Direct Debit - taking money too early

CLAPTON

BarclaysManager wrote: »

http://www.google.co.uk/search?hl=en&q=direct+debit+%22on+or+around%22&meta=cr%3DcountryUK|countryGB

Result 1: UoD
Result 3: UNICEF



In context of this thread, a monthly bill being paid one day early to nPower - I think it's perfectly reasonable, not remotely ridiculous.

Bear in mind we're talking about a utility company that bills monthly - they have no reason to stray too far from the date.



I'm very happy for you.

I would normaly express amazing and astonishment that a bank official would take a view that taking an amount early would be 'reasonable'.
If I withdraw my salary a day or two early from Barclays bank will they consider this 'reasonable and not remotely rediculous'.

However, recent events have clearly shown the total incompetence of banking personnel at the highest level showing a complete disregard for common sense and maybe criminality.
Staggering.

masonic

peachyprice wrote: »

An incorrect amount has been taken or a payment has been taken on the wrong date
<snip>

What you've pasted from the BACS website applies when a payment has been taken that is NOT in accordance with what has been agreed by you and the company you are paying. If a company has correctly notified you in advance that payments may be taken "on or around" a specific date, I fail to see how the direct debit guarantee could be invoked when they take a payment, for example, before rather than after a non-working day.

masonic

CLAPTON wrote: »

I would normaly express amazing and astonishment that a bank official would take a view that taking an amount early would be 'reasonable'.
If I withdraw my salary a day or two early from Barclays bank will they consider this 'reasonable and not remotely rediculous'.

If you could get them to sign an agreement allowing you to do so (as is being done to the customers in the case of these direct debit agreements), then some people might call that an overdraft.

Extant

CLAPTON wrote: »

I would normaly express amazing and astonishment that a bank official would take a view that taking an amount early would be 'reasonable'.
If I withdraw my salary a day or two early from Barclays bank will they consider this 'reasonable and not remotely rediculous'.

The relationship between you as a customer of Barclays Bank plc and you and your creditors is completely different.

In addition, you have clearly not been paying attention: I find it reasonable if the early payment is taken in accordance with an agreement made with your creditor.

However, recent events have clearly shown the total incompetence of banking personnel at the highest level showing a complete disregard for common sense and maybe criminality.
Staggering.

You may not be aware of this, but in organizations as large as ours, the retail banking arm is completely separate from other areas that may have been investments that are, in hindsight, less than ideal.

"Common sense" is hardly the issue here; a payment has been made in a completely normal manner which is likely in line with the customer's agreement, and can be found in many other agreements - something you disputed.

The fact that you may not agree does not some how make this arrangement wrong.

olly300

peachyprice wrote: »

An incorrect amount has been taken or a payment has been taken on the wrong date

A Direct Debit Instruction should be set up as outlined in How to set up a Direct Debit. When the arrangements are in place you should receive advance notice confirming when the payments will be taken and how much they will be – it is advisable to check this to confirm the details are correct.
If a Direct Debit payment has been taken which is not in accordance with the advance notice received i.e. too much has been taken or the payment has been taken on the wrong date (the organistion must take the Direct Debit payment on or within three working days after the specified date as advised in the Advance Notice), you are entitled to an immediate refund of the amount debited from your bank under the Direct Debit Guarantee.

Taking the payment before is not acceptable under the DD guarantee.

Not true.

The way you have highlighted the quote is misleading. As I stated in my previous posts not all direct debit agreements have exactly the same wording.

If a Direct Debit payment has been taken which is not in accordance with the advance notice received i.e. too much has been taken or the payment has been taken on the wrong date (the organistion must take the Direct Debit payment on or within three working days after the specified date as advised in the Advance Notice)

The organisation clearly told the OP that the direct debit will be taken from their account "on or around" a particular date. Legally they have done this.

If the OP is not happy with the terms of the DD agreement they must:
1. Complain to the company and exhaust their complaints procedure
2. Complain to the Energy ombudsman

CLAPTON

olly300 wrote: »

Not true.

The way you have highlighted the quote is misleading. As I stated in my previous posts not all direct debit agreements have exactly the same wording.



The organisation clearly told the OP that the direct debit will be taken from their account "on or around" a particular date. Legally they have done this.

If the OP is not happy with the terms of the DD agreement they must:
1. Complain to the company and exhaust their complaints procedure
2. Complain to the Energy ombudsman

Totally wrong,
The OP did NOT state the DD said 'on or around'
that ascertain was made by the BarclaysManger saying that all DD said this.... wrong. (clearly some do but I will attempt to find out what they actually mean)..
Let me be clear I do not personally know what n-power DD says but I do know my electricity supplier doesNOT say that nor BT or call1899.com nor Barclays regular saver , or Halifax regular saver nor.....

storminbalder

I don't know why there are suddenly people trying to defend Npower.

They're a bunch of immoral, cheating, blood sucking Nazis surely. I say the OP should try and screw them for every penny he can get.

I suggest people try reading this before attempting to defend the indefensible!

http://news.bbc.co.uk/1/hi/business/7889025.stm

masonic

CLAPTON wrote: »

(clearly some do but I will attempt to find out what they actually mean)..

Let's hope you have more success than this person did.

masonic

storminbalder wrote: »

I don't know why there are suddenly people trying to defend Npower.

Unfortunately, you seem to be unable to distinguish between the company and its actions.

Extant

CLAPTON wrote: »

Totally wrong,
The OP did NOT state the DD said 'on or around'
that ascertain was made by the BarclaysManger saying that all DD said this.... wrong. (clearly some do but I will attempt to find out what they actually mean)..

I didn't say all. I said "pretty much every." That's not all, it merely implies a majority.

Let me be clear I do not personally know what n-power DD says but I do know my electricity supplier doesNOT say that nor BT or call1899.com nor Barclays regular saver , or Halifax regular saver nor.....

I sincerely doubt your Barclays Regular/Reward/Montly Saver/Savings account is funded by a Direct Debit.

More to the point, everyone in this thread is assuming that these direct debits have a specified date on them in the first place.