Direct Debit - taking money too early

CLAPTON

masonic wrote: »

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

Interesting thread but fortunatley I'm only acting out of general interest...

From my personal experience over many years of using DDs, only once has an DD been taken early and the relevant authority issued a public apology, admitting error and offering to re-inburse any costs etc. (none in my case)

Extant

masonic wrote: »

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

I wouldn't bother replying to somebody who describes a business as "blood sucking Nazis."

CLAPTON

BarclaysManager wrote: »

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



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.

There you go.... many people would assume 'pretty much every' was a little more than a 'majority'.. indeed they may have thought it meant pretty much every. I would be interested if any of your personal DD have such a clause.


I used to take the view that 'big organisation' would act responsibly and honourably and indeed legally and also believed in the light touch regulation.

However, PPI (remember all the mis selling) , Credit card/debit card fraud handling (remember when it was 'technically impossible' to break ATM security or break 'chip and pin' security.
Or listening to Centrica arguing in court that people shouldn't worrry about threats of court action because everyone 'knew' that computer letters didn't really mean what they said or pension mis selling etc etc

So we will indeed look forward to yards and yards of new regulations because sadly people like youself actually seem to believe such behaviour is reasonable and acceptable.

But there you go. I will leave it here.

Extant

CLAPTON wrote: »

I would be interested if any of your personal DD have such a clause.

I do not use direct debits.

So we will indeed look forward to yards and yards of new regulations because sadly people like youself actually seem to believe such behaviour is reasonable and acceptable.

Acceptable if part of an agreement made by customer and creditor. Note emphasis.

peachyprice

OK BarclaysManager & olly300 you are WRONG.

A direct debit mandate should NEVER have the clause 'on or around' and should hot have been agreed by NPowers bank as correct. NPower are trying to flount the DD guarantee with this wording and are deliberatley misleading customers into believing they have a right to take money early

By putting 'on or around' on their mandate does not give NPower the right to overule the Direct Debit guarantee and is worth diddly squat, they are still bound to take the money on or within 3 days AFTER the specified date, NOT before.

I received this information by phone from the BACS helpline, who confirmed that the NPower DD is incorrect and should be changed.

Anyone who has signed this mandate and has had problems with payments beinbg taken early can report NPower to APACS, the UK paymentsd trading association on 0207 711 6200.

If you have a problem with this being correct information (as I expect you will), do contact BACS yourself, they are very helpful and will confirm exactly as stated.

And for the record I have successfully had a DD refunded, not from NPower (thankfully I'm not with them) but from BT.

This doesn't change the fact that the OP is a twonk for expecting compensation though.

littleowl

BarclaysManager wrote: »

I do not use direct debits.



Acceptable if part of an agreement made by customer and creditor. Note emphasis.

Just curious - if you do not use DDs what methods do you use for payment of recurring bills?

Extant

littleowl wrote: »

Just curious - if you do not use DDs what methods do you use for payment of recurring bills?

Standing orders, debit card payments or direct transfers.

Extant

peachyprice wrote: »

OK BarclaysManager & olly300 you are WRONG.

A direct debit mandate should NEVER have the clause 'on or around' and should hot have been agreed by NPowers bank as correct. NPower are trying to flount the DD guarantee with this wording and are deliberatley misleading customers into believing they have a right to take money early

By putting 'on or around' on their mandate does not give NPower the right to overule the Direct Debit guarantee and is worth diddly squat, they are still bound to take the money on or within 3 days AFTER the specified date, NOT before.

I received this information by phone from the BACS helpline, who confirmed that the NPower DD is incorrect and should be changed.

Anyone who has signed this mandate and has had problems with payments beinbg taken early can report NPower to APACS, the UK paymentsd trading association on 0207 711 6200.

If you have a problem with this being correct information (as I expect you will), do contact BACS yourself, they are very helpful and will confirm exactly as stated.

And for the record I have successfully had a DD refunded, not from NPower (thankfully I'm not with them) but from BT.

This doesn't change the fact that the OP is a twonk for expecting compensation though.

You are choosing to ignore the "or as otherwise agreed" part of the page you yourself linked: there are thousands of mandates in force with similar clauses. They're all perfectly valid, especially when they're not dated mandates in the first place.

And for reference, APACS and BACS have virtually no power and will do little more than contact npower's sponsoring organization.

willo65

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)..
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.....

lookin back at post 14 another member has clarified that Npower use the term on or around. I also know that Vodafone use this term on their bills. I don't think that Npower should have taken the money early but as no costs incurred and was only one day i wouldn't make too much fuss about it. If any bank charges were incurred I would have probably chased Npower for it.

littleowl

BarclaysManager wrote: »

Standing orders, debit card payments or direct transfers.

Thanks for your reply. However, I wonder how you make payments to your ISP for Internet access? I cannot see any method other than DD.

I will be clear here. I would rather not use DD at all and am seeking ways to pay in other ways. The only DD payments I have are for Internet, gas & electricity bills and Council Tax. I would dearly love to change the method of payment for these.