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  1. Does anyone know from a legal or banking perspective the date I have made payment if I use a debit card over the phone? Is it the date I give the card details or Is it the date the payment shows on my statement? The organisation I am dealing with is not authorised to go in my credit file due to the terms of the loan agreement unless I go into arrears. They are doing their best to make that happen. Am I in arrears if the payment is still 'pending' on the day it is due even if I phoned the day before? Thanks
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