cannugec5 said:

dreaMer001 said:

Brie said:

Went through the same thing for my M&S card yesterday.  It says that you can change the DD online and when you go onto their site it shows you can't because you already have one set up.  So you need to go to chat and someone has to physically change from what it's set to currently to full balance.  I found it all very odd as I've changed from minimum to a set amount online in the past.  The "chatter" apologised and said they are updating their system so it's not all 21st century yet.  Not sure who the actual bank is with M&S but it's a very different system to MBNA, Barclaycard, Santander who all make it much easier.

With Tesco Clubcard credit card I noticed that we can 'Edit Direct Debit'. it has options to change monthly payment from 'minimum amount' to 'Full outstanding balance'. The DD debiting account can be changed too. It's available both on online banking and the App.

edit: When I did use the above, I think I setup a new direct, not change payment option from minimum to full. So, couldn't vouch if the changing actually works. Maybe we encounter something similar to M&S (in Tesco's case when clicking 'confirm' may it will throw an error). However, the Tesco one looks promising. Perhaps someone can confirm.

I have a Tesco Card. Last year I changed the DD via the app from full statement balance to minimum payment as I had a 0% balance transfer. 

However this ‘unusual transaction’ resulted in my card being blocked (declined payment for my Tesco online shopping!). A quick phone call sorted it after security checks. 

What I’m getting at is that even if the function to change the DD is available on line a phone call might be safer! 

Had a similar 'incident' with TSB to do with adding a second mobile number via App.

The reason I wanted to do this was because my usual mobile suddenly started to play up receiving SMS messages, and TSB sometimes sends login codes via SMS message. 

I added the second number via the App and straight away, account was blocked. Called TSB support and after speaking to fraud team it turned out that it was because I was doing this on my new mobile. 

Went through the ID check by uploading passport copy and a video selfie to 'unlock' account. So, if you change device, never try to change/add new phone number. I'm guessing this probably applies if you login from a new location too.

Altior

dreaMer001 said:

Altior said:

Most likely it is now obsolete for the OP, but may be useful for anyone searching historically. I can confirm that FD does not adjust the DD, regardless of any interim payments. This is explained under the (i) symbol under ALL in the app.

Used the Chat option within the App. First the bot asks 'is your query about...payment..Direct Debit/Standing Order, Disputes, Card queries..' I selected Direct Debit/Standing order. Then it asks 'Amend, Cancel, View a list'. I selected 'Amend', then 'set up new, Change existing, help with something else', I select 'Change existing'..it even asks 'do you want to change the account that the direct debit is taken from'. I selected 'no' for that question.

Then it asks 'Do you want to change the amount'. THen offers the option  to select 'full' statement balance. Afterwards, the chat is put through to a 'human colleague' of Dot (the BOT), who confirms the change. 

I asked her to confirm the amount of the next direct debit payment and the date of collection. what she said (typed on chat ) matched my full statement balance of the statement issued on 27 October 2023. She said full payment of £2663.23 will be collected by Direct Debit on 23 November 2023.

This is explained under the (i) symbol under ALL in the app.

The info within the app is sometimes not 100% accurate. back in July, I saw that the App said 'Unfortunately PDF statements arn't currently available in Online banking' . Which turned out to be hogwash. They certainly ARE. I complained and Customer Relations checked and agreed. Escalated issue to Digital Product Managers to amend the wording. I just checked today, and it has been amended (no more 'Unfortunately PDF statements aren't currently available in Online banking' wording on App).

It's just a coincidence with this thread, but as part of my stoozing, the 17 months purchases at 0% on FD gold card is winding down. As part of this, I've made an interim payment, which is why I was using the app and noticed this info sub section. So I will know for sure tomorrow (the amount is showing as pending in the current account). It would be pretty unusual for something this significant to be wildly inaccurate. I'd make it a vanishingly small prospect it is incorrect. tbc...

Altior

Breaking news! The minimum payment DD was processed at the original amount. Interim payment ignored.

dreaMer001

Altior said:

Breaking news! The minimum payment DD was processed at the original amount. Interim payment ignored.

When was the DD collection date for minimum payment shown on statement, and when was it collected from current account?

Also, when did you make the manual (interim) payment?

edit: It may not matter even if the interim payment was made weeks before Direct Debit collection. AFAR, only some providers 'adjust'. I think Marbles is one of them.

Altior

Statement date 10/10, minimum payment via dd to be collected 06/11. Interim payment cleared 2/11.  

dreaMer001

Altior said:

Statement date 10/10, minimum payment via dd to be collected 06/11. Interim payment cleared 2/11.  

Thanks. So, it seems the interim payment was too close to the DD collection date.

Correction to my previous post. I think if you've setup minimum payment via DD and you make an interim payment well before the DD collection date, then most providers say DD won't be collected. I think the usual 'cut-off' time frame is 3-4 working days (depending on credit card provider). i.e. if you make a payment 4 working days before the DD collection date, then the DD is not collected. I'm pretty sure this is how it works for minimum payment DD"s as well as full statement balance DD"s. Maybe someone can confirm?