Barclays have taken direct debit even though my balance is 0? - HotUKDeals
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Barclays have taken direct debit even though my balance is 0?

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Morning all On my barclays cc its set to take the account balance every month. This month I decided to pay the balance off early just to get my finances sorted. But for some reason yesterday ba… Read More
bbfb123 Avatar
5m, 2d agoPosted 5 months, 2 days ago
Morning all

On my barclays cc its set to take the account balance every month. This month I decided to pay the balance off early just to get my finances sorted.

But for some reason yesterday barclays took out a direct debit of £52, so now my balance is -£52. Why did they take the money even though my balance was 0? Ive paid balance off in full before and the system normally sees ive done that and doesnt take any money via dd.

What does this mean for me now that my cc has money over my limit?

TIA
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bbfb123 Avatar
5m, 2d agoPosted 5 months, 2 days ago
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#1
I'm sure if you have setup a direct debite mandate the system will continue to take out the money until it's [DD] stopped by you .
#2
ricko
I'm sure if you have setup a direct debite mandate the system will continue to take out the money until it's [DD] stopped by you .


Yeah but the dd system takes full balance, so like a week ago I paid off the balance before the dd was due so balance is 0. Every other time ive done this the dd was not taken the system has realised its already been paid.
#3
Recall the d/d and get the cash back into your account.
#4
Or spend the £52 on there and then you're back to evens
#5
contact barclays best advice I can give :{
#6
You probably paid it off a few days before the DD was due and the DD was already in the system to be paid

Edited By: alanrowell on Dec 19, 2016 06:55
#7
Ah ok. So if i spend the 52 quid it wont show as balance outstanding? How do you recall a direcr debit?
#8
If you made the payment close to the dd date then the banking statement would have already started the claiming process. Just give them a call and they can refund it back.
#9
Cakeboy79
Or spend the £52 on there and then you're back to evens

If he spends the £52 credit he has on the credit card he will still be £52 overdrawn in his current account. If he tries to take it out in cash to put into his current account, there will likely be a cash withdrawal charge.

Not really evens when there might be bank charges for being overdrawn.
#10
bbfb123
Ah ok. So if i spend the 52 quid it wont show as balance outstanding? How do you recall a direcr debit?


ring the bank mate, no one here can help you
#11
I work for a credit card, if you bay the balance off within 5 working days of the due date the direct debit will still call, just call them and they can return it back to your bank usually within 24 hours.
#12
ibblackberry1
Cakeboy79
Or spend the £52 on there and then you're back to evens
If he spends the £52 credit he has on the credit card he will still be £52 overdrawn in his current account. If he tries to take it out in cash to put into his current account, there will likely be a cash withdrawal charge.
Not really evens when there might be bank charges for being overdrawn.
He isn't talking about his current account. He has a credit of £52 on his cc
#13
DD's start processing 2-4 working days before they are taken from your account (according to my bank), so changes to either in outgoing or incoming account in that period dont show and especially for automatic pay balance DD's, wont stop them.

Talk to the bank and explain, they may be able to reverse the manual payment you made and waive the charges.
#14
chocci
ibblackberry1
Cakeboy79
Or spend the £52 on there and then you're back to evens
If he spends the £52 credit he has on the credit card he will still be £52 overdrawn in his current account. If he tries to take it out in cash to put into his current account, there will likely be a cash withdrawal charge.
Not really evens when there might be bank charges for being overdrawn.
He isn't talking about his current account. He has a credit of £52 on his cc


Yes he is. Read the post again.
#15
mtuk1
chocci
ibblackberry1
Cakeboy79
Or spend the £52 on there and then you're back to evens
If he spends the £52 credit he has on the credit card he will still be £52 overdrawn in his current account. If he tries to take it out in cash to put into his current account, there will likely be a cash withdrawal charge.
Not really evens when there might be bank charges for being overdrawn.
He isn't talking about his current account. He has a credit of £52 on his cc
Yes he is. Read the post again.
maybe you should read it again too :)

"But for some reason yesterday barclays took out a direct debit of £52, so now my balance is -£52. Why did they take the money even though my balance was 0?"


To me, this means he has a -£52 credit card balance (which means he is in credit £52). This means he is in credit. I doubt he had exactly £0 in his current account before the DD was taken.
#16
He er said he did have a balance of Zero so may I suggest you read it again?
#17
mtuk1
He er said he did have a balance of Zero so may I suggest you read it again?
I read that as his credit card balance was zero, hence asking why they took £52 from his current account to pay the CC
#18
I had this with Nationwide - for whatever reason, they work out what your DD amount will be before the date it is due.
I'm not sure how far in advance they check though.

So if your due date is the 19th for e.g They will set up the outstanding amount to collect on possibly the 15th maybe even earlier. Even if you pay some or all of that amount off after the 15th they will still take the outstanding amount that was calculated on the 15th. Not sure why they do it like that, but worth popping in to ask them when they work out the amount to collect.
#19
chocci
ibblackberry1
Cakeboy79
Or spend the £52 on there and then you're back to evens
If he spends the £52 credit he has on the credit card he will still be £52 overdrawn in his current account. If he tries to take it out in cash to put into his current account, there will likely be a cash withdrawal charge.
Not really evens when there might be bank charges for being overdrawn.
He isn't talking about his current account. He has a credit of £52 on his cc

Which was created by a direct debit from his current account, which had a nil balance.

Where's the OP to clarify

Edited By: ibblackberry1 on Dec 19, 2016 19:47
#20
Direct debits are submitted a minimum of 3 working days before the payment is debited from the account, so if debited today, it would have had to have been submitted before Thursday last week. Your DD will be one of thousands on the file, and once submitted cannot be individually changed. If you made a payment which was credited to your CC account after the file was submitted, then this is how you have ended up in credit. It's unlikley that your bank would entertain an indemnity claim on the DD, as no error has been made in the payment, the authority was there, and the amount was due. I'd therefore contact Barclaycard, and explain the situation, although you have 2 choices; 1. Ask Barclaycard to refund the money to you, but this could take some time, 2. Use your Barclaycard to purchase something to the same value as the overpayment, thus returning the Barclaycard balance to £0

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