arrr direct debts

mattheman

mattheman

mattheman

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Joined
13 Oct 2008
Posts
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i cancelled a DD with a company yet i found out today ive been hit with 3 £35 charges a domino effect.
the company that did the DD did it 3 times and i had 2 charges, then i didnt have no money my other DD was charged.
i phoned up the bank t ocomplain the responce was "i should be managing my account" huh WTF i had no say or control over the money taken out, they'll not refund the 3 lots of charges, and the company has no record of charging me.
Just keep going round in circles, going into the bank tomorrow, this is why i hate DD, the bank is stealing from me.
 
I am going to agree with you on this one, DD has become nothing more than an opportunity to **** up. Get a paper statement from your bank and send the company that took the money a copy demanding both the incorrect debits and the charges they caused are refunded.
 
malfunkshun said:
I am going to agree with you on this one, DD has become nothing more than an opportunity to **** up. Get a paper statement from your bank and send the company that took the money a copy demanding both the incorrect debits and the charges they caused are refunded.
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just seems they companies are taking the **** with DD these days.
 
what's wrong with DD and cancel them with the bank easily done on online banking. Then it wont come out. Don't rely on a company cancelling it for you.
 
I have cancelled directly at the bank in the past and still had the payments taken. It seems the payee have just re-presented the original DD instruction was on excuse.....
 
The point of DD was safety against unauthorised payments but it still seems some companies/banks manage to mess it up.
 
AcidHell2 said:
what's wrong with DD and cancel them with the bank easily done on online banking. Then it wont come out. Don't rely on a company cancelling it for you.
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The point is your online banking doesnt say you have a DD until you look for it, its not on your main page.
Wait they couldnt find me on there system i wasnt a customer.
 
mattheman said:
i phoned up the bank t ocomplain the responce was "i should be managing my account"
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They have a point. If you don't want the DD to come out why have you authorised this company to do it in the first place. Should've got on the blower to them and told them to stop rather than just cancelling it at the bank's end.
 
I've had bad experiences with this also. Despite ringing the company involved to cancel the DD (no further payments were required), and then cancelling at the bank 'to be safe' they still presented a payment request and the bank paid up. The response? "Tough, if they ask for it we'll pay." The bank manager said the DD Guarantee doesn't mean squat and if they want to pay it out they will, and have no obligation to refund any charges despite it having been cancelled a week earlier.

Further, did you know if you buy something on your card you have given a lifetime payment authority to the company? So if you buy a £1 bit of tat on an auction site, in two year's time (provided your card is still valid) the company can charge you £1,000 and the bank will tell you to swivel. Been there, too. They said I'd used the card with the company in question 18 months earlier, so it was tough. Banks make me fume.
 
Hmm...several posts criticising the OP for telling the company to cancel the direct debit rather than telling the bank to cancel it and one post criticising the OP for telling the bank to cancel the direct debit rather than telling the company to cancel it.

Seems rather harsh.

Although not as harsh as the way the bank brushed off the OP.
 
Rainmaker said:
I've had bad experiences with this also. Despite ringing the company involved to cancel the DD (no further payments were required), and then cancelling at the bank 'to be safe' they still presented a payment request and the bank paid up. The response? "Tough, if they ask for it we'll pay." The bank manager said the DD Guarantee doesn't mean squat and if they want to pay it out they will, and have no obligation to refund any charges despite it having been cancelled a week earlier.

Further, did you know if you buy something on your card you have given a lifetime payment authority to the company? So if you buy a £1 bit of tat on an auction site, in two year's time (provided your card is still valid) the company can charge you £1,000 and the bank will tell you to swivel. Been there, too. They said I'd used the card with the company in question 18 months earlier, so it was tough. Banks make me fume.
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Did you complain to the ombudsman? If the bank is in breach of contract (the direct debit guarantee is part of the contract), you have grounds for complaint, or even for suing them.

In fact, here are some cases from the Financial Ombudsman:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm

Note that the complaint is upheld even when the person actually owes payment to the company.

complaint upheld
It was irrelevant whether Mrs B owed money to the school. What was relevant was that her bank had paid out under a direct debit that she had cancelled. So, under the direct debit guarantee, once Mrs B notified the bank of its error, it should have refunded the money straight away. It wasn’t for the bank to decide whether or not Mrs B owed the money to the school.
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My emphasis.
 
Angilion said:
Did you complain to the ombudsman? If the bank is in breach of contract (the direct debit guarantee is part of the contract), you have grounds for complaint, or even for suing them.
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Yeah we wrote to the ombudsman who sent a written acknowledgement. They said they'd respond within x weeks, and never wrote back. I just left it tbh, as I had other things going on. I did change banks though.
 
If it's a monthly thing i always limit mine to X amount per month. Still managed to screw it up by not taking the dd one month due to computer problems then taking 2 the next month which of course my bank didn't like and refused I think got 15€ fine. Took ages to sort out.
 
Angilion said:
Hmm...several posts criticising the OP for telling the company to cancel the direct debit rather than telling the bank to cancel it and one post criticising the OP for telling the bank to cancel the direct debit rather than telling the company to cancel it.

Seems rather harsh.

Although not as harsh as the way the bank brushed off the OP.
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Not letting this rest.
 
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