Why the extra 2p?

Capyboppy

I have noticed that my capped 20p for 20 minutes landline to mobile calls with justdialsaver are being charged at 22p. I thought at first maybe that is because vat has been added, but the vat charges are at the bottom of the list. I can't see anything about this in the FAQ or terms and conditions, so wondered if anybody could shed any light on this.

Benji

Could there be a 2p connection charge?

thefirs

You get charged at the relevant rate if you go over time. Could the calls have been 20½ minutes?

If there's been a few like this, then it sounds like a system billing error. Dispute it with JDS, but (if as seems likely) they ignore you, then allow the Direct Debit to go through and then ask your bank to reverse it as a disputed payment. They'll soon start sitting up and paying attention then.

Capyboppy

Can't find anything to that effect. The only thing I can find is the following:-

Calls to UK mobiles are charged at incredibly competitive rates and are capped at a maximum of £0.20 off-peak, £0.15 weekend for up to 20 minutes, the normal pence per minute rate then applies

ginger_nuts

thefirs wrote:

ask your bank to reverse it as a disputed payment. They'll soon start sitting up and paying attention then.

I didnt know you could do that .

Capyboppy

You get charged at the relevant rate if you go over time. Could the calls have been 20½ minutes?

No, they were quite a bit under, such as 15 minutes.

onzey

I looked at my daughters just dial saver account (activated in October) and most off-peak calls to mobiles of any significant length (but less than 20mins) are showing as "0.17" (i.e 17p) which presumably becomes 20p with VAT. I did see one off-peak call of length 19m:14s which is showing as 53p which is clearly wrong.

There is a statement on the call records page (where you choose which month to view) which says:

"The call records available on this site are meant as a guide only and are not the final rated calls which will appear on the invoice. These call records are prior to any eligible discount, which will be applied as a credit on the invoice."

Maybe this means the call records on site might be wrong but everything gets corrected in the invoice.

Capyboppy

You have a point there. I have e-mailed them anyway and had the automatic "We will contact you within 2 days" mail back, so I will update you on what they say.

2ax

thefirs wrote:

ask your bank to reverse it as a disputed payment. They'll soon start sitting up and paying attention then.

ginger_nuts wrote:

I didnt know you could do that

I may be wrong, but I rather doubt if you can.

The DD guarantee is about reversing wrongly corrected payments (ie charging the wrong account), not about payments where the amount is disputed.

You don't have similar credit protection as on a credit card, as there is no credit involved and the bank is not in lieu of the retailer, and you have paid.

I believe that your bank would refuse the instruction and tell you to contact the vendor.

GeoThermal

The Direct Debit Guarantee applies when the wrong amount of money is taken.

thefirs

2ax wrote:

I believe that your bank would refuse the instruction and tell you to contact the vendor.

GeoThermal wrote:

The Direct Debit Guarantee applies when the wrong amount of money is taken

From the financial ombudsman website:

If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid.

This looks like an error. I asked my bank to reverse a payment that was billed incorrectly, and which I had told the supplier was incorrect. The supplier went ahead anyway, and the bank complied with my request without requesting any further details.