Proof of posting. If my credit card cheque arrives late or is lost in post My credit card supplier demands £12 late payment fee can this be claimed from Royal mail?,

[above]

[hc4361]

No, definitely not.
You can avoid this happening by paying your minimum by direct debit.

[squarebear]

No you cannot claim. It is up to you to ensure correct and prompt delivery of your payment using recorded/registered post or but paying by another means.

[DrFilth]

try special delivery

http://www.royalmail....ial_next_day_delivery

[ABerrant]

Royal Mail Special Delivery is hardly cost effective in this case.

Cost of delivery of cheque = £11.35
Consequential loss coverage = £1.75

Thus to ensure you are able to claim for the consequential loss of £12 (late payment fee) in the event of a delay in delivery, you must pay £13.10 in postal charges.

[ABerrant]

Ooops, I was using the wrong weight table.

Delivery Cost = £5.05
Consequential Loss = £1.75

Total = £6.80

[sue11]

I think that you can send this by signed for post which for small light envelopes is only around £1.30 or so. So it may be worthwhile using this method in future. However as hc4361 says, the best way is to set up a DD, or if you use online banking pay them by bacs, the new faster payments system ensures that most payments sent online arrive the same day.
Cheers Sue

[grasscarp]

I pay my credit card bills online directly from my bank account. This avoids the postal system altogether. Always seems to work very well. I am now with Halifax and it is very simple to set up payment, unlike Royal Bank of Scotland which was quite a business to set up a new payee. (plus Halifax give you a fiver a month!)

[Buenchico]

The maximum payment that Royal Mail is obliged to make in respect of a non-delivered letter (other than those sent by special services) is limited to 6 first class stamps. So you can't claim your £12 back.

Chris

[boxtops]

no, you can't. I have got round this by one of two ways:
1. go into your bank with the statement and make the payment over the counter, you then get the slip stamped with the date of payment, or
2. pay on-line if you have on-line banking. This facility has been a godsend as I can instruct my bank to pay but defer payment until a date I choose (ie after payday)

I had the same worries as you about cheque payments being delayed in the mail - that worries been removed by doing one of the above each month.

[boxtops]

^ that worry's

[Buenchico]

Further to the suggestions above, if you've got a debit card you can make your credit card payment by phoning the number on your credit card statement. (That's what I do. With variable income, I find it more flexible than using direct debit to pay on a particular date each month).

Chris

[pink-kittens]

as an extra to Chris' debit card payment, you can set up a payment in your bank account to be paid as and when you initiate the payment which is what I do
Ergo I'm never late but as I am paid on different days each month I never incurr any charges via my bank nor any late charges