We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
unpaid direct debit fee - balance repaid
localhero
Posts: 834 Forumite
in Credit cards
I repaid my credit card balance in full, and cancelled the direct debit with my bank. (But not with the c/c.)
The c/c co then tried to take the d/d but was unsuccessful. They then charged me £12 for a 'returned payment fee'.
when I complained to the c/c they initially said it was correct because I didn't inform them I had cancelled the d/d. My issue is that since no money was due under the contract, they had received it in full 3 days before it was due, they should not have tried to take the d/d (and therefore the subsequent £12).
After about 25 mins on 0845 number when I could have been earning money, they agreed to return the £12, but no gesture of goodwill for my time and inconvenience.
Is it reasonable to expect compensation or should I just call it quits? I do have a mortgage with the c/c co.
The c/c co then tried to take the d/d but was unsuccessful. They then charged me £12 for a 'returned payment fee'.
when I complained to the c/c they initially said it was correct because I didn't inform them I had cancelled the d/d. My issue is that since no money was due under the contract, they had received it in full 3 days before it was due, they should not have tried to take the d/d (and therefore the subsequent £12).
After about 25 mins on 0845 number when I could have been earning money, they agreed to return the £12, but no gesture of goodwill for my time and inconvenience.
Is it reasonable to expect compensation or should I just call it quits? I do have a mortgage with the c/c co.
[FONT="]Public wealth warning![/FONT][FONT="] It's not compulsory for solicitors or Willwriters to pass an exam in writing Wills - probably the most important thing you’ll ever sign.[/FONT]
[FONT="]Membership of the Institute of Professional Willwriters is acquired by passing an entrance exam and complying with an OFT endorsed code of practice, and I declare myself a member.[/FONT]
[FONT="]Membership of the Institute of Professional Willwriters is acquired by passing an entrance exam and complying with an OFT endorsed code of practice, and I declare myself a member.[/FONT]
0
Comments
-
Compentation for what exatly?0
-
Inconvenience of spending half an hour of my time and cost of calling an 0845 number.[FONT="]Public wealth warning![/FONT][FONT="] It's not compulsory for solicitors or Willwriters to pass an exam in writing Wills - probably the most important thing you’ll ever sign.[/FONT]
[FONT="]Membership of the Institute of Professional Willwriters is acquired by passing an entrance exam and complying with an OFT endorsed code of practice, and I declare myself a member.[/FONT]0 -
It was entirely your fault though! You've instructed them to collect min/fixed/full payment from your account each month unless you tell them otherwise. It's not upto them to assume how much or little you want to pay each month.
You've got the £12 back, I would call it quits now and leave it at that.0 -
Who's the provider?0
-
Abbey National - card with MBNA. I agree Jamalfatty up to a point. My issue is that by paying the whole lot back (end of 0% fixed rate) they shouldn't be taking the d/direct.[FONT="]Public wealth warning![/FONT][FONT="] It's not compulsory for solicitors or Willwriters to pass an exam in writing Wills - probably the most important thing you’ll ever sign.[/FONT]
[FONT="]Membership of the Institute of Professional Willwriters is acquired by passing an entrance exam and complying with an OFT endorsed code of practice, and I declare myself a member.[/FONT]0 -
Why not? They've already informed you that this is EXACTLY what they will do.Abbey National - card with MBNA. My issue is that by paying the whole lot back (end of 0% fixed rate) they shouldn't be taking the d/direct.
Check out your DD confirmation letter from MBNA...
Now what was that about compensation?Important: Confirmation of the set-up of your Direct Debit Instruction.
...<snip>...
If you make manual payments to your account once the Direct Debit has been activated, these will not reduce the amount that we will collect by Direct Debit, unless you advise us at least seven working days prior to the Direct Debit being collected.
To cancel the Direct Debit please contact your bank or building society and advise us of your request.
Also, why on earth are you using 0845 numbers? MBNA has dozens of freephone numbers you can call.0 -
Thanks yorkshireboy, I just rang the number on the statement - I hate those 0845/70 numbers!
I guess I should be grateful they gave me the £12 back as they initially refused.[FONT="]Public wealth warning![/FONT][FONT="] It's not compulsory for solicitors or Willwriters to pass an exam in writing Wills - probably the most important thing you’ll ever sign.[/FONT]
[FONT="]Membership of the Institute of Professional Willwriters is acquired by passing an entrance exam and complying with an OFT endorsed code of practice, and I declare myself a member.[/FONT]0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards