Direct debit taken out even though cancelled 7 days earlier

Anubis_2

Hi,

I hope someone can help. I cancelled a direct debit online seven days before it was due to come out the bank. I have done this before without issue.

Just checked my account and the money has come out :eek:

Its a substantial amout and will leave me without money for ten days.

What can I do about this? I believe I may be covered under the DD guarantee. If the bank do refund, do they then claim it back from the company?

Are the bank obliged to refund?

Although the payment has been taken, it shows on my statement, it doesn't show under my DD list because I canceled it

ETA: the reason I use online banking is because I am bedbound, so it is easier for me. Does it make a difference if I canceled online as opposed to visiting the bank?

opinions4u

Ask the bank to refund it under the direct debit guarantee.

Anubis_2

I have just rung them and they are refunding. Will they then claim back off the company?

opinions4u

Anubis wrote: »

I have just rung them and they are refunding. Will they then claim back off the company?

Too right they will!

dzug1

And the company if it's a valid debt will claim off you. They may try even if it isn't.

thenudeone

I had this problem once and was advised that it would automatically be reversed without anyone doing anything (which it was). But why it appeared in the first place is beyond me. What If I needed cash and a cancelled DD mean I couldn't get any??

Anubis_2

opinions4u wrote: »

Too right they will!

That's fine, wasn't sure hoe it all worked since never having been in this position, I was hoping they would claim back then I wouldn't need to get involved at all if you see what I mean.

dzug1

Anubis wrote: »

That's fine, wasn't sure hoe it all worked since never having been in this position, I was hoping they would claim back then I wouldn't need to get involved at all if you see what I mean.

You won't need to get involved from the bank end - they will just claim it back.

But you are unlikely to get away without getting involved at the company end.

You either owe them the money - in which case you will need to pay them some other way - or you don't, in which case you will need to resolve the error or whatever dispute you have with them.

Unless it was a simple error (which they have realised) you can't just expect to do nothing.

pqrdef

dzug1 wrote: »

You either owe them the money - in which case you will need to pay them some other way - or you don't, in which case you will need to resolve the error or whatever dispute you have with them.

Charities also take DDs, but they don't think they're owed. I can never say no when they phone, so I have to go through the list of mandates periodically and cancel some. Usually the bank tells them I've cancelled the mandate (some banks do this, some don't) and that's that.


But I'm very puzzled as to how a DD can succeed 7 days after the mandate's been cancelled online. Computers don't make that sort of mistake.

dunstonh

They dont need to claim it back. If the transaction is going through today then the payment will be recalled. Indeed, it may have already been recalled as part of their normal checks but hadnt yet updated on the balance (many transactions still get processed over night).

pmduk

What happens is that the co will attempt to take the money, as another poster has already mentioned the bank will often reverse it over the course of the day. It's happened more than once to me with rbs.