Just as a final follow up...
For several weeks now I have been getting dire text warnings from Halifax saying:
"Miss Sats REMINDER: if you make extra payments to your credit card at any time this will not reduce your DIrect Debit
Except, of course, depending the date, some do reduce the DD
. This is my latest set of transactions:
01 Oct 18__RETAILER1__02 Oct 18__39.99
04 Oct 18__PAYMENT RECEIVED__04 Oct 18__5.00 CR **£5 first manual payment**
06 Oct 18__RETAILER2__08 Oct 18__130.00
<<<Statement generated here @ £164.99: £39.99 + £130, less £5 first manual payment>>>
08 Oct 18__RETAILER3__09 Oct 18__48.69
10 Oct 18__PAYMENT RECEIVED__10 Oct 18__5.00 CR **£5 second manual payment**
10 Oct 18__RETAILER4__11 Oct 18__83.97
02 Nov 18__DIRECT DEBIT PAYMENT__02 Nov 18__164.99 CR
As you can see, the statement generated a DD amount of £164.99, which was duly collected on 2 Nov and (as expected) disregarded the second £5 payment on 10 Oct (it got carried over to this month's statement)
As a side note, there is also an option online which says "Pay Credit Card" which takes you to a screen offering the option to "Make a one-off payment"
, explaining "Making a one-off payment is quick, easy and might help you clear your balance faster."
There is no warning that it will affect the DD if you pay it after your statement date! This whole thing really is a complete omnishambles. I might contact my complaints lady just for fun to point this out to her
So there we have it. A ill-thought-out and even worse implementation of a rule change that took customers from August till November to unpack.