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Credit card DD returned unpaid?

  • 08-02-2012 10:37am
    #1
    lenovoguy
    Registered Users, Registered Users 2 Posts: 113 ✭✭


    Hi there

    I had a direct debit payment due for an AIB credit card on Monday, and due to a mess-up by our payroll dept in work, I wasn't paid on time and there were not enough funds in my current account to cover the payment, so the money was taken out on Monday and the account went into overdraft.

    Yesterday we got paid and my account went back into credit, so all appeared well, but when I logged in this morning to check my bank balance, the direct debit returned unpaid, and the money they took out was credited back into my account.

    I'm raging because I normally pay off my CC myself in advance of the DD date, and now I'm wondering how to proceed. I heard that in this situation the bank just makes a second attempt at the direct debit a few days later. Is this the case or do I need to ring them?

    Thanks
    L


Comments

  • #2
    Jet Black
    Registered Users, Registered Users 2 Posts: 3,845 ✭✭✭Jet Black


    The won't try again unless instructed by you. You need to call or manually make the payment.


  • #3
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    Jet Black wrote: »
    The won't try again unless instructed by you. You need to call or manually make the payment.

    they may make a 2nd attempt if they have instruction for it when setting up the DD. They often do this.

    OP best to ring them and see if they will take it again and if not make alternative arrangements.


  • #4
    lenovoguy
    Registered Users, Registered Users 2 Posts: 113 ✭✭lenovoguy


    Hi folks

    Thanks for your responses. Just rang the bank and was told to just do a manual payment there. Hopefully this won't go on my ICB rating :(


  • #5
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    lenovoguy wrote: »
    Hi folks

    Thanks for your responses. Just rang the bank and was told to just do a manual payment there. Hopefully this won't go on my ICB rating :(

    Payments must be over 30 days late before going on the ICB. Dont worry about it. These things happen.


  • #6
    lenovoguy
    Registered Users, Registered Users 2 Posts: 113 ✭✭lenovoguy


    chris85 wrote: »
    Payments must be over 30 days late before going on the ICB. Dont worry about it. These things happen.

    That I did not know :) Thanks for letting me know, puts my mind at rest.


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  • #7
    homer911
    Registered Users, Registered Users 2 Posts: 5,150 ✭✭✭homer911


    If your salary is contractually payable on a certain date, and your employer messed up, you are entitled to claim vouched bank fees and charges off your employer that you have incurred as a result


  • #8
    lenovoguy
    Registered Users, Registered Users 2 Posts: 113 ✭✭lenovoguy


    I made a payment against the card but they still havent debited the card with the amount they refunded me when the direct debit failed..any idea how long this takes?


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