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Old 14.08.2015, 13:10
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Bill payment date for reminder fine

Got a bill payment reminder fine from my cable provider. In the letter they say that all payments made until august 4th were taken into account.

My bank account shows that the money was deducted from my account on August 3rd. Not sure on what date it reached them.

I want to contest the fine, but want to be sure about which date is legally considered to be valid for them to fine me, the day I made the payment, or the day they claim it reached them?
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Old 14.08.2015, 13:16
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Re: Bill payment date for reminder fine

Payment date is the date the money reached them.

I always pay my bills as soon as they arrive. I save no interest money by not paying them earlier. If I leave them until later then they might be forgotten, and I then have the situation you are now in. Pay the fee for the late payment, and begin paying your bills earlier.

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Old 14.08.2015, 16:16
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Re: Bill payment date for reminder fine

Check if the letter has something to the extent of "If your payment crossed this reminder, please ignore it".

Companies can only charge fees for the reminder if the exact fee is specified in the contract. Check the terms & conditions of your provider.

If I were you, since you did pay before they sent the reminder, I would ignore it and see if they keep the fee for the reminder on your next bill.
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Old 14.08.2015, 16:25
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Re: Bill payment date for reminder fine

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Payment date is the date the money reached them.

I always pay my bills as soon as they arrive. I save no interest money by not paying them earlier. If I leave them until later then they might be forgotten, and I then have the situation you are now in. Pay the fee for the late payment, and begin paying your bills earlier.

Yep same for contract or lease cancellation- it is the date they receive your cancellation that matters, not the date you sent it. So you have to factor in week-ends and official holidays, etc- or your cancellation will be void.
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