Lewisham Online - Living section 21:15 on 23/04/2014
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Frequently Asked Questions (FAQ's)

What is the difference between a debit card and a credit card?
I want to make a payment using a debit or credit card, what should I do?
Where are my details kept after I have used my debit or credit card to make a payment?
Who can make a payment using this method?
What services can I pay for?
When can I make a payment?
When will the payment be on my account?
How do I make a payment?
Will it cost me any extra making a debit or credit card payment this way?
Will my debit or credit card details be safe?
Will I receive a receipt or confirmation that my payment has been processed?
Can I set up a direct debit instead of making payments over the Internet?
Who do I contact if I have a problem?
What if I want to make a complaint?

 
What is the difference between a debit card and a credit card?
A debit card is one which is associated with your bank or building society account. Payments made using a debit card are paid immediately from your account. You must have funds in your account to honor the payment you are making. Your bank/building society statement will provide you with details of payments that have been processed using your debit card

A credit card is a card not normally associated with your bank or building society account but a separate credit account with a pre-agreed spending limit. If you make a payment with your card beyond the agreed spending limit the payment you make will not normally be honored. You must ensure you have sufficient funds available on your credit card account before making a payment.

The company with whom you have your credit card account will send you a statement showing the details of all payments and transactions processed. This will be a separate statement to that for your bank or building society account.


 
I want to make a payment using a debit or credit card, what should I do?
You should at first be sure there are sufficient funds available on your debit or credit card before making your payment.

You must also ensure the details you enter on the debit or credit card payment screens are entered carefully to avoid making any mistakes. We suggest you double-check your details before submitting your payment for processing.

If the payment you are making has to be on your account by a certain date you must allow up to 4 days for a debit card payment to be processed. A credit card payment will be processed within 24 hours.

You can make a payment by clicking on either the debit card Girobank BillPay button or credit card payment button on the previous page.

If you are making a debit card payment you will be linked to the Girobank BillPay site where you will be asked to register as a user with an appropriate password before you can make your debit card payment. You do not need to have a Girobank account to make a debit card payment and there is no charge for this service.


 
Where are my details kept after I have used my debit or credit card to make a payment?
Both Lewisham and Girobank do not keep credit card or debit card details after the payment has been processed. They are deleted.


 
Who can make a payment using this method?
Anyone who has a valid debit card or credit card and knows their Lewisham council tax, business rates, housing rent or leasehold charges account number.


 
What services can I pay for?
You can now pay your council tax, business rates, housing rent or leasehold charges using a debit card or credit card. You can also pay your Housing Benefit Overpayments using a credit card. You will soon be able to make Housing Benefit Overpayments using a debit card. In the future you will also be able to pay for other Lewisham services


 
When can I make a payment?
You can make a debit card or credit card payment using this facility 24 hours a day, 7 days a week, 365 days a year with the exception of any unforeseen technical problems which prevents this service being available.


 
When will the payment be on my account?
A payment using a debit card may take up to 4 days before it appears on your account. Payments made via credit card will normally be on your account within 24 hours.

If you wish to check whether a payment has reached your account you can contact the:

council tax section on 020 8690 9666 or via email at counciltax@lewisham.gov.uk

business rates section on 020 8314 6150 or via email at lrs.nndr@lewisham.gov.uk

For housing rent payments you should contact your local housing office or telephone 020 8314 6000.


 
How do I make a payment?
If you wish to make a payment using a debit card i.e. Switch, Delta, please click on the 'To make a debit card payment' button at the top the previous page.

You will be linked to Girobank Bill Payments and should follow the instructions you will be given on the Girobank screens.

If you wish to make a payment using a credit card i.e. Visa, MasterCard, etc. please click on the 'To make a credit card payment' button at the top of the previous page.

Please complete the payment form you are presented with on the screen and submit the details when completed for processing.


 
Will it cost me any extra making a debit or credit card payment this way?
No, it will not cost you any extra, only the amount you choose to pay. You do not have to have a Girobank account to use the Girobank BillPay service. It will not cost you any extra to make debit card payments using Girobank BillPay.


 
Will my debit or credit card details be safe?
Yes, your details will be protected by a secure server using sophisticated data encryption techniques.

Both Lewisham & Girobank have digitally certified and encrypted secure server sites. If you wish to check this please click on the BT Trustwise logo at the top of this screen and type secure.lewisham.gov.uk in the 'validate online' field which will appear on your screen.

In addition to this, neither Lewisham or Girobank will keep your card details after the payment has been processed.


 
Will I receive a receipt or confirmation that my payment has been processed?
No, you will not receive a receipt or confirmation that your debit card or credit card payment has been processed.

If you are making a debit card payment you will receive confirmation from Girobank that your payment has been submitted but not confirmation it has been processed.

If you are making a credit card payment you will not receive any confirmation that your payment has been processed.

If you wish to check that your payment is on your account you should leave sufficient time for your payment to be processed. You should leave up to 4 days for a debit card payment and 24 hours for a credit card payment to be processed.

You can contact the council tax section via e-mail at counciltax@lewisham.gov.uk or by telephone on 020 8690 9666. Business rates can be contact via e-mail at lrs.nndr@lewisham.gov.uk or by telephone on 020 8314 6150 to enquire if your debit or credit card payment is on your account. For housing rent payments you should contact your local housing office if you wish to confirm your rent payment is on your account.

For queries regarding leasehold charge payments please contact the Home Ownership Unit between the hours of 9.00am - 5.00pm on
020 8314 8221

Your debit or credit card statement will also provide you with confirmation your payment has been processed.


 
Can I set up a direct debit instead of making payments over the Internet?
Yes, this is the easiest and cheapest method for Lewisham to collect council tax payments. If you would like to set up a direct debit please click on the direct debit method of payment on the previous page. The mandate can be electronically returned to us.

If you do not wish to return the form electronically to us please print, complete and return the mandate to us in the post at London Borough of Lewisham Revenues Dept 5th Floor Laurence House Catford London SE6 4RU.


 
Who do I contact if I have a problem?
If you are having a problem with making a debit or credit card payment for council tax or setting up a direct debit instruction for council tax please contact our council tax helpline on 020 8690 9666. This service is available from 9am-8.30pm Monday to Friday and from 9am-1pm on Saturdays. Alternatively you can e-mail the council tax section directly at counciltax@lewisham.gov.uk

If you are having a problem with making a debit or credit card payment for business rates please contact our business rates section directly on
020 8314 6150 between the hours of 9am-5pm Monday to Friday. Alternatively you can e-mail the business rates section directly at Irs.nndr@lewisham.gov.uk

For queries regarding housing rent payments you should contact your local housing office. You can contact them by calling 020 8314 6000 and ask to be connected.

  For queries regarding leasehold charge payments please contact the Home Ownership Unit between the hours of 9.00am - 5.00pm on
020 8314 8221


 
What if I want to make a complaint?
If you are unhappy about the service you have received please click here for details of our complaints procedure and access to an electronically returnable complaints form.



 

 
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