could i get my money back?

postingalwaysposting

i have just had a direct debit go from my account for an old mobile monthly top up, i was set up months ago but they never took it from day one, but today they have taken it :mad: i am now going to have £10 credit on an old mobile :mad: it takes 3/4 days to go though i there anyway i can get it reverised or is it one of this, your loss our gain? i have to mobile and sim so i suppose i could use it but what a pain :mad:

kathfisch

Can you phone the provider and see if they can reverse it? If not I guess you'll just have to use it... such a pain isn't it?! Make sure to cancel the direct debit once you've got it sorted!

postingalwaysposting

thanks kat, i guess they wont and i aint good on the phone i think i will just have to use it, i did originally cancel the direct debt but because i still had my contract one set up (last payment last month) i supose they used that to get it anyway they are all cancelled now :T and £10 less going into savings

leon103

postingalwaysposting wrote:

thanks kat, i guess they wont and i aint good on the phone i think i will just have to use it, i did originally cancel the direct debt but because i still had my contract one set up (last payment last month) i supose they used that to get it anyway they are all cancelled now :T and £10 less going into savings

Surely they can't do that.

I would give them a ring and ask why its been taken out. They can easily give you the money back and they may even let you keep the £10 on the phone

Optimist

postingalwaysposting wrote:

thanks kat, i guess they wont and i aint good on the phone i think i will just have to use it, i did originally cancel the direct debt but because i still had my contract one set up (last payment last month) i supose they used that to get it anyway they are all cancelled now :T and £10 less going into savings

If you originally cancelled your direct debit the guarantee should cover you. Get on to your bank and ask for it back. I refer you to the relevant part of the guarantee

"If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid.

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment."

postingalwaysposting

leon, its not the best mobile company in the world so i dont want the hassle really, at least i can use the £10 its not like its gone into 'the company' but saying that it takes 3-4 days to be put on :rolleyes: knowing my luck they wont pay out :rotfl:

postingalwaysposting

Optimist wrote:

If you originally cancelled your direct debit the guarantee should cover you. Get on to your bank and ask for it back. I refer you to the relevant part of the guarantee

"If an error is made by the organisation or your bank or building society, you are guaranteed a full and immediate refund from your branch of the amount paid.

If any payment is made in error, you should contact your bank or building society who are responsible for giving you a full and immediate refund - even if the original error was made by the organisation collecting the payment."

yes but optimist, they took it using my contract d/d that was still active, i think there is now way around it, just my silly fault again :rotfl:

Optimist

You say you canceled the DD therefore it should have been refused by the bank Get on to the bank. If you dont ask you dont get!

PeachPickle

postingalwaysposting wrote:

yes but optimist, they took it using my contract d/d that was still active, i think there is now way around it, just my silly fault again :rotfl:

Doesn't matter Posting, the dd guarantee means if you ring your bank and tell them to get the money back they *have* to do it. No choice. You can do that for any DD, but obviously if it wasn't an error the company will come after you! In this case you should be fine, give them a call