Yes, Billpay does guarantee that the payment will be made on the date selected & it is. However, their guarantee applies only if the date I make the payment is 5 business days before the due date. This may be because some payments are made by check.

The FirstUSA payments are done electronically, and while the agreement may say it can take a few days to credit the payment, the funds were delivered to their account on a specified date, and the date of my payment should show as such.

I'm not a lawyer, but if I remember my business law classes correctly, they have constructive (if not actual) receipt of the funds and I have fulfilled my part of the agreement.

They are just playing some more of the usual games that they are well known (and already have been sued) for.

I think it's just a matter of time before some attorney gets fed up & files suit.

Thanks for all your opinions & advise!

Mary

[This message has been edited by Mary2e (edited 08-24-2003).]