canceling debit card does it affect direct debits

leotech

Hi i want to cancel my debit card but i have a direct debit payment due to go out this week does canceling a debit card affect my direct debits or will they be able to go through still?

Im with nationwide is that changes anything.

I want to cancel my card to protect myself from someone taking money out of my account without my permission, i have signed up to an online web company for a 3 month trial as part of my uni course but after googleing for how to cancel the trial i have come across some troubling posts about the company taking money out of peoples accounts after they have canceled and it has been near impossible for them to get there money back.

Will canceling my card even protect me against this?

im hoping it will as my new card should have a new card number so anyone trying to take money out will be blocked from using the old card number.

And finally to get my card canceled quickly should i just report it as lost/missing even though i still have the card.


thanks for any help, i hope my questions are clear if not just say.

McKneff

As long as you cancel the subscription iin time in writing or email (and get a recipt to say it has been read) to the company that you think may take unauthorised money out of your account and keep a copy of the correspondence the DD rules allow you to reclaim this from the bank. As far as i know the fact that you have 'lost' your card will not affect other DDs as this does not close your account

SalsaDanca

If you set up a direct debit, you are covered by the direct debit guarantee as anniehanlon says. To set up a direct debit, you would have given the company your eight digit account number and six digit sort code. If you gave them the sixteen digit number on your debit card, they have set up a Continuous Payment Authority and you are not covered by the direct debit guarantee.

CPAs can be very hard to cancel if the company you are paying won't co-operate, as your bank has to pay them. If you had used a credit card, cancelling the credit card or even closing the account wouldn't be enough to get rid of it. I'm not sure if the rules are different for debit cards, but your first step should be to contact the company and cancel the free trial. I suggest that you write to them, use recorded delivery or at least get proof of posting for your letter.

Good luck,

Rob

leotech

Well from what you have posted it is a CPA i have with them so unless debit cards are different from credit cards then there doesn't seem and advantage in canceling my card.

I have started the canceling process you have to send them a message through there websites support facility so i can record the results of that. As for the canceling it in time the terms and conditions do say 30 days notice so i am under that as my trial expires in 14 days so that is not in my favor.

edit: searching the forum on CPA's doesn't make for good reading looks like if i do get charged after i have canceled the trial i will just have to let the money go and hope i can cancel it for next year otherwise i could paying for years. Also looks like canceling the card will do nothing to stop this from happening so i won't report it lost im not sure even sure closing down my nationwide account would do anything looks like all the rights are against the customer as always.

ICan'tStandIt

leotech wrote: »

im hoping it will as my new card should have a new card number so anyone trying to take money out will be blocked from using the old card number.

Merchants can force transactions through if their transaction declines and they believe they are entitled to the funds. This is especially the case in CPAs.

Unless you have proof of cancellation, there is no guarantee that the Nationwide would refund any debits as, without your proof of cancellation, they have no grounds to get the money back from the merchant. This is how it works with a CPA anyway, a direct debit is different and you just need to cancel it and cancelling the debit card wouldn't help or make any difference to the direct debit cancellation.

This is presuming that the merchant doesn't set the direct debit up again from their end as, unless you have cancelled the contract and they have accepted cancellation, they are merely pursuing their right to those funds by reinstating the direct debit and claiming the money.

If you want to cancel your agreement, then do so and cancel with the merchant and next time, research an unknown company BEFORE you agree to give them any money.

Cancelling cards is just going around the houses and may not give you the end result you want.

leotech

ICan'tStandIt wrote: »

Merchants can force transactions through if their transaction declines and they believe they are entitled to the funds. This is especially the case in CPAs.

Unless you have proof of cancellation, there is no guarantee that the Nationwide would refund any debits as, without your proof of cancellation, they have no grounds to get the money back from the merchant. This is how it works with a CPA anyway, a direct debit is different and you just need to cancel it and cancelling the debit card wouldn't help or make any difference to the direct debit cancellation.

This is presuming that the merchant doesn't set the direct debit up again from their end as, unless you have cancelled the contract and they have accepted cancellation, they are merely pursuing their right to those funds by reinstating the direct debit and claiming the money.

