Uncleared cheque day 4

[Stillwaiting1]

Hi, I couldn't get to the bank before close of business last week to pay a cheque in. It's a barclays account and I paid 100 in and from what I can work out it won't be cleared until tues - I have a direct debit due out tomorrow and not enough cleared funds to cover it. Does anyone know if barclays allow direct debits from uncleared funds? Thanks in advance

[fkofilee]

Simple Answer is it depends what type of account you have?

 

What DD is it that will be paid?

[Stillwaiting1]

Hi - it's a cash card account and it's a talktalk bill going out tomorrow - cheque due to clear tues and wages go in same day - bad timing ! Thanks for replying

[fkofilee]

Well cancel DD agreement tonight like... NOW!!! Wait for cheque to clear and pay them on tuesday while setting up a new DD agreement.

Should help sort the issue out.

[Stillwaiting1]

The online banking says that the dd can't be cancelled I. Time - it was my first thought

[renegadeimp]

DD will already have been sent. It just clears 2-3 days later. Youd have to get it returned via the DD guarantee.

[fkofilee]

Try ringing the bank ... But as it has been left late, IMP is correct

[slick132]

Hi SW,

 

As the DD will have already been instigated by TT, it will either be paid by the bank, or bounced. Probably depends on your history and relationship with the bank.

 

If the former, the bank may charge you for paying the DD from uncleared funds.

 

If the latter, the bank will charge you for bouncing and TT may, or may not, charge for their failed DD payment. See their article here - https://help2.talktalk.co.uk/my-direct-debit-has-been-rejected

 

If this is a one-off mistake with the bank and they hit you with a default charge, I'd ring Cust'r Svs and ask them to refund it as it was a timing error on your part. If this has happened a few times in the last year, it's probably not worth making the call.

 

[martin2006]

Is it possible you can put enough cash in your account tomorrow to clear the TT DD?

 

Most banks allow this now

[slick132]

Is it possible you can put enough cash in your account tomorrow to clear the TT DD?

 

Most banks allow this now

 

Great idea if SW has the cash but it'll still depend on the timing of the DD pay't.

 

Good luck SW !!

 

[martin2006]

My current bank (Halifax) advised that most banks allow this now as DD's arent bounced back until the close of business on the day the DD is due

[obiter dictum]

Barclays i know for a fact allows you to pay cash into your account up until 4pm the same day the DD or Standing order is due out. So if you pay cash in before close of business tomorrow you will be fine

[Consumer dude]

Reading this thread makes me glad I don't have any direct debits..

[slick132]

An update from SW would be nice.