Direct Debit due Monday taken Saturday

Debt_Robot

roy_harper wrote: »

I'm amazed and angry at NatWest's policy.

I looked at mini-statement today 18/06/2011 and found a D/D dated 20/06/2011 for £50 ish just gone from my account to pay the D/D due on Monday.

They have just deprived me of £50.

The 'chat' advisor flagged up some details about them making a decision that this money should be there to pay my D/D on Monday.

Errrm isn't that up to me? Apparently not.

Natwest do this a lot. I have sadly experienced the same thing you have. I don't think there is anything we can do about it.

roy_harper

Thank you for the helpful replies.

The actual date of D/D I signed up for was 21st - the Tuesday, but I accept that it is sometimes a day earlier from looking at mini-statements.
This is the first time it has been taken so far in advance.

When they say take the money 'on or around the date' it makes it very difficult for folk like me who only get Income Support and have no savings.

I don't think I'm alone in being so poor, and I'm not whinging for the sake of it - I am genuinely shocked. Why can't they take the D/D on the day or the day before, rather than actively cause hardship

izools

roy_harper wrote: »

Thank you for the helpful replies.

The actual date of D/D I signed up for was 21st - the Tuesday, but I accept that it is sometimes a day earlier from looking at mini-statements.
This is the first time it has been taken so far in advance.

When they say take the money 'on or around the date' it makes it very difficult for folk like me who only get Income Support and have no savings.

I don't think I'm alone in being so poor, and I'm not whinging for the sake of it - I am genuinely shocked. Why can't they take the D/D on the day or the day before, rather than actively cause hardship

But Roy, the overriding factor here is that if the DD showed as debited on the Tuesday, and you spend this money that you were "deprived of" over the weekend - where would the funds be to pay the DD?

If you had sufficient funds to pay the DD and buy "food" you mentioned in an earlier post, then you weren't deprived.

If, however, you were deprived of money for food, then you didn't have enough in the bank to cover the DD anyway and the fault is yours for authorising a direct debit that you couldn't afford or not budgeting effectively enough.

dtsazza

pmduk wrote: »

You forget that some people don't read terms and conditions on principle.

On which principle? The principle of "not knowing what conditions you've agreed to be bound by"?

Sounds like a recipe for success... :cool:

roy_harper

izools wrote: »

But Roy, the overriding factor here is that if the DD showed as debited on the Tuesday, and you spend this money that you were "deprived of" over the weekend - where would the funds be to pay the DD?

If you had sufficient funds to pay the DD and buy "food" you mentioned in an earlier post, then you weren't deprived.

If, however, you were deprived of money for food, then you didn't have enough in the bank to cover the DD anyway and the fault is yours for authorising a direct debit that you couldn't afford or not budgeting effectively enough.

I would have the money there because the Government pay me income support on the same day each week - it seems to be achievable for them, why not for banks and companies?

I