If you want to cancel your agreement, then do so and cancel with the merchant and next time, research an unknown company BEFORE you agree to give them any money.

Cancelling cards is just going around the houses and may not give you the end result you want.

Ye after reading about CPA's canceling my card would do nothing. So all i can do now is sit and wait and hope im lucky and don't get scammed.

I would hope to hear back from them by tuesday afternoon with the confirmation about canceling though im not sure this could be used later to prove im in the right as you have contact them through there own messaging service and not email though are dates and time next to each message so i will print screen the site like mad once i hear back.

Ye i have to hold my hands up on not doing any research about them but we were recommended to use them by a university lecturer as part of my degree and i assume things have gone ok in the past so trusted the site.

If they do take money out of my account after the confirmation of cancelation or don't confirm before taking money what can i actually do to stop them taking more in the future? or atleast make it harder for them.


thanks for the help

jonesMUFCforever

My advice for what its worth - if they do take any money tell Nationwide that its fraud and don't mention that you gave them a CPA.
That way you should get your money back.

ICan'tStandIt

jonesMUFCforever wrote: »

My advice for what its worth - if they do take any money tell Nationwide that its fraud and don't mention that you gave them a CPA.
That way you should get your money back.

What ???

Do you think that the people that work in the fraud department of Nationwide have just fallen off a Christmas tree ?

They do investigate claims of fraud, they don't just take a customer's word for it. In this case, the merchant would supply the ISP address and the email address and other contact information that they took for the transaction - all would point to leotech. Nationwide would then hold leotech liable and note his account that he submitted a claim for fraud that turned out itself to be, shall we say, less than 100% honest.

If you want an organisation like Nationwide to help you in a case like this, then you have to be straight with them. Cancel the agreement and send this to Nationwide, so they can refund anything after the date of cancellation. You may need to take the hit on anything debited before you cancelled.

leotech

ICan'tStandIt wrote: »

What ???

Do you think that the people that work in the fraud department of Nationwide have just fallen off a Christmas tree ?

They do investigate claims of fraud, they don't just take a customer's word for it. In this case, the merchant would supply the ISP address and the email address and other contact information that they took for the transaction - all would point to leotech. Nationwide would then hold leotech liable and note his account that he submitted a claim for fraud that turned out itself to be, shall we say, less than 100% honest.

If you want an organisation like Nationwide to help you in a case like this, then you have to be straight with them. Cancel the agreement and send this to Nationwide, so they can refund anything after the date of cancellation. You may need to take the hit on anything debited before you cancelled.

Ye as mentioned before i have not given them the 30 days notice they state in there T&Cs so i am going to have to prepared to get hit with a £90 bill for 2 years service i don't want but i am more concerned now with stopping them from taking more money in the future.

this will be lesson learnt the hard way and it is down to my lack of research and trusting one of my lecturers to make a good choice. i will email my fellow students about this once we are back at uni (i don't have email addresses at home) to warn them to be careful.

jonesMUFCforever

ICan'tStandIt wrote: »

What ???

Do you think that the people that work in the fraud department of Nationwide have just fallen off a Christmas tree ?

They do investigate claims of fraud, they don't just take a customer's word for it. In this case, the merchant would supply the ISP address and the email address and other contact information that they took for the transaction - all would point to leotech. Nationwide would then hold leotech liable and note his account that he submitted a claim for fraud that turned out itself to be, shall we say, less than 100% honest.

If you want an organisation like Nationwide to help you in a case like this, then you have to be straight with them. Cancel the agreement and send this to Nationwide, so they can refund anything after the date of cancellation. You may need to take the hit on anything debited before you cancelled.

For £90 they would not bother.
Surely they have bigger frauds to fry.

normanmark

jonesMUFCforever wrote: »

For £90 they would not bother.
Surely they have bigger frauds to fry.

They would, on their system it will highlight that its a CPA plus also any conversation with the merchant will find that they have the customers details there. Nationwide will just refer the customer back to the company.

So its pointless to act dumb on it. Best bet is to get back in touch with the company & get it sorted before payment is made.