Just a thought.

[jimfishybob]

Hi all,

 

Just trying to test out a theory, it would be interesting to know at what time of the month other users are having 'unauthorised' OD charges taken out, as mine seem to coincide with a few days before I get paid every month. Surely if they were so concerned with me going into this overdraft they would hang fire and charge me after my pay date rather than before and creating a vicous circle.

 

Charges date:- 19th/20th of each month

 

Pay date:- 24th of each month

[Guest Lueeze]

Cap 1 and Monument are both start of month for me at least...

[Judge400]

Hi all,

 

Just trying to test out a theory, it would be interesting to know at what time of the month other users are having 'unauthorised' OD charges taken out, as mine seem to coincide with a few days before I get paid every month. Surely if they were so concerned with me going into this overdraft they would hang fire and charge me after my pay date rather than before and creating a vicous circle.

 

Charges date:- 19th/20th of each month

 

Pay date:- 24th of each month

 

 

 

I made the same point to Smile during a long exchange of messages, more to waste their time as I had given up any hope of getting the charges back - that is until now

 

They gave their usual fluffy answer of 'you had enough time to get adequate funds in' but to me it does seem like a deliberate policy for revenue growth

[jimfishybob]

Judge, did your charges come out a similar time, (i.e. around the 20th?), If not then the question should be asked why specific dates are chosen.

[Judge400]

I don't know for sure, but I always thought they deducted at roughly the same time each month, but that could be as always always skint at roughly the same time each month. - I am awaiting details from them following my initial DPA letter so will check.

[zara_goza]

mines are arounf the 21st/22nd depending of the weekend falling. And yes it's just really convenience for them as majority of people are pay around the 25th...makes me suspicious....

 

what do you think?

[caro]

My statement showing how much charges will be appears on line on 5th. I think they give about 14 clear days notice that charges will be added, so that takes it to about 20th, which conveniently is probably about 10 days before a lot of people get paid. Do all statements get issued on 5th, and if so I wonder if the date can be changed to avoid this happening.

[talula]

well i get paid on the 15th, think im all sorted for the rest of the month, and then about ten days later, voila, no money left due to charges. so i dont think its down to the individuals pay day... though part of me perversely wishes that were true because it would show them up even more.

[jimfishybob]

This topic was closed on 10 March 2019.

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