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Co Op Cashminder Direct Debit

I think I have made a boo boo, should I have waited until tomorrow to have cancelled a DD (for future payments) where the payment has been deducted correctly today.
I rang the Co Op but they say I have to wait until midnight to find out if ok.

Info. on their website looks to me to contradict itself

You can ask us to stop or cancel a payment provided:
the amount has not already been deducted from your account
• we have not told the payee or their bank that it will be paid
• if a cheque, it has not been guaranteed by your cheque guarantee card
if it is a standing order or direct debit, your request is made by 8pm on the working day payment is due to be debited, and
• it is not a cash or card payment. If you want to cancel a direct debit or other regular payment tell us, but you must also tell the person or organisation that collects the payment that you have cancelled it.
3.6 When you write a cheque it is important to take all reasonable precautions to prevent anyone else altering it

Comments

  • Hazzanet
    Hazzanet Posts: 1,723 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Nope; if you cancelled today the amount will be returned unpaid.

    Source: Did this myself and mucked it up.
    4358
  • I_luv_cats
    I_luv_cats Posts: 14,453 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 2 March 2010 at 3:07AM
    Phew !!!
    The direct debit is still showing as paid, TG and I have just removed it from my DD list.
    It is weird that even the bank didn't know whether it would clear my account or not!
    I continue to scratch my head!
  • Hazzanet
    Hazzanet Posts: 1,723 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I_luv_cats wrote: »
    Phew !!!
    The direct debit is still showing as paid, TG and I have just removed it from my DD list.
    It is weird that even the bank didn't know whether it would clear my account or not!
    I continue to scratch my head!

    How weird. I cancelled on the day of payment about three years ago, and the payment was reversed the same day. Perhaps they have changed their procedures?
    4358
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