Cheers for the advice, dx100UK.

I won't cancel the DD.

Regards,

Suzymcc.

Thanks for the reply Martin, I'll give Vanquis a call first thing tomorrow.

I might just cancel the direct debit with my bank & pay Vanquis manually.

Thanks dx100uk. I kinda thought that, & now know it was too good to be true.

I did make those payments voluntarily, so yes, I guess they haven't done anything wrong.

I will phone them tomorrow to check up on this.

Oh & by the way, because I made early payments, my statement said there was nothing pending for this month.

That's why I assumed that they wouldn't take anything from my bank account on the 28th of November.

Very misleading.

Do you think that's why the DD was returned?

Suzymcc.

I recently received a Vanquis credit card, to help build up my credit, & also to help out during Christmas.

My minimum payment was due today(28/11/16),

I have already paid Vanquis twice.

Once on the 10th of November & again on the 23rd of November.

A refund of £28 was also paid on the 24th of November.

I don't understand why they have tried to take money from my bank account, when I have already paid them twice in one month.

I was told that I can make early payments, & I am aware that I have set up a direct debit for Vanquis.

They have tried to take a DD of £20 from my bank account, which has now been returned, because I didn't have sufficient funds in my account.

does this mean that it doesn't matter if I make a payment early to Vanquis & I will still be debited on the same date as every month?

I thought I was doing them a favour too, & in the end they have charged me a fee for not paying them on the intended date!

There's a flaw in the plan man!