Can you request a partial payment to be made if paying through Direct Debit?

Kaynem

Ive got a bit of a hefty bill for this month and will not be able to make a full payment. I pay off my bill through Direct Debit every month.

Id like to make a partial payment. Is it possible to phone them and request the payment amount i would like to make. Is this possible through the Direct Debit method? Or would i need to change my payment method and cancel the Direct Debit from taking place. Im with Barclaycard.

Thanks

agsnu

I'm fairly sure it depends on the provider. Your best bet is to ring them up and ask.

Kaynem

Ive been trying to but ive been on hold twice for 15mins.

If it was a freeline, i wouldnt mind. Argh.

Anyone else have any idea?

custardy

easiest way is to only have a direct debit for the minimum payment
so you are covered every month
then make a 2nd payment of whatever amount you want/need to

kazd

You normally need 10 days to make a change to a dd.

agsnu

kazd wrote: »

You normally need 10 days to make a change to a dd.

You can cancel it at your bank up to the day beforehand...

YorkshireBoy

agsnu wrote: »

You can cancel it at your bank up to the day beforehand...

...but this will result in a £12 default charge being applied to the credit card account.

agsnu

YorkshireBoy wrote: »

...but this will result in a £12 default charge being applied to the credit card account.

Even if you make the minimum payment by another means beforehand?

YorkshireBoy

agsnu wrote: »

Even if you make the minimum payment by another means beforehand?

OP has a full payment DD set up.

For minimum payment DD's...

In general (and I'm not familiar with Barclaycard...perhaps I should have said "might result"?), many providers (certainly MBNA & Ulster Bank [other RBS cards?]) will still collect the minimum payment DD if you make a payment by other means beforehand.

If your additional payment lands in the 3-5 day period before your due date, the DD will still be called on all cards.

agsnu

Yeah but what if you make the minimum payment by other means and cancel your full payment DD...

YorkshireBoy

You can cancel your DD at any time...just let the originator know.

This is perhaps what the OP will have to do, but I suspect they'd rather not...just modify it for some other value for this month.