Late payment

Jami74

I checked multiple times and my Lloyds credit card statement definitely says . "We'll take your Direct Debit  of £3.58 from your bank account on 30/06/25." Payment due to reach account by 30/06/25.

It wasn't taken. On the afternoon of the 30th I paid it manually from the current account. It's dated 30/06 on credit card transactions but shows as cleared on 01/07.

I was aware that the direct debits stop being taken after a period of time if not used but thought if that was the case it wouldn't say on the statement that it would be taken.

Credit card balance is £0. Estimated interest £0.02 (but I've paid in full). Might I still get a missed payment charge for paying late? 

DullGreyGuy

When was the next statement generated? Does the payment show on it or has it not been generated yet?

CliveOfIndia

Jami74 said:

I was aware that the direct debits stop being taken after a period of time if not used but thought if that was the case it wouldn't say on the statement that it would be taken.

Does this imply that this is the first time you've used the card in a long time?

DDs do get deleted by your bank after a period of inactivity.  It always used to be 13 months - during Covid, most banks raised that to 24 months.  Subsequently, some banks have left the "dormancy period" as 24 months, some have reverted to 13 months.

But if your DD had been deleted due to inactivity, your credit card issuer wouldn't be aware of that until they came to collect the DD - hence why it said "to be collected by DD" on your statement.  They simply use the information they have on file for you - in much the same way as it's your responsibility to ensure there are sufficient funds in your account to cover the DD.

Jami74 said:

Might I still get a missed payment charge for paying late? 

Possibly.  But if you do, give them a call, be very polite and contrite, explain that you realise it's your fault.  If it's the only time you've missed a payment, most card issuers are actually very understanding and may very well refund any late payment charge as a gesture of goodwill.

DullGreyGuy

CliveOfIndia said:

But if your DD had been deleted due to inactivity, your credit card issuer wouldn't be aware of that until they came to collect the DD - hence why it said "to be collected by DD" on your statement.  They simply use the information they have on file for you - in much the same way as it's your responsibility to ensure there are sufficient funds in your account to cover the DD.

In the normal run of things when a DD is cancelled the merchant is informed. Do you know definitely that a bank cancelled DD isnt informed to the merchant or are you speculating?

CliveOfIndia

DullGreyGuy said:

CliveOfIndia said:

But if your DD had been deleted due to inactivity, your credit card issuer wouldn't be aware of that until they came to collect the DD - hence why it said "to be collected by DD" on your statement.  They simply use the information they have on file for you - in much the same way as it's your responsibility to ensure there are sufficient funds in your account to cover the DD.

Do you know definitely that a bank cancelled DD isnt informed to the merchant or are you speculating?

Just going by personal experience - I had a similar thing happen to me some years ago, and the merchant wasn't informed.

Granted, that was quite a few years ago, so things may have changed by now.  And I guess it's possible that different banks do things differently.

Apologies if I've given misleading information.

born_again

DullGreyGuy said:

CliveOfIndia said:

But if your DD had been deleted due to inactivity, your credit card issuer wouldn't be aware of that until they came to collect the DD - hence why it said "to be collected by DD" on your statement.  They simply use the information they have on file for you - in much the same way as it's your responsibility to ensure there are sufficient funds in your account to cover the DD.

In the normal run of things when a DD is cancelled the merchant is informed. Do you know definitely that a bank cancelled DD isnt informed to the merchant or are you speculating?

Merchant is not informed when the DD has expired, but they will get a message when asking for funds advising them of the reason.
As OP paid on time, then they will be OK.

Jami74

CliveOfIndia said:

But if your DD had been deleted due to inactivity, your credit card issuer wouldn't be aware of that until they came to collect the DD - hence why it said "to be collected by DD" on your statement.  

Thanks, I knew about the dormancy thing but got thrown because it is a Lloyds current account and Lloyds credit that sit one on top of the other in the app. 

I'll contact them and explain my error. It's my first ever credit card mishap so would be nice to avoid a fee if I can.

Next statement isn't due for a couple of weeks and I won't be using it for a few months.