Misinformed by lloyds bank

jalexa

dru_11 wrote: »

Call me stupid but i dont unserstand any of what you mean,

In that case I don't think I can be of further help, except to (again) point you in the direction of the BACS link I provided earlier. Go through the "Guarantee" line by line and determine if the set-up process, including notification, has been fully complied with.

If not, the bank *must* make an immediate refund. You do not need to "prove" anything, you just need to tell the bank there was no notice.

dru_11

jalexa wrote: »

Edit cos just see the OP's latest post - what it was "supposed to be" is irrelevant. Only what the copy mandate says is relevent. No copy mandate, no entitlement to dip into the OP's account - on any date.

so what your saying is as they havent provided me with a date of collection they have no right to take a payment at all and they have to refund me any previous payments if i had of made any?

YorkshireBoy

dru_11 wrote: »

...should they not have confirmed the date as the 15th if they couldnt meet my request of the 5th.

Not if the DDI confirmation said "on or after the 5th" or words to that effect. What did it say?

dru_11

I have no DD confirmation just a credit agreement to say the amount i owe, the amount i have to pay and the terms of my agreement, and as i said the box that is supposed to have the date in is blank and i have recieved no letter of any type to say a confirmed direct debit date just this 1 and only credit agreement, it doesnt even contain a copy of a dd garuantee scheme that shouldnormally come with something set up on a DD. i litteraly was asked by the tool salesperson that my date would be the 5th so as far as i new that was that.
thanks for all your help