Need SERIOUS Help :(:(:(

jonesMUFCforever

Is it a Direct debit at all?
You cannot legally enter into a contract before the age of 18 so someone might have put some porkies on the gym application form - this is of course fraud.

If he paid by a continuous authority on a debit card then unless he cancelled the payment with the gym the bank have to pay any transaction asked for. In this instance D/D indemnity does not come into it.

Having read the OP's post I cannot see what the bank has done wrong.

General_Gab

jonesMUFCforever wrote: »

Is it a Direct debit at all?
You cannot legally enter into a contract before the age of 18 so someone might have put some porkies on the gym application form - this is of course fraud.

If he paid by a continuous authority on a debit card then unless he cancelled the payment with the gym the bank have to pay any transaction asked for. In this instance D/D indemnity does not come into it.

Having read the OP's post I cannot see what the bank has done wrong.

Yes it is a direct debit, they take £16 straight out of my account every month, they never ever said anything about being over 18 and i told them my age and even had to write it down on the form when setting up the direct debit. Also, when speaking to a friend about this who also goes to the same gym, he was told when he went in to get a direct debit set up he had to have a parent with him, he was 17 at the time just like me but they wouldn't let him take one out but they did let me

I think i may of got something wrong in my first post, when i looked at my account i thort OD meant overdraft, but a family member said it meant over drawn so i dont think i have an overdraft

Oh and on the note of the bank doing nothing wrong, they want to charge me £58 for being overdrawn 6 days clearly resonable

jonesMUFCforever

What does it say EXACTLY on your bank statement?
Is it D/D or direct debit or does it say Debit or DEB for a card.

Read my original post again - ask them for a copy of the application form from the gym.
You cannot enter into a contract for unneccessary goods until you are 18 - therefore if the information on the application form is correct and you have not added a year to your date of birth then you can go back to the gym and ask for your money back and ask them for the bank charges too.

If they won't play ball contact the CAB.
(Just be very sure about what you put on that application first - otherwise they could do you for fraud)

ray123

General_Gab wrote: »

, I decided to join The Cumberland (a building society) and switched my wages over to be payed into that account, also emptying the money out of my Natwest account ready for closing.

Did the Cumberland not offer you the option of transfer your direct debits and standing orders? I am assuming that they transferred your salary over to the new account.