HSBC cancelled my DD

paulw98

Well after 8 happy years HSBC have finally let me down. I pay my O2 phone bill monthly by DD and set it up well over a month ago. I checked on the 22nd of Feb when the first payment was suposed to come out, and it had, all good i assumed.

I looked at my dd and SO's the other day and it was only showing my other 3 in the section. On further investigation I found my O2 one in the old DD's section with the status cancelled. I rang HSBC and they said O2 had cancelled it. I then rang O2 and they said they haddnt. I asked what to do and they said they couldnt see why it wouldnt come out at normal on the 22nd march ( i hovever couldnt see why it would) and to wait and see. It hasnt (obviously) come out but they still need a 24 hour period for it to be declined before they will do anything about it.

I will call them tomorrow and try and pay on debitcard but i want to know why this DD was cancelled in the first place. Seems to be a HSBC error as O2 wouldnt close the payment. Any thoughts or similar experiences?

Lokolo

I would be blaming O2 more than HSBC at the moment. What reason would the bank have to close the DD for? Never heard of this happening before :eek:

bev309

Businesses can't cancel a customers direct debit. They can stop taking payments at their end, but can't cancel the DDM. They do not have the authority to do so.

Hazzanet

bev309 wrote: »

Businesses can't cancel a customers direct debit. They can stop taking payments at their end, but can't cancel the DDM. They do not have the authority to do so.

I believe that AUDDIS actually does incorporate a function whereby the originator (the compnay you are paying) can notify the bank that the DD is inactive/no longer required and is thus cancelled.

The bank reason code will show "Cancelled by originator" when they check.

paulw98

Hazzanet wrote: »

I believe that AUDDIS actually does incorporate a function whereby the originator (the compnay you are paying) can notify the bank that the DD is inactive/no longer required and is thus cancelled.

The bank reason code will show "Cancelled by originator" when they check.

Thats what im expecting when i call tomorrow, still no idea why its happened. weird!

jambosans

Hazzanet wrote: »

I believe that AUDDIS actually does incorporate a function whereby the originator (the compnay you are paying) can notify the bank that the DD is inactive/no longer required and is thus cancelled.

The bank reason code will show "Cancelled by originator" when they check.

Spot on. Or will show "Cancelled via AUDDIS".

bev309

Hazzanet wrote: »

I believe that AUDDIS actually does incorporate a function whereby the originator (the compnay you are paying) can notify the bank that the DD is inactive/no longer required and is thus cancelled.

The bank reason code will show "Cancelled by originator" when they check.

Ah right thanks for that. That would be for when the payments had come to an end then I assume.