direct debit being set up without permission

Glad

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Mark_In_Hampshire

Fiver29 wrote: »

I wonder if someone with a similar bank number has joined them and accidentally transposed numbers?

If the OP has never been with that company, then this is probably the most likely explanation.

MyRubyRed

Mark_In_Hampshire wrote: »

If the OP has never been with that company, then this is probably the most likely explanation.

But surely the name and address wouldn't tie in?

HouseHuntr

Sounds like another bored troll with nothing else better to do on a sunday than make up a story. None of it adds up !

mr_mcgovern

hi all, the account is correct and under my name, as stated from an old account which i cancelled over 3 years ago.
i am gob smacked that this has happened and very angry as i only noticed the payment by chance.

samjef11_2

HouseHuntr wrote: »

Sounds like another bored troll with nothing else better to do on a sunday than make up a story. None of it adds up !

Stop calling every one trolls talktalk have been known for this as there are other stories like talktalk chaseing up say you own them money but you don't.

mr_mcgovern

HouseHuntr wrote: »

Sounds like another bored troll with nothing else better to do on a sunday than make up a story. None of it adds up !

hi i am not making this up will post another thread to try and explain situation better

thanks

Mark_In_Hampshire

MyRubyRed wrote: »

But surely the name and address wouldn't tie in?

You'd have thought that would be checked, though I must admit I don't know whether it is or not. I'd thought the only two pieces of information needed to create a DD mandate are sort code and account number so e.g. if you wrote me a cheque, I could set up dozens of DDs on your bank account.

The bit that's missing is any kind of "PIN number" or security which is why this happens and why the system is so wide open to abuse/fraud/error. If an operator transposes two digits then the wrong account cen be debited, which is what appears to have happened here.

Perhaps someone who knows more about the DD system can confirm this.

mr_mcgovern

hi i have posted a similar question only earlier on today, but by the answers i am getting i think i need to explain my situation better.
i have realised that the company talk talk/aol have some how managed to set up a direct debit on my bank account.when i first noticed i cancelled the direct debit online. i then checked again yesterday to notice the direct debit have been setup again and that money have been taken out of my account.
the company have my bank account details from a broadband service i used to have with them which has now been cancelled over 3 years now.
on contacting talk talk/aol i was informed it was a mistake on their behalf and the money would be refunded in 10 days time.
i stated that i would accept nothing less than my own money back but wanted an explanation who and why the direct debit was setup and also without my knowledge or permission. the lady was unable to explain why
my bank has now blocked this company from trying to setup any diect debits again
i wish to know where i stand legally on the grounds of complaining
many thanks

Mark_In_Hampshire

mr_mcgovern wrote: »

hi all, the account is correct and under my name, as stated from an old account which i cancelled over 3 years ago.
i am gob smacked that this has happened and very angry as i only noticed the payment by chance.

Ah - so they did have your bank details e.g. you'd been with them before - just noticed that.

In which case, they simply resurrected the DD mandate with the bank and helped themselves.

They're not supposed to do this (they're supposed to "get your permission" albeit the form of that permission - verbal, written etc is not specified), but there's nothing to prevent it.