Nick_C wrote: »
Although I normally pay in full each month by DD, I sometimes make additional payments if I am spending a lot in one month and am in danger of hitting my credit limit.
Anthorn wrote: »
At first sight rather a good way of sending the CC balance into credit and then blame it on the bank. Depends on whether they will still only Direct Debit no more than the balance of the account.
Yorkham wrote: »
My account balance was 0 = ZERO 11 days prior to the DD date.
I made a payment of £1600 to clear it mid month.
Then Halifax took the balance from 11 days previous ie £1600 again.
Vortigern wrote: »
Did you make any purchases after the statement date and before the DD date?
Does your card now have a positive balance?
It's been suggested elsewhere on this board that Halifax will still amend the DD amount to avoid creating a positive balance. I've had a quick look at the T&Cs and at my last statement. I can't see anything to support that suggestion, but it may have been mentioned in a mailing that I can't find.
europaea wrote: »
I'm a bit confused... my Clarity card is set for minimum DD payments and it has a £0 balance.
So if I use my Clarity card abroad then pay the card in full before the DD date, it means no payment will be taken, am I right?
Yorkham wrote: »
"If you haven't had a statement giving you notice of a DD payment then they can't take such a payment."
So how come I had £1600 taken by DD to pay an account with zero balance - 11 days after I made a manual payment and the online account said ammount due 0.00 -?
This first-time buyer wants your thoughts
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