The way to pay

bdt1

We had absolute nightmare with CSA and bank accounts, won't go into it, it's for another thread, but simply, we told CSA we are happy to pay maintenance, just that we do not want to pay FROM a bank account, we demanded to pay by Giro pay-in slips over counter.

At first they kicked up fuss, said this method is not possible, we started writing to MP etc, and hey presto, Giro pay-in slips arrived inpost, so this method is available also, but they won't tell you thhat. We do of course keep all slips as proof.

CRANKY40

bdt1 wrote: »

We had absolute nightmare with CSA and bank accounts, won't go into it, it's for another thread, but simply, we told CSA we are happy to pay maintenance, just that we do not want to pay FROM a bank account, we demanded to pay by Giro pay-in slips over counter.

At first they kicked up fuss, said this method is not possible, we started writing to MP etc, and hey presto, Giro pay-in slips arrived inpost, so this method is available also, but they won't tell you thhat. We do of course keep all slips as proof.

You don't even need paying in slips to do this. All you need are CSA bank details and the CORRECT (as in yours and nobody elses) reference number.

Orson_Cart_2

pinkpig08 wrote: »

If you pay by D/D then the CSA can take what they like!

Thats not entirely true, I had this in 2001 and the CSA failed to comply with the DD Guarantee by not telling me of an increase in payments. I gave the CSA a written warning letter on the first instance and cancelled the DD on the second instance and recovered the over-payment under the direct debit guarantee scheme.

The Direct Debit Guarantee is: (taken from the Financial Ombudsman website)

[FONT=Verdana, Arial, Helvetica, sans-serif][FONT=Verdana, Arial, Helvetica, sans-serif]If there is a change in the amount to be paid or the payment date, the person receiving the payment (the originator) must notify the customer in advance. [/FONT][/FONT]

[FONT=Verdana, Arial, Helvetica, sans-serif][FONT=Verdana, Arial, Helvetica, sans-serif]If the originator or the bank/building society makes an error, the customer is guaranteed a full and immediate refund of the amount paid.[/FONT]

[FONT=Verdana, Arial, Helvetica, sans-serif][SIZE=-1]Customers can cancel a direct debit at any time by writing to their bank or building society. [/FONT]
[/FONT][/SIZE]

LizzieS_2

Orson_Cart wrote: »

Thats not entirely true, I had this in 2001 and the CSA failed to comply with the DD Guarantee by not telling me of an increase in payments. I gave the CSA a written warning letter on the first instance and cancelled the DD on the second instance and recovered the over-payment under the direct debit guarantee scheme.

The Direct Debit Guarantee is: (taken from the Financial Ombudsman website)

Agree. The only problem is proving to the bank that you were unaware of the increase in DD payments, you need a letter from the csa effectively proving you did not know in advance.

Dancing_Shoes

Also they would have to claim the money back from the CSA as it isn't the Bank at fault......can't see that happening:rolleyes:
The best idea is to get onto internet banking and check your account on the date of payment and if they claim too much then contact the CSA that day. If they claim too much on our account we will be getting our bank to return the payment

Orson_Cart_2

LizzieS wrote: »

Agree. The only problem is proving to the bank that you were unaware of the increase in DD payments, you need a letter from the csa effectively proving you did not know in advance.

That was the easy bit, the bank saw the payments are regular as clockwork and refunded the overpayments without further ado. I didnt need letters or documents.

Orson_Cart_2

Dancing_Shoes wrote: »

Also they would have to claim the money back from the CSA as it isn't the Bank at fault......can't see that happening:rolleyes:

Apparently they can. Its debited straight out of the originators bank account with an administration fee. The CSA got a letter (saw it at my tribunal) telling them of the banks decision and their fee and advised them to contact the customer. The banks letter want on saying their AUDDIS (Automated Direct Debit Instruction Service) is suspended from collecting money from my bank account to protect the bank and its customers until I give written permission to reinstate the direct debit.

Dancing_Shoes

Orson_Cart wrote: »

Apparently they can. Its debited straight out of the originators bank account with an administration fee. The CSA got a letter (saw it at my tribunal) telling them of the banks decision and their fee and advised them to contact the customer. The banks letter want on saying their AUDDIS (Automated Direct Debit Instruction Service) is suspended from collecting money from my bank account to protect the bank and its customers until I give written permission to reinstate the direct debit.

Well done thats brilliant, you clearly have a Bank that actually cares:T

CRANKY40

Dancing_Shoes wrote: »

Well done thats brilliant, you clearly have a Bank that actually cares:T

No it's standard. It's also a lot easier to do if you alert your bank to the problem on the day the incorrect dd goes out. They can pull it straight back then instead of asking the offender for a refund.

Orson_Cart_2

Apparently it can be up to 120 days after the transaction date but a solicitor said something about a limitation act that says 6 years provided the originators holding account is still active and has a credit balance to pay the refund.