Unpaid Direct Debit Fees

Neoito

I have a loan agreement with a company and unfortunately I did not have sufficient funds to make the payment last month. I accept this and the charges associated with it. However after this they represented for the payment without informing me and I incurred a further 2 charges (they represent for 2 direct debits for the total amount).

I understand that if I want these charges back it is the responsibility of the loan company but they say the agreement I signed allows them to do this.

I checked the agreement and it says that;

"If we are required to do so under any applicable law or other legal requirement, we will provide you with advance notice before we re-present for payment a previously returned or dishonoured debit."

I was wondering if there is any such law that states they must give me notice as I have been unable to find much info on this.

Any help greatly appreciated.

natweststaffmember

I think you might have cause to ask the loan company explaining why it did not give you advance warning about representing a previously returned or dishonoured debt.

Neoito

I asked them about this and they basically said "It says we can do it in your agreement" and don't really seem to want to offer any more info.

I was really hoping that they had some obligation to give me notice of representing.

natweststaffmember

Neoito wrote: »

I asked them about this and they basically said "It says we can do it in your agreement" and don't really seem to want to offer any more info.

I was really hoping that they had some obligation to give me notice of representing.

I think you need to ask them where in your agreement and have the agreement in front of you when you do, ask them to quote the bit in full.