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Bank allowed cancelled dd go through??

uolypool · 2011-01-31 23:32:56

Evening, I cancelled 2 direct debits for the same company recently, Also contacted the company to inform them that I had done so.Last night I looked on my online banking and they have been presented to my account and deducted from my balance.I phoned the bank and they told me that they cannot prevent the company requesting…

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dunstonh Posts: 119,624 Forumite

2 February 2011 at 4:53PM

BG still tried to take and RBS (my bank) charged me an unpaid item fee which I am going to get back from BG.

That is the incorrect proceedure and your bank is in the wrong. If a direct debit is cancelled the bank should return the payment as mandate cancelled and not charge. If they returned payment and charged then the bank has made an error and should refund the charge. Its only if you didnt cancel the mandate at the bank that the bank can get away with doing that.

I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.

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