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    • seven-day-weekend
    • By seven-day-weekend 30th Jan 07, 2:32 AM
    • 26,268 Posts
    • 47,604 Thanks
    seven-day-weekend
    • #2
    • 30th Jan 07, 2:32 AM
    • #2
    • 30th Jan 07, 2:32 AM
    I've always contacted the bank; although I believe there are some that have to be cancelled by the trader.

    Try the bank first.
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
  • MickKnipfler
    • #3
    • 30th Jan 07, 2:38 AM
    • #3
    • 30th Jan 07, 2:38 AM
    I cancelled with the trader but they continued to charge me. They acknowledge that I cancelled my membership but say I should have cancelled with the bank
    • seven-day-weekend
    • By seven-day-weekend 30th Jan 07, 2:47 AM
    • 26,268 Posts
    • 47,604 Thanks
    seven-day-weekend
    • #4
    • 30th Jan 07, 2:47 AM
    • #4
    • 30th Jan 07, 2:47 AM
    So cancel with the bank!
    To love someone is to learn the song in their heart and to sing it to them when they have forgotten it
    'I believe in Christianity as I believe that the sun has risen. Not only because I see it, but because I see everything by it': C.S. Lewis
    St. Augustine — 'In essentials, unity; in non-essentials, liberty; in all things, charity.'
  • MickKnipfler
    • #5
    • 30th Jan 07, 2:50 AM
    • #5
    • 30th Jan 07, 2:50 AM
    I have...but they've taken money in between....I need to know where I stand
  • computerwoman
    • #6
    • 30th Jan 07, 2:50 AM
    • #6
    • 30th Jan 07, 2:50 AM
    if in doubt always cancel with the bank as they cant take anymore of your money that way, its a pain trying to get it back and in some cases you dont



    Pls be nice to all MSer's
    There's no such thing as a stupid question, and even if you disagree courtesy helps.
    Tomorrow never come's as today is yesterday and tomorrow is today:confused:

    MERRY CHRISTMAS FELLOW MSer's
  • MickKnipfler
    • #7
    • 30th Jan 07, 2:55 AM
    • #7
    • 30th Jan 07, 2:55 AM
    I need to know my rights though. I cancelled my subscription and have a letter from them confirming that. They say that I should have cancelled the DD though and "as a gesture of good will" are offering me 2 months refund (instear of about 13)
    • Paul Varjak
    • By Paul Varjak 30th Jan 07, 2:55 AM
    • 4,313 Posts
    • 2,771 Thanks
    Paul Varjak
    • #8
    • 30th Jan 07, 2:55 AM
    • #8
    • 30th Jan 07, 2:55 AM
    I cancelled with the trader but they continued to charge me. They acknowledge that I cancelled my membership but say I should have cancelled with the bank
    by MickKnipfler
    When a direct debit is set-up you have a direct debit guarantee. If you cancel the direct debit with the trader they should act on your request! If they do not, you should contact your bank for a refund under the guarantee. I recently did this when nPower asked me to pay a final bill - which I duly paid - but they also used a direct debit to collect the money!

    The moral is, always cancel the direct debit with both the trader and the bank. If you have online banking, you can probably cancel direct debits online.
  • MickKnipfler
    • #9
    • 30th Jan 07, 2:57 AM
    • #9
    • 30th Jan 07, 2:57 AM
    I did cancel online today. They have taken 13 months payment though and have offered 2 months refund as "a gesture of goodwill"
    • tripled
    • By tripled 30th Jan 07, 2:59 AM
    • 2,355 Posts
    • 978 Thanks
    tripled
    As Paul Varjak said, claim them back under the direct debit guarantee then!
  • MickKnipfler
    will do if that's my entitlement......a call to the Halifax may be in order!
  • Bossyboots
    Agree with the others, contact your bank.
    • iceicebaby
    • By iceicebaby 30th Jan 07, 7:59 AM
    • 3,382 Posts
    • 5,780 Thanks
    iceicebaby
    Under the direct debit guarantee, and I quote!

    if an error is made by either the company or the bank, a full and immediate refund is given by your bank.

    The bank then claim this money back from the company who will then pursue you for it or not.
    Baby Ice arrived 17th April 2011. Tired.com!
  • MickKnipfler
    So If I cancel my membership and they confirm and then continue to take the money, is that a "mistake"?

    Am I right in believing that with a DD, the company takes the money and can vary the amount which is different to a Standing order where the bank controls it?
  • Moonbeam
    With a Direct Debit the company is generally in control of taking the money and can take set or variable amounts.

    A standing order is a regular payment you set up yourself for a set amount, so you are in control of the payments.

    When cancelling Direct Debits contact the company and the bank to make sure that no further funds come out of your account.

    Your bank can fill out a Direct Debit Indemnity Claim form for any payments made in error - this means the money goes back into your account and the bank persue the company for the funds.
    • Paul_Herring
    • By Paul_Herring 30th Jan 07, 11:28 AM
    • 6,013 Posts
    • 2,725 Thanks
    Paul_Herring
    Am I right in believing that with a DD, the company takes the money and can vary the amount which is different to a Standing order where the bank controls it?
    Sort of.

    Direct Debit: The company receiving the money pulls however much they want out of your bank account when they want to (well - within limits - they have to give you notice of changes.) You can cancel the DD at any time (but you should give notice to the company aswell.)

    Standing Order: You decide the amount and the date, and you push it out of your account. You can cancel the SO at any time.

    Continious Payment Authority (CPA): Usually associated with credit cards, but applies to some bank accounts. Acts like a Direct Debit, with the major exception that you cannot cancel it yourself at the bank (not can the bank themselves cancel it) - you must get the company taking the money to cancel it.

    The difference between DD and CPA is which number(s) you give the company off your bank card. If you give the sort code and account number it's a DD, if you give the 16 digit number across the middle, it's a CPA.
    Conjugating the verb 'to be":
    o I am humble
    o You are attention seeking
    o She is Nadine Dorries
  • MickKnipfler
    Thanks guys,

    I phoned the bank this morning and they said complain to the company, if that doesn't work fill out the indemnity form
    • YorkshireBoy
    • By YorkshireBoy 30th Jan 07, 11:42 AM
    • 27,184 Posts
    • 15,201 Thanks
    YorkshireBoy
    If I want to cancel, who do I have to contact; the bank or the trader?
    by MickKnipfler
    From the BACS website...
    Q. How do I cancel a Direct Debit?

    A. If you need to cancel a Direct Debit, simply write to your bank or building society. It is also a good idea to send a copy to the organisation concerned. Your bank or building society can make the cancellation up to and including the due date, but try not to leave it until the last minute or you run the risk of a payment being made. Remember that cancelling the Direct Debit simply stops paying the organisation. If you carry on receiving the goods or service then you will have to organise an alternative payment method.

    http://www.bacs.co.uk/BPSL/directdebit/generalpublic/faqs/DC_public_FAQ.htm#Q11
  • JohalaReewi
    Thanks guys,

    I phoned the bank this morning and they said complain to the company, if that doesn't work fill out the indemnity form
    by MickKnipfler
    That is not how the DD guarantee scheme works. If money has been paid by DD out of your account and it was either the wrong amount, or too early (or both) you are entitled to a full and immediate refund from your bank. The bank are not allowed to tell you to take itup with the other company, or make you wait until their indemity form has gone through the works. BACS official line on the definition of immediate is 'within 24 hours'.

    You said "I cancelled with the trader but they continued to charge me. They acknowledge that I cancelled my membership but say I should have cancelled with the bank". This would suggest that you were not expecting to pay any more but payments were taken so, this is covered by the DD guarantee scheme and your bank should refund immediately.

    You are sure it was a DD and not a CPA?
  • Hunter1981
    Its called an "Indemnity Claim", the bank have no option but to comply with refunding any dd's paid from your account in error.
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