Barclaycard + payment date fixed to particular working day

[bottomburp]

Hello Caggers,

 

I have been having a discussion with Barclaycard because I noted, in May 2016, that the period between the date my bill was issued and the date my payment was due had been shorted by several days.

This very nearly caught me out as the payment is had always before

and since (I now realise) been due on the 15th working day of the month.

 

In May it was "due" on 11th working day of the month.

 

I had a look on their website,

it says: "Your payment date is fixed to a particular working day of the month...".

I take that to mean it is fixed - in my case to 15th - working day of the month.

 

 

So, for example, this month (August 2016) the 15th working day of the month would be 19th August.

 

 

Am I wrong in my understanding of this sentence on their website?

[obiter dictum]

To be honest i cannot see it makes much difference if paying by Direct Debit. My Capital 1 card the DD and any maual payments made through online banking are credited within 2 hours the same day. I suppose Barclaycard have the same quicker clearing payment method as well. So if you pay by DD you can never be late

[bottomburp]

Thanks for the advice that I pay by DD but it does not answer my question.

[slick132]

Hi BB,

 

I can see no reference in your post above to your BC payment being made by DD, so I assume it is not.

 

"BC PAYMENT DUE" dates always vary from month to month in my experience.

 

You're confusing working days with a specific day of the month. For example, the 15th working day of August this year is 19th August.

 

But the 15th working day of September this year will be 21st September.

 

I have been caught out by this issue on several occasions but, when I've called BC to politely query being charged a £12 late fee and interest, they have been good enough to refund these charges.

 

The only answer in my experience is to check the due date when the bill arrives and make a diary note so you pay on time, some 3 to 4 weeks thereafter.

 

If you DO pay by DD each month, you still need to check the due date each month to ensure you have adequate funds in the bank for when the DD is going to be taken.

 

[bottomburp]

I really do not know how to make myself clearer. Thank you both of you for your replies but my question is not to do with DDs.

 

 

I will try to explain again. Every month for approximately two years my "payment date" has been on the 15th working day of the month EXCEPT in May when the payment date was suddenly changed to the 11th working day of the month. The payment date has subsequently reverted to 15th working day of each month.

 

 

The Barclaycard website says "Your payment date is fixed to a particular working day of the month...".

 

 

Why did the payment date change from 15th working day (which it had been for 18 months) to 11th working day (for one month) and then revert to 15th working day (last three months)? Surely this is in breach of Barclaycard's own Ts & Cs.

[slick132]

Hi BB and sorry if I misunderstood your query.

 

You say you've been discussing this with BC but what was their explanation ?

 

[bottomburp]

Their explanation varies, depending on who I am speaking to and depending on how I respond to their "defence". The Barclaycard website states the payment date is fixed to a particular working day of the month. On the face of it, the 10th working day of August is 12th August, the 12th working day of August is 16th August etc.

 

 

If my "particular working day" is 15th of the month that means in August it is 19th August, in May it was 20th May. However, in May the "payment date" was moved to 17th May, i.e. the 11th working day. If all my other payments are due on 15th working day it would appear that their moving the payment date to the 11th working day is in breach of their own rules.

[slick132]

I wonder how many folk are caught out by the variable payment due date - I know I have, even recently.

 

If you want your question/complaint about this issue to be dealt with properly, write a formal complaint to Cust'r Svs telling them you are confused by their payment due dates which appear to contravene their own rules or T&C's.

 

Only when you complain in writing will the issue be taken seriously